Compare Bank & Credit Union Rates
Best auto loan rates in Niles, 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 1–15 of 43 in Cook County, IL · median 4.99% APR
- 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 - 3.25%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 - Great Lakes Credit UnionNew & Previous Model Year Auto Loan (2025 & 2026) · up to 63 months
Credit union · 7 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 - 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 - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rates as low as 4.25% for 60 months; rates vary by FICO credit score.
Auto loan score 92 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 85 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.44%APRas low as
Terms
Applies to New Vehicles only. Rates quoted assume excellent borrower credit history and may be higher depending on individual credit rating.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rate as low as 4.49% APR. Actual rate based on credit worthiness and age of vehicle. Example: $20,000 loan for 36 months at 4.49% APR has a monthly payment of $618.90 fully protected.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 13.00%
4.50% APR, up to 13.00%
Terms
Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 4.50%), 700-759 (A, 5.00%), 660-699 (B, 6.25%), 600-659 (C, 7.50%), 0-599 (D, 13.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan.
Auto loan score 89 · Carrot Score 76
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 Cook County, IL
43 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.12%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
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Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches