Compare Bank & Credit Union Rates
Best auto loan rates in Council Bluffs, IA
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 1–6 of 6 in Council Bluffs, IA · median 5.22% APR
- 3.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.10%APRas low as
Terms
Rates as low as 4.10% APR for new, used, or refinanced auto loans. APR is based on creditworthiness and may vary. Example: $10,000 auto loan for 36 months at 4.10% APR has a monthly payment of $295.71. Extended terms require minimum loan amounts.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: 2025 - 2024. Member Loyalty Loan Rate Discount includes a 0.50% APR discount for members with active direct deposit totaling $500+ per month to a Cobalt checking account, at least one loan/HELOC/mortgage/credit card open at application, and accounts in good standing.
Auto loan score 73 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
Model years 2026-2021; new autos minimum loan amount of $25,000.00 for 7 year financing
Auto loan score 75 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as · up to 10.74%with conditions
6.74% APR, up to 10.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are determined by individual credit profile. Rates assume automatic payments from a U.P. Connection checking or savings account.
Auto loan score 62 · Carrot Score 62
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 Council Bluffs, IA
6 banks and credit unions · checked Oct 16–22
- Typical
- 5.22%
- Top 10% up to
- 4.04%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Omaha, NE-IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornhusker BankBank · 1 branch
- PenFed Credit UnionCredit union · 3 branches
- Metro Credit UnionCredit union · 5 branches