Compare Bank & Credit Union Rates
Best auto loan rates in Indiana
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 111 in Indiana · median 5.25% APR
- 3.75%APRas low as
Terms
2023 - Newer vehicles; Tier A (Credit score 700+)
Auto loan score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.85%APRas low as
Terms
New vehicle loan.
Auto loan score 96 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - Whiting Refinery Federal Credit UnionAutomobile / Vehicle Loans · 48–84 months
Credit union · 1 branch
3.99%APRas low as · up to 9.74%3.99% APR, up to 9.74%
Terms
New & Used 2027-2025 Vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000. Up to 100% financing on new model year of purchase price plus dealer costs, or 100% KBB value on used.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.19%APRas low as
Terms
Model year 2023 and Newer
Auto loan score 93 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000.
Auto loan score 92 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Model Years: 2023 - NEW. Minimum $5,000.
Auto loan score 92 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new, never-titled vehicles. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction.
Auto loan score 89 · Carrot Score 78
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 - Summit Choice Credit UnionAuto Loans - Cars, Trucks, Street Motorcycles (New and Used) · up to 60 months
Credit union · 6 branches
4.39%APRas low asTerms
Promotional rate valid October 1 – October 31, 2026 on 2024 model year and newer for up to 60 months. Subject to credit approval. First payment deferred up to 90 days for qualified borrowers; interest starts at loan disbursement. A one-time product maintenance fee of $99.00 applies.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as · up to 15.49%
4.39% APR, up to 15.49%
Terms
New Collateral
Auto loan score 89 · Carrot Score 77
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 - 4.45%APRas low as
Terms
Rate listed as APR; fixed rate. Preferred Rate Program offers 0.25% rate discount per qualifying active service.
Auto loan score 91 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates As Low As 4.49% APR* with an Auto Loan; No Payments for 90 Days*
Auto loan score 89
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 Indiana
111 banks and credit unions · checked Oct 15–22
- Typical
- 5.25%
- Top 10% up to
- 4.39%
- Banks, typical
- 6.47%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Indiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- CommunityWide Federal Credit UnionCredit union · 11 branches
- Haynes Community FCUCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch