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2026 - Auto Loans 60 Days To Payment - trade desk

Unparalleled Auto Loan Offers:

 

Limited-Time Offer 

  • Enjoy 60 Days of Freedom: Request to delay your new auto loan payments for 60 days.**

Always-Available Offer

  • Competitive Rates for All: Whether it's a sleek new model or a trusty used vehicle, benefit from the same attractive rates.
  • Up to 120% Financing: Cover the full purchase price, plus sales tax and warranty, ensuring you get everything you need without stress.
  • No Hidden Fees: Enjoy a transparent process with no application fees or title transfer costs.
  • Flexible Repayment Plans: Choose from weekly, biweekly, or monthly payments to fit your budget perfectly.
  • Quick and Easy Application: Ready to take the next step? Apply now and check our auto loan rates instantly.

Resources

Table data for New and Used Car Loan Rates
 Rates effective 08-30-2026
Annual Percentage Rates (APR) as low as:1 Payment per $1,0002 Alert Me
2024-2026 Vehicles
Up to 66 Months		 3.99% $16.96 Receive a notification when this rate changes
2024-2026 Vehicles
Up to 78 Months		 4.49% $14.87 Receive a notification when this rate changes
2024-2026 Vehicles
Up To 84 Months		 5.19% $14.29 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 66 Months		 4.39% $17.15 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 78 Months		 4.89% $15.06 Receive a notification when this rate changes
2020-2023 Vehicles
Up To 84 Months		 5.59% $14.49 Receive a notification when this rate changes
2019 and Older
Up To 66 Months		 5.09% $17.48 Receive a notification when this rate changes
2019 and Older
Up To 78 Months		 5.59% $15.40 Receive a notification when this rate changes
2019 and Older
Up To 84 Months		 6.59% $14.98 Receive a notification when this rate changes
Apply now Receive a notification when this rate changes
Bi-weekly payment options are available. Maximum loan-to-value (LTV) for vehicle loans is up to 120% for qualified borrowers. To qualify for the lowest advertised APR, borrowers must have a credit score of 700 or greater and meet all applicable discount and underwriting requirements. Loans are subject to credit approval.

Rates shown represent the lowest available APRs for each vehicle model year and term and assume qualification for all available rate discounts. Available discounts include: • 0.25% APR discount for qualifying Hybrid or Electric Vehicles • 0.25% APR discount for eligible Active Military members or First Responders • Up to 1.00% APR discount based on loan-to-value (LTV) For example, the advertised 3.99% APR for a 2024-2026 vehicle financed for up to 66 months assumes a base APR of 5.49% and qualification for all available discounts.

Active Military discount is available to current active-duty members of the United States Armed Forces, including the Army, Navy, Air Force, Marine Corps, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps, and U.S. Public Health Service Commissioned Corps. First Responders include paid or volunteer firefighters, law enforcement officers (including sheriffs and deputies), correctional officers, state troopers, federal law enforcement officers, campus police officers, emergency medical technicians (EMTs), paramedics, and 911 dispatchers.

Rates shown are the lowest available rates currently offered. Not all applicants will qualify for the lowest advertised rates, terms, or discounts. Discount eligibility is subject to verification and underwriting requirements. Rates, terms, discounts, and programs are subject to change or discontinuation at any time without notice.
  • 1APR = Annual Percentage Rate. Rates available to individual borrowers may vary based on creditworthiness, vehicle model year, term, loan amount, collateral value, loan-to-value ratio, and other underwriting criteria. ↵
  • 2Payment examples shown are estimated monthly payments per $1,000 borrowed and are based on the maximum available term for the applicable vehicle category. Actual payment amounts will vary based on APR, loan amount, repayment term, and individual loan qualifications. ↵

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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

First Responders & Active Duty Discounts

Your service to our country and community means so much to us. For your dedication and patriotism, we extend the following discounts to you.

  • 0.25% rate reduction on personal automobile loans
  • $500.00 closing cost discount when closing a first mortgage loan 

First Responders would be defined as follows:
Paid or volunteer Firefighters, Police Officers (including Sheriffs and Sheriff's Deputies, Correctional Officers, State Troopers, Federal Law Enforcement Officers and Campus Police), EMTs, Paramedics and 911 Dispatchers

Current active duty members in the United States Uniformed Services (Army, Navy, Air Force, Marines, Space Force, Coast Guard, National Guard, NOAA Commissioned Corps and Public Health Service Commissioned Corps)

More Peace of Mind

When the road turns rough, car insurance and loan protection can help you get back to a smooth ride. Accidents happen, cars break down and if you get hurt or sick and can't work, the last thing you may think about is your loan payment.

  • Payment protection
    If you get hurt or sick and can’t work, you might not be able to make your car payment. Debt protection makes sure you don’t have to worry. Debt protection can cover your payment if you’re out of work for an extended period of time.
  • Mechanical Breakdown Protection
    Like an extended warranty, MBP can enhance or even replace the manufacturer’s warranty and cover breakdowns and repairs, so you don't have to stretch your budget when your car is in the shop.
  • GAP Coverage
    If your car is totaled in an accident, your insurance may not cover the entire balance of your loan, especially if your car is new. GAP coverage can cover whatever is left after your insurance company cuts their check.

Not ready to apply?

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Complete the form below and a member of the team will contact you and evaluate your existing loan with no obligation.

Complete the form below and a member of the team will contact you and evaluate your existing loan with no obligation.






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*Rate as low as 3.99% APR is based on a 66-month term for a 2024-2026 model year vehicle and assumes a base APR of 5.49% along with qualification for all available rate discounts, including a 0.25% APR Hybrid/Electric Vehicle discount, a 0.25% APR Active Military or First Responder discount, and up to a 1.00% APR loan-to-value (LTV) discount. To qualify for the lowest advertised APR and the 60-day deferred payment feature, borrowers must have a credit score of 700 or greater and meet all applicable underwriting and discount eligibility requirements. Not all applicants will qualify for the lowest advertised rate, deferred payment feature, or discounts. Loans are subject to credit approval. Rates, terms, discounts, and programs are subject to change or discontinuation at any time without notice.

**No payments for up to 60 days is available on eligible new and used auto loans. Interest accrues from the date the loan is funded. The first payment after the deferred payment period will first be applied to accrued interest and then to principal. The 60-day deferred payment feature may be modified, suspended, or discontinued at any time without notice.

1APR = Annual Percentage Rate. Rates available to individual borrowers may vary based on creditworthiness, vehicle model year, term, loan amount, collateral value, loan-to-value ratio, and other underwriting criteria.