Compare Bank & Credit Union Rates
Best auto loan rates in Gary, IN
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 22 in Lake County, IN · median 5.44% APR
- 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 - 4.25%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 - 4.39%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 - 4.49%APRas low as
Terms
With A-1 credit and a savings account at U S Federal Credit Union. Minimum $2,500 loan to qualify. Existing loans with U S Federal Credit Union not eligible.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 18.00%
4.50% APR, up to 18.00%
Terms
Loan rates vary due to Risk Based Lending Guidelines.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Rates are based on credit score. Minimum score to qualify is 500; scores below 625 require co-signer.
Auto loan score 85 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate is based on credit/score history. Certain restrictions may apply. $100 loan processing fee. Up to 125% LTV and cash out refi maximum 100% LTV. Auto maximum loan amount = $100,00.00. No early payoff penalty.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For vehicles 2020 & Newer. Includes 0.25% direct deposit/autopay discount and 0.25% eStatements discount. Approximate payment $19.00 per $1,000.
Auto loan score 72 · Carrot Score 77
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 - 5.39%APRas low as
Terms
Model Year: 2025-2026; New Only
Auto loan score 69 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Tech Credit UnionCar - Truck - Harley Davidson Loan Special! · up to 75 months
Credit union · 6 branches
5.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Without auto debit. Applicant must have a 640+ credit score (if joint, at least one applicant must have 640+). 2019-2021 vehicles eligible up to 60 months; newer model years up to 75 months.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.56%APRas low as
Terms
Example based on borrowing $30,000 with a $249 loan processing fee (total loan amount $30,249) on a 5-year loan at an interest rate of 5.24% yielding 5.558% APR. Actual interest rate and APR may vary.
Auto loan score 71 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 months. Diamond Status My Member Perks.
Auto loan score 68 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New only, model years 2025-2027. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
Auto loan score 63 · Carrot Score 81
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 Lake County, IN
22 banks and credit unions · checked Oct 15–22
- Typical
- 5.44%
- Top 10% up to
- 4.40%
- Banks, typical
- 6.34%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
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