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 61–75 of 134 in Illinois · median 4.90% APR
- DuTrac Community Credit UnionNew or Used Cars & Trucks - 2024 & Newer · up to 66 months
Credit union · 1 branch
4.80%APRas low asTerms
66 payments at $17.27 per $1,000 borrowed.
Auto loan score 86 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.85%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2026 & Newer; 66 months; advertised rate based off top tier credit qualifications, platinum checking and automatic payment discounts, 100.00% LTV or less.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - IH Mississippi Valley Credit Union2024 or Newer Auto Loan · up to 60 months
Credit union · 8 branches
4.89%APRas low asTerms
Rates based on A+ credit rating, subject to credit approval. LTV 120% or lower of the JD Power Retail Value.
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - Taylorville Community Credit UnionNew and Used Vehicle Loans · up to 60 months
Credit union · 4 branches
4.89%APRas low asTerms
2024-New vehicles.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Earthmover Credit UnionNew Vehicles- 2026 & 2025 model years less than 10000 miles Includes auto, truck, recreation vehicles, motorcycles (less than 1,000 miles) · 49–60 months
Credit union · 6 branches
4.89%APRas low as · up to 14.29%4.89% APR, up to 14.29%
Auto loan score 81 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 & Newer; includes automatic payment option
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 81 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Untitled
Auto loan score 80 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 14.99%
4.99% APR, up to 14.99%
Terms
Rates based on primary applicant's personal credit score. Loan amount has no minimum, $85,000 maximum. 2019 or older add 2% to rate.
Auto loan score 83 · Carrot Score 81
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 - Catholic & Community CUAuto & Truck Loans (2027–2024 Model Years) · 37–69 months
Credit union · 3 branches
4.99%APRas low as · up to 10.24%4.99% APR, up to 10.24%
Terms
APR is 4.99% for 720+ FICO, 5.49% for 719–680, 7.25% for 679–650, and 10.24% for 649–640.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR. Available on models 7 years or newer. Rate determined by credit history.
Auto loan score 83 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 21.99%
4.99% APR, up to 21.99%
Terms
Rates as of October 2026. Rate may vary based on individual creditworthiness. Minimum payment - $50.00. Minimum term - 60 months. Subject to credit approval.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2019-2027. Rate as low as.
Auto loan score 83 · Carrot Score 90
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