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 16–30 of 111 in Indiana · median 5.25% APR
- 4.49%APRas low as
Terms
Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.30 per $1,000 borrowed.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Indiana Members Credit UnionAuto Loans: SUVs, Truck, Minivan, & Car · 36–84 months
Credit union · 33 branches
4.49%APRas low as · up to 6.74%with conditions4.49% APR, up to 6.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model year 2025-2021
Auto loan score 89 · Carrot Score 94
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 - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. Applicable to model year 2017-2027 vehicles.
Auto loan score 87 · Carrot Score 80
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 - 4.50%APRas low as
Terms
Model Year: 2025-2026. As low as rate. Subject to credit approval and minimum credit score.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
For 2027 – 2026 Autos.
Auto loan score 87 · Carrot Score 86
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 · 2 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 - 4.65%APRas low as
Terms
Model Year: 2026-2024. Payment Example: $18.72 per $1,000 Borrowed.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as
Terms
Model year 2026. Rate as low as 4.65% APR based on creditworthiness. Does not apply to refinance of existing HHCU auto loans. $195 origination fee applies.
Auto loan score 88 · Carrot Score 87
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 - 4.69%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2023 & Newer. Rate listed reflects 730+ FICO 8 credit score and includes all eligible discounts.
Auto loan score 86 · Carrot Score 85
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