Bank · FDIC insured
Hills Bank Auto Loan Rates
Hills Bank auto loans start at 6.75% APR for a new vehicle and 6.75% for a used one. Rates checked October 16, 2026.
How Hills Bank’s auto loan rates compare
Compared with banks and credit unions near Iowa City, IA, where Hills Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Hills Bank
6.75%APR
- Terms
- up to 72 months
Auto Loans
Lowest rate
Collins Community Credit Union
4.14%APR
- Terms
- up to 60 months
2nd-lowest rate
Dupaco Community Credit Union
5.39%APR
- Terms
- up to 60 months
Hills Bank auto loan score
62
Auto loan score
Higher than 7% of U.S. banks and credit unions
- New vehicleNew6.75%
- Used vehicleUsed6.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Hills 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 Loans
No prepayment penalties. Automatic payments available. Advertised as low as APRs assume excellent borrower credit history (Beacon Score of 740 or above), and is generally dependent upon LTV and term.
| Terms | APR | Conditions |
|---|---|---|
| up to 72 months | 6.75% | Model Year 2025-Newer. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term. |
| up to 60 months | 7.25% | Model Years 2024-2021. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term. |
| up to 48 months | 7.75% | Model Years 2020-2018. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term. |
| up to 36 months | 9.50% | Model Years 2017-2006. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term. |
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.