Compare Bank & Credit Union Rates
Best auto loan rates in Decatur, IL
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 1–9 of 9 in Decatur, IL · median 4.75% APR
- 4.50%APRas low as
Terms
Model years 2022-2025; Up to 60 Months
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Staley Credit UnionNew & Used Autos (Model Years 2025 and newer) · up to 60 months
Credit union · 3 branches
4.50%APRas low asTerms
5 Year term; Model Years 2025 and newer; Best Rate for 100% financing.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Vehicle Year 2025 and newer. Lowest rate available; actual rate reflects individual circumstances.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
As low as rate. Actual rate and term will reflect individual circumstances, loan term, year of collateral, and credit history. Subject to credit check and approval.
Auto loan score 87 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Applicable to 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Financing up to 72 months. Automatic payment from BVNB deposit account required. Actual APR may vary based on other factors. Example: A 60-month $25,000 fixed-rate secured auto loan at 4.49% APR has a monthly payment of $465.98.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 7.74%APRas low as
Terms
Vehicle Years: New 2024-2025
Auto loan score 76 · Carrot Score 95
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 Decatur, IL
9 banks and credit unions · checked Oct 16–22
- Typical
- 4.75%
- Top 10% up to
- 4.50%
- Banks, typical
- 5.32%
- 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.
Decatur, IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- United Equity Credit UnionCredit union · 1 branch
- Decatur Earthmover Credit UnionCredit union · 3 branches