Used Car Loan Rates for a 2021 Honda Odyssey
Used car loan rates start at 4.34% APR in February 2026 for a 2021 Honda Odyssey. Top lenders offer this rate to buyers with excellent credit. Rates climb to 11.75% or more. Your credit score, loan term, and lender set your exact rate.
A 2021 Honda Odyssey ranks as a reliable used minivan in 2026. Lenders favor its strong resale value. You qualify for competitive rates. Expect 0.5% to 2% higher APR than for 2024 to 2026 models because of the age.
Rates by Lender
Credit unions beat banks on rates for used cars. Top picks for your 2021 Honda Odyssey near 19301, PA:
| Lender | Starting APR | Notes |
|---|---|---|
| PenFed | 4.34% | Use their car-buying service |
| PenFed | 4.79% | Without the service |
| Navy Federal | 4.79% | 12-36 month terms |
| Navy Federal | 5.39% | 61-72 month terms |
| Members 1st FCU | 5.29%-7.94% | Up to 60 months; higher for 2021 models |
PenFed leads for buyers with strong credit. Navy Federal suits military members. Local options like Members 1st FCU hold strong in PA.
Rates by Credit Score
Your credit score drives your rate. Average APRs for used cars like the Odyssey:
| Credit Range | Average APR |
|---|---|
| Excellent (800+) | 8.93% |
| Very Good (740-799) | 8.33% |
| Good (670-739) | 11.75% |
Lenders also review your debt, income, loan size, and vehicle details. A clean record and steady job lower your rate.
Factors That Affect Your Rate
These items shape your APR on a 2021 Honda Odyssey:
- Credit score: Scores over 740 unlock the best rates.
- Loan term: Short terms (12-36 months) start at 4.79%. Longer terms add cost.
- Vehicle age: 2021 models raise rates 0.5% to 2% over newer used cars.
- Location: PA credit unions near 19301 compete with low rates.
Most 60-month used car loans average 7.01% APR. Rates shift weekly. Shop now for February deals.
Tips to Get the Best Rate
Follow these steps for the lowest rates on your Odyssey:
- Pull your credit report. Fix errors to raise your score.
- Get preapprovals from three lenders. Know your rate before you hit the dealer.
- Choose credit unions. They beat banks by up to 1%.
- Pick short loan terms. Higher payments save thousands in interest.
- Shop Tuesday to Thursday. Avoid weekend dealer markups.
Preapprovals last 60 to 90 days. Lock in rates today.
Sidekick tracks loan payments and total costs for your 2021 Honda Odyssey. Enter your rate to view monthly bills and savings.