Credit union · NCUA insured
Financial Plus Credit Union Auto Loan Rates
Financial Plus Credit Union auto loans start at 4.99% APR for a new vehicle and 5.99% for a used one. Rates checked October 16, 2026.
How Financial Plus Credit Union’s auto loan rates compare
Compared with banks and credit unions near Ottawa, IL, where Financial Plus Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Financial Plus Credit Union
4.99%APR
- Terms
- up to 60 months
- Up to
- 11.25% APR
- Discount
- None included
2026 & Newer Model Year Vehicle Loans
Lowest rate
Illinois State Credit Union
4.24%APR
- Terms
- up to 66 months
- Up to
- —
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
Financial Plus Credit Union auto loan score
78
Auto loan score
Higher than 47% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed5.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Financial Plus Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
2022 & Older Model Year Vehicle Loans
Finance up to the total sales price for qualified borrowers with terms available up to 72 months. No restrictions as to the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.99%–13.25% | Tier 1 (700+): 6.99% APR; Tier 2 (699-660): 7.99% APR; Tier 3 (659-620): 10.99% APR; Tier 4 (619-590): 12.25% APR; Tier 5 (589 & <): 13.25% APR |
| up to 72 months | 7.99%–14.25% | Tier 1 (700+): 7.99% APR; Tier 2 (699-660): 8.88% APR; Tier 3 (659-620): 11.88% APR; Tier 4 (619-590): 13.25% APR; Tier 5 (589 & <): 14.25% APR |
Sources (1)
- financialplus.org/loans/loans/vehicle-loans · captured Oct 16, 2026
2023 - 2025 Model Year Vehicle Loans
Finance up to the total sales price for qualified borrowers with terms available up to 72 months. No restrictions as to the age of the vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99%–12.25% | Tier 1 (700+): 5.99% APR; Tier 2 (699-660): 6.99% APR; Tier 3 (659-620): 9.99% APR; Tier 4 (619-590): 11.25% APR; Tier 5 (589 & <): 12.25% APR |
| up to 72 months | 6.99%–13.25% | Tier 1 (700+): 6.99% APR; Tier 2 (699-660): 7.99% APR; Tier 3 (659-620): 10.25% APR; Tier 4 (619-590): 12.25% APR; Tier 5 (589 & <): 13.25% APR |
Sources (1)
- financialplus.org/loans/loans/vehicle-loans · captured Oct 16, 2026
2026 & Newer Model Year Vehicle Loans
Finance up to 100% of purchase price for qualified borrowers. Terms available for up to 72 months (or up to 84 months per rate schedule).
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 4.99%–11.25% | Tier 1 (700+): 4.99% APR; Tier 2 (699-660): 5.99% APR; Tier 3 (659-620): 7.99% APR; Tier 4 (619-590): 10.25% APR; Tier 5 (589 & <): 11.25% APR |
| up to 72 months | 5.99%–12.25% | Tier 1 (700+): 5.99% APR; Tier 2 (699-660): 6.99% APR; Tier 3 (659-620): 9.99% APR; Tier 4 (619-590): 11.25% APR; Tier 5 (589 & <): 12.25% APR |
| up to 84 months | 6.99%–13.25% | Tier 1 (700+): 6.99% APR; Tier 2 (699-660): 7.99% APR; Tier 3 (659-620): 10.99% APR; Tier 4 (619-590): 12.25% APR; Tier 5 (589 & <): 13.25% APR |
Sources (1)
- financialplus.org/loans/loans/vehicle-loans · captured Oct 16, 2026
Who can join Financial Plus Credit Union
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