SoFi
SoFi Auto Loan
4.5
APR Range
5.99%–17.99%
Loan Amount
$5k–$100k
Term
24–84 mo
Origination Fee
None
SoFi covers both purchase and refinance with no fees and member benefits like career coaching and financial planning.
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Best Auto Loans of 2026
Get competitive rates on new and used car loans.
Best
PenFed
PenFed Auto Loan
4.4
APR Range
5.99%–17.99%
Loan Amount
$500–$150k
Term
36–84 mo
Origination Fee
None
PenFed offers credit-union-level rates with a very low $500 minimum. Open to anyone who joins the credit union.
LightStream
LightStream Auto Loan
4.6
APR Range
6.49%–20.49%
Loan Amount
$5k–$100k
Term
24–84 mo
Origination Fee
None
LightStream delivers very competitive auto loan rates with same-day funding and zero fees. Best for buyers with strong credit.
US Bank
US Bank Auto Loan
4.3
APR Range
6.74%–22.74%
Loan Amount
$5k–$100k
Term
12–84 mo
Origination Fee
None
US Bank offers the convenience of a major national bank with competitive auto loan rates and in-branch support.