Credit union · NCUA insured
Illiana Financial Auto Loan Rates
Top CarrotIlliana Financial auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 16, 2026.
How Illiana Financial’s auto loan rates compare
Compared with banks and credit unions near Chicago, IL-IN, where Illiana Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Illiana Financial
4.99%APR
- Terms
- up to 60 months
- Discount
- None included
Vehicle Loans
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
Illiana Financial auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Illiana Financial 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.
Vehicle Loans
Same low rate for New and Used cars and motorcycles. Rates and financing are offered based on applicant's credit qualifications and verification of collateral. Repayment terms may be based on loan amount and model year of vehicle.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 3.99% | — |
| up to 36 months | 4.49% | — |
| up to 48 months | 4.74% | — |
| up to 60 months | 4.99% | — |
| up to 66 months | 5.24% | Minimum $18,000.00 loan amount. |
| up to 72 months | 5.49% | Minimum $18,000.00 loan amount. |
| up to 84 months | 6.49% | Minimum $18,000.00 loan amount. |
Sources (1)
- illiana.org/loans/loans · captured Oct 7, 2026
Who can join Illiana Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Any person living, working, or worshipping within specified geographical boundaries (North to Route 176, East to Route 421, South to Route 24, West to Route 47) is eligible for membership.
Membership information collected October 5, 2026.