Best auto loans · Reviewed 2026-07-22
Best Used-Car Loans
Options for eligible used-vehicle purchases across banks, credit unions, and online channels.
Eligibility for this list
The official source must explicitly support used-car purchase financing. Vehicle, dealer, membership, and credit restrictions remain applicable.
Read the complete scoring methodology01
new purchase · used purchase · refinance
Navy Federal Credit Union
Member-only auto financing with detailed published rate tables and long-term options.
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4.4
out of 5.0
02
new purchase · used purchase · refinance
PenFed Credit Union
Credit-union purchase and refinance loans with public rate and amount information.
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4.5
out of 5.0
03
new purchase · used purchase · refinance
Consumers Credit Union
Member credit union offering purchase and refinance financing with public term pricing.
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4.4
out of 5.0
04
new purchase · used purchase
Bank of America
Direct dealer-purchase financing with published sample rates that vary by location.
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3.9
out of 5.0
05
new purchase · used purchase · refinance
Digital Federal Credit Union
Member credit union with purchase and refinance loans and an electric-vehicle discount.
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4.1
out of 5.0
06
new purchase · used purchase
Capital One Auto Finance
Dealer-network financing with prequalification; vehicle and dealer restrictions apply.
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3.8
out of 5.0