Comparing 6 offers. Updated July 22, 2026.
LightStream is the online lending division of Truist Bank offering unsecured personal loans up to $100,000 with some of the lowest APRs in the US market.
Upgrade offers personal loans from $1,000 to $50,000 with flexible terms up to 7 years and accepts joint applicants and co-signers.
Capital One Auto Navigator offers fast online auto loan pre-qualification with no impact on credit and financing for new, used, and refinanced vehicles.
U.S. Bank offers unsecured personal loans up to $50,000 with no origination fees for both existing customers and new applicants in eligible states.
PenFed Credit Union offers competitive personal loans starting at $600 with no origination fee, open membership for all US residents.
Mariner Finance is a regional consumer lender with 480+ branches across 27 states, offering personal loans, secured loans, and auto loans for fair credit borrowers.
Car loans let you finance the purchase of a new or used vehicle. In the US auto loans are available from banks, credit unions, online lenders, and dealerships. The best APRs go to borrowers with credit scores above 720.
Top auto loan sources include Capital One Auto Navigator, LightStream, Bank of America, Chase Auto, and credit unions like Navy Federal and PenFed. Pre-qualification with most online auto lenders does not affect your credit score.
With a car loan you own the vehicle outright once payments are complete. A lease returns the car at the end of the term, usually with mileage limits. Loans are better if you drive a lot or plan to keep the car long-term.
New auto loan APRs in the US start around 6.49% for borrowers with excellent credit. Used auto loans typically run 1 to 2 percentage points higher. Your credit score, term length, and down payment all affect your rate.
Capital One Auto accepts scores starting around 500, but the best APRs go to scores of 720 or higher. Credit unions like Navy Federal and PenFed often beat banks for borrowers with FICO 660 or above. Subprime auto lenders accept scores from 500 but charge 14 to 24 percent APR.
Yes. Pre-approval from a bank or credit union gives you bargaining power and prevents dealers from inflating the rate. Capital One Auto Navigator pre-qualifies you with a soft credit pull and shows you actual offers from 12,000+ participating dealers.
New car loans typically run 1 to 2 percentage points lower than used car loans because the collateral has higher resale value. As of 2026 a new car loan averages 6.5 to 8 percent APR, while a used car loan averages 8 to 11 percent for prime credit.
60 months is the safer maximum. 72 or 84 month loans lower the monthly payment but you are likely to be underwater (owe more than the car is worth) for most of the term. Putting down 10 to 20 percent helps avoid negative equity.