Bank · FDIC insured
ChoiceOne Bank Auto Loan Rates
ChoiceOne Bank auto loans start at 6.26% APR for a new vehicle and 6.26% for a used one. Rates checked October 16, 2026.
How ChoiceOne Bank’s auto loan rates compare
Compared with banks and credit unions near Detroit, MI, where ChoiceOne Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
ChoiceOne Bank
6.26%APR
- Terms
- up to 84 months
- Discount
- None included
Auto Loan
Lowest rate
Chief Financial Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
FreeStar Financial Credit Union
3.99%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
ChoiceOne Bank auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.26%
- Used vehicleUsed6.26%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where ChoiceOne Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan
Includes new or used cars and street legal motorcycles. Rate discount available by having monthly payment automatically deducted from ChoiceOne account. Subject to credit review and approval.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 6.26% | Interest as low as 5.99%. Rate based on automatic withdrawal of payment from ChoiceOne account. APR based on $20,000 loan with 84 monthly payments of $294.63. |
Sources (3)
- choiceone.bank/Personal/Borrow/Loans
- choiceone.bank/Personal/Borrow/Loans/Auto
- choiceone.bank/Personal/Borrow/Resources/Rates
All captured Oct 7, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.