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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.

Vehicle
Institution
Location

Top new-car loan rates

Showing 61–75 of 117 in Illinois · median 4.89% APR

  1. CPOECUNew Auto Loan · up to 60 months

    Credit union · 3 branches

    4.90%APRas low as
  2. 2 Rivers Area Credit UnionNew Vehicle Rates · up to 84 months

    Credit union · 1 branch

    4.90%APRas low as
  3. Abri Credit UnionNew Auto Loans · 37–60 months

    Credit union · 8 branches

    4.99%APRas low as · up to 14.99%
  4. Top Carrot, Carrot Score 87
    CEFCUCEFCU Standard Vehicle Loan · up to 66 months

    Credit union · 28 branches

    4.99%APRas low as
  5. Catholic & Community CUAuto & Truck Loans (2027–2024 Model Years) · 37–69 months

    Credit union · 3 branches

    4.99%APRas low as · up to 10.24%
  6. Top Carrot, Carrot Score 97
    First Community Credit UnionNew Auto Loans · 48–60 months

    Credit union · 7 branches

    4.99%APRas low as
  7. Top Carrot, Carrot Score 89
    Illiana FinancialVehicle Loans · up to 60 months

    Credit union · 4 branches

    4.99%APRas low as
  8. Joliet Firefighters Credit UnionNew Auto (2025 and newer) · 37–60 months

    Credit union · 1 branch

    4.99%APRas low as
  9. Top Carrot, Carrot Score 87
    Members First Community CUVehicle loans - new or used · 60+ months

    Credit union · 1 branch

    4.99%APRas low as · up to 21.99%
  10. Top Carrot, Carrot Score 89
    Midwest Members Credit UnionNew & Used Auto Loans · up to 66 months

    Credit union · 3 branches

    4.99%APRas low as
  11. Revity Credit UnionAuto Loans · 37–69 months

    Credit union · 8 branches

    4.99%APRas low as
  12. SIU Credit UnionAuto Loan · up to 60 months

    Credit union · 6 branches

    4.99%APRas low as
  13. Top Carrot, Carrot Score 88
    Scott Credit UnionAuto Loans · up to 60 months

    Credit union · 18 branches

    4.99%APRas low as
  14. Streator Onized Credit UnionVehicle Loan · 49–60 months

    Credit union · 6 branches

    4.99%APRas low as · up to 5.99%with conditions
  15. ISPFCUNew Auto: 80% Financing · up to 60 months

    Credit union · 1 branch

    4.99%APRas low aswith conditions

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%

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Illinois

Top Carrot institutions

Ranked across their CDs, savings, auto loans and credit cards. How scores work

  1. Bloomington Municipal Credit UnionCredit union · 1 branch
  2. Acme Continental Credit UnionCredit union · 1 branch
  3. First Community Credit UnionCredit union · 7 branches
See all ranked institutions

Auto loan rates by state