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 117 in Illinois · median 4.89% APR
- 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 and Newer. With Auto Buying Service (includes 0.50% APR discount for purchasing at a certified dealer through CCU's Car Buying Service). Assumes automatic payment method. Lowest advertised rate; actual rate based on creditworthiness and other factors.
Auto loan score 84 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
2024-2027 Models. As low as APR. Rate based on creditworthiness and term. Car loans cannot exceed 10 year term.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
New Cars; 20% Down Payment.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - Staley Credit UnionNew & Used Autos (Model Years 2025 and newer) · up to 60 months
Credit union · 3 branches
4.50%APRas low asTerms
5 Year term; Model Years 2025 and newer; Best Rate for 100% financing.
Auto loan score 87 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Auto loan score 86 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
2025 & 2026 vehicles. LTV up to 100%. Rate may vary based on credit score, repayment options, and $1,000.00 in Savings Account. Credit Union uses NADA.com for LTV.
Auto loan score 83
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
As low as
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
Lowest standard rate based on credit score and creditworthiness.
Auto loan score 89 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires a minimum loan amount of $15,000. As low as APR reflects a one-time $59 loan processing fee for funded loans, LTV \u2264 80% for secured collateral, credit score \u2265 725, active checking account or minimum deposit relationship of $10,000, and direct deposit or auto pay from a Verve account. APR based on a $20,000 loan.
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Model year 2024 - Newer.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Model Year 2023-2024. Standard Term. Annual percentage rates will vary depending on credit score. Add .50% APR for loan terms greater than the standard term. Maximum term is 72 months (90% LTV for all loans over standard term).
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as · up to 8.99%
4.74% APR, up to 8.99%
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay. Other rates and terms available based on creditworthiness. For used cars, the age of the vehicle may limit maximum loan term.
Auto loan score 84 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as 4.74% for 2024-2026 vehicles. Includes automatic payment rate discount. Rate based on approved credit.
Auto loan score 84 · Carrot Score 83
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 Illinois
117 banks and credit unions · checked Nov 6–7
- Typical
- 4.89%
- Top 10% up to
- 4.00%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- Acme Continental Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches