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 46–60 of 76 in Chicago, IL-IN metro · median 4.99% APR
- 5.25%APRas low as · up to 10.50%
5.25% APR, up to 10.50%
Terms
Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates subject to change without notice.
Auto loan score 73 · Carrot Score 71
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 - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applicable to 2026 & '27 models; new purchases only. Includes 0.10% member relationship discount and 0.25% autopay discount.
Auto loan score 80 · Carrot Score 70
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
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
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 - 5.49%APRas low as
Terms
Model year 2025 or newer.
Auto loan score 73 · Carrot Score 74
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 · 10 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 - 5.49%APRas low as
Terms
Applies to NEW: 2025 - 2026 vehicles. Payment per $1,000 borrowed is $19.10. Interest rate will vary depending on credit score, term, and year of auto. Subject to credit and underwriting approval.
Auto loan score 67 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
As low as. Rate determined at application and may be higher.
Auto loan score 68 · Carrot Score 81
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 - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as
Auto loan score 67 · Carrot Score 82
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