Credit union · NCUA insured
Finans FCU Auto Loan Rates
Finans FCU auto loans start at 4.65% APR for a new vehicle and 5.64% for a used one. Rates checked October 15, 2026.
How Finans FCU’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Finans FCU has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Finans FCU
4.65%APR
- Terms
- 48–66 months
- Discount
- None included
New Vehicles
Lowest rate
Rock Valley Credit Union
3.49%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
PSFCU
3.50%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Finans FCU auto loan score
85
Auto loan score
Higher than 69% of U.S. banks and credit unions
- New vehicleNew4.65%
- Used vehicleUsed5.64%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Finans FCU 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.
New Vehicles
Financed at 100% of purchase price including extended warranties, dealer preparations, and sales tax. Minimum credit score to qualify is 500; credit scores below 625 require a co-signer.
| Terms | APR | Conditions |
|---|---|---|
| 48–66 months | 4.65% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
| 67–72 months | 5.15% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
Used Vehicles 2016 - Older
Financed at 100% of retail value as listed in the N.A.D.A. Book. Requires offer to purchase from dealership. Minimum credit score to qualify is 500; scores below 625 require a co-signer.
| Terms | APR | Conditions |
|---|---|---|
| 48–60 months | 6.68% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
| 66–72 months | 8.24% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
Used Vehicles 2022 - 2017
Financed at 100% of retail value as listed in the N.A.D.A. Book. Requires offer to purchase from dealership. Minimum credit score to qualify is 500; scores below 625 require a co-signer.
| Terms | APR | Conditions |
|---|---|---|
| 48–60 months | 5.64% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
| 66–72 months | 6.39% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
Used Vehicles Non-Purchase
Minimum credit score to qualify is 500; credit scores below 625 require a co-signer.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.65% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
| up to 36 months | 8.55% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
| up to 48 months | 9.75% | Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer. |
Who can join Finans FCU
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.