Your loan terms, including APR, may differ based on loan purpose, amount, term length, and your credit profile. Excellent credit is required to qualify for lowest rates. Rate is quoted with AutoPay discount. AutoPay discount is only available prior to loan funding. Rates without AutoPay are 0.50% points higher. Subject to credit approval. Conditions and limitations apply. Advertised rates and terms are subject to change without notice. Payment example: Monthly payments for a $25,000 loan at 7.49% APR with a term of 3 years would result in 36 monthly payments of $777.54. © 2024 Truist Financial Corporation. Truist, LightStream and the LightStream logo are service marks of Truist Financial Corporation. All other trademarks are the property of their respective owners. Lending services provided by Truist Bank.
Published on:
September 20, 2024
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| Lender | Best for… | Starting APRs | Loan terms | Loan amounts | |
|---|---|---|---|---|---|
 | Short-term loans | 4.50% | 12-84 months | Up to $100,000 | See Personalized Results |
 | Those with military connections | 4.54% | 12-96 months | From $250 | See Personalized Results |
 | Using a car-buying service | 5.44% | 36-84 months | Up to $150,000 | See Personalized Results |
 | Bad-credit auto loans | 5.69% | 24-96 months | $2,500-$100,000 | See Personalized Results |
 | Those who prefer large banks | 6.39% | 48-72 months | From $7,500 | See Personalized Results |
 | Prime and subprime rates | 6.49% | 36-72 months | From $4,000 | See Personalized Results |
 | Private-party auto loans | 6.99% (with autopay) | 12-84 months | $5,000-$100,000 | See Personalized Results |
 | Used car loans | 6.74% | Up to 84 months | Up to $500,000 | See Personalized Results |
 | An online experience | 6.85% | 36-72 months | From $5,000 | See Personalized Results |
 | Unsecured auto loans | 7.24% (with autopay) | 24-84 months | $5,000-$100,000 | See Personalized Results |
 | Dealership purchases | Not disclosed | 12-84 months | From $4,000 | See Personalized Results |
Learn more about how we chose the best auto loans.
| Lender | User ratings | LendingTree rating | Min. credit score (VA loan) | Min. down payment | |
|---|---|---|---|---|---|
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. |  Read review Best overall VA lender | 580 | 0% with full entitlement | |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. | Read review Best for transparency | 620 | 0% with full entitlement | |
 | User reviews coming soon | Read review Best for online experience | Not disclosed | 0% with full entitlement | |
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User Ratings & Reviews
Ratings and reviews are from real consumers who have used the lending partner’s services. |  Read review Best for VA loans with bad credit | 500 | 0% with full entitlement |
Read more about how we chose our list of the best VA lenders below.