Compare Bank & Credit Union Rates
Best auto loan rates in Illinois
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 134 in Illinois · median 4.90% APR
- Bloomington Municipal Credit UnionAutos & Trucks 2025 & Newer · up to 60 months
Credit union · 1 branch
3.29%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is 'low as 3.29%'. Advertised rate includes 0.25% autopay/payroll deduction discount and 0.25% active checking with direct deposit discount.
Auto loan score 98 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.32%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are the lowest available and include a 0.25% discount for LTV < 90%, 0.25% auto-pay discount, and 0.25% checking with direct deposit discount. Model Year 2025-2026 / 2024 & Older.
Auto loan score 99 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
Enjoy no payments for 3 months. Payment per $1,000 at 3.49% on 36 months is $29.30. Your APR may vary based on creditworthiness, loan amount, age of vehicle, and term of loan.
Auto loan score 99 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as
Terms
Rates and terms available to qualified borrowers. Terms up to 84 months. Available for vehicle purchase or refinancing.
Auto loan score 98 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as disclosed applies when automatic payment from the PSFCU Checking Account is selected; rates are 0.25% higher without automatic payment. The rate you receive will be based upon your credit history, collateral, and loan character.
Auto loan score 93 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.74%APRas low as
Terms
Vehicle year: 2023 and Newer. 60 monthly payments of $18.28 per $1,000.00 borrowed. Existing CCNCU loans are excluded from this rate.
Auto loan score 98 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 or newer vehicles. APR as low as. Includes discount for UICCU checking account holders with direct deposit.
Auto loan score 94 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - Landmark Credit UnionAuto Loan (Trucks, Cars, SUVs, Motorcycles) · up to 60 months
Credit union · 3 branches
3.75%APRas low asTerms
NEW (2023-2026)
Auto loan score 93 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 3.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as 3.89% APR. Lowest available rate reflects all available discounts. Actual rate dependent upon member eligibility, creditworthiness and other factors. Rates are subject to change without notice.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.25%APRas low asunusually low · being checked
Terms
Credit score: Tier A (700 and Up). Maximum loan amount: $60,000 and Up.
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Model Year: 2021 & Newer. Sample payment of $19.09 per $1,000 financed.
Auto loan score 94 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Great Lakes Credit UnionNew & Previous Model Year Auto Loan (2025 & 2026) · up to 63 months
Credit union · 19 branches
3.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates include discount of 0.25% APR when you set up an automatic payment to pay your loan each month.
Auto loan score 93
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
New Molex loans only. No down payment required.
Auto loan score 88 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Credit score A 700 and up.
Auto loan score 92 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
2025 & 2026; as low as.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Illinois
134 banks and credit unions · checked Oct 16–22
- Typical
- 4.90%
- Top 10% up to
- 4.00%
- Banks, typical
- 6.16%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch