Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 31–45 of 76 in Chicago, IL-IN metro · median 4.99% APR
- 4.90%APRas low as
Auto loan score 81 · Carrot Score 69
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
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model Year 2026 - 2025. Discount available for larger down payments.
Auto loan score 80 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 5.99%
4.99% APR, up to 5.99%
Terms
Model year 2024. Base APR is 5.99%; APR as low as 4.99% with applicable discounts. Maximum LTV 125%.
Auto loan score 79 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Financial Plus Credit Union2026 & Newer Model Year Vehicle Loans · up to 60 months
Credit union · 2 branches
4.99%APRas low as · up to 11.25%4.99% APR, up to 11.25%
Terms
Tier 1 (700+): 4.99% APR; Tier 2 (699-660): 5.99% APR; Tier 3 (659-620): 7.99% APR; Tier 4 (619-590): 10.25% APR; Tier 5 (589 & <): 11.25% APR
Auto loan score 78 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.99%
4.99% APR, up to 18.99%
Terms
Base rates; risk-based pricing where credit score determines rate.
Auto loan score 78 · Carrot Score 88
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 - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Minimum loan amount $10,001 on loans with a term of more than 48 months. Lowest rate available for Tier 1 credit, includes discount for automatic payment from an NGFCU checking or savings account. Monthly payment of $19.00 per $1,000 borrowed.
Auto loan score 71 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 13.50%
5.00% APR, up to 13.50%
Terms
New Vehicles 2026 (2025 less than 10k miles).
Auto loan score 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Partnership Financial Credit Union2026 – 2024 Model Year Vehicle Rates · up to 60 months
Credit union · 7 branches
5.00%APRas low as · up to 15.00%5.00% APR, up to 15.00%
Terms
Combined credit score tiers (725+ to 574 & Below).
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Applies to 2024 & newer models. APR as low as 5.09% based on creditworthiness.
Auto loan score 81 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 84
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 - HealthCare Associates Credit UnionBuyersChoice Auto Loan Program · up to 72 months
Credit union · 4 branches
5.25%APRas low asTerms
Model years 2024–2026.
Auto loan score 77 · 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 Chicago, IL-IN metro
76 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.16%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.99%
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