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 1–15 of 19 in Indiana · median 6.24% APR
- 4.96%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR based on $30K borrowed for 60 months, must be a 2025 or newer with less than 1,000 miles, credit score of 750 and above required. Requires automatic debit for payment from a Napoleon State Bank account. All offers are subject to credit approval.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.18%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto Loan Special. Model year 2024 or newer vehicles, purchase transactions only. Repayment term up to 60 months. APR reflects a 0.25% discount for automatic payments from a First Harrison checking account with existing ACH deposits.
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 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 64
Rate checked · Auto loans rates on its site
More details - First Federal Savings Bank of AngolaAutos, Light Trucks, Boats, RVs, Personal Watercraft, Snowmobiles, Motorcycles, Trailers, and ATVs · up to 60 months
Bank · 1 branch
5.74%APRas low asTerms
2026 - 2024 model years. Loan to value ratio <= 100%.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 14.27%
5.75% APR, up to 14.27%
Terms
Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months.
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.93%APRas low as
Terms
2026-2027 Model Year. Monthly payment of $384.34 based on $20,000 loan for 60 months with credit score 740+.
Auto loan score 68 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR. Based on highest credit tier on a 2025 or newer model year vehicle and includes an optional 0.25% rate reduction for automatic payments from an Old National checking account. Includes a $175 processing fee financed into the loan. Loan terms up to 84 months. Example based on a $20,000 loan financed for 60 months at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.24%APRas low as · up to 8.99%
6.24% APR, up to 8.99%
Terms
Model year 2026/2022; Credit tiers 720 & Higher (6.24%) to 660-699 (8.99%)
Auto loan score 65 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - First Savings Bank of HegewischNew Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) · up to 60 months
Bank · 5 branches
6.45%APRas low asTerms
90% Loan-to-Value. Payment example $195.43 monthly based on a $10,000.00 loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as
Terms
6.49% APR is based on 60-month term, 2022 or newer vehicle, with a minimum credit score of 740. Subject to credit approval; rates subject to change.
Auto loan score 63
Rate checked · Auto loans rates on its site
More details - 6.81%APRas low as
Terms
Vehicle Year: 2025-New
Auto loan score 62 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 6.89%APRas low as
Terms
Model years 2018–2026. APR includes application fee, VSI fee, and electronic title fees, based on a $20,000.00 loan (e.g., $394.96/mo for 60 mos on a 2026 vehicle).
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 7.13%APRas low as
Terms
Vehicle Year: 2023 & Newer. Maximum term 60 Months.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details
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
19 banks and credit unions · checked Oct 23–30
- Typical
- 6.24%
- Top 10% up to
- 5.31%
- Banks, typical
- 6.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Indiana
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Haynes Community FCUCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- Elements FinancialCredit union · 5 branches