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 76–90 of 117 in Illinois · median 4.89% APR
- 4.99%APRas low as
Terms
Model Year 2026 - 2025. Discount available for larger down payments.
Auto loan score 81 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Auto loan score 81 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - DuTrac Community Credit UnionNew or Used Cars & Trucks - 2024 & Newer · up to 66 months
Credit union · 1 branch
4.99%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
66 payments at $17.36 per $1,000 borrowed. Includes .25% discount through EcoPlus Account (requires e-Statements and recurring direct deposit).
Auto loan score 80 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - Financial Plus Credit Union2026 & Newer Model Year Vehicle Loans · up to 60 months
Credit union · 5 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 79 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 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 79 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 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 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Applies to 2019 – 2026 New & Used Vehicles. Rates quoted are lowest available rates. Actual rates are subject to membership eligibility and creditworthiness. Membership discounts or competitor rate match may apply.
Auto loan score 79 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 13.24%
4.99% APR, up to 13.24%
Terms
Model 2026-2024. Up to 115% NADA Retail Value. Add 0.50% if term is >72 months.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Applies to new vehicles only.
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 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 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 14.00%
5.00% APR, up to 14.00%
Terms
Vehicle Year: 2025 & Newer (or 2025 or Newer). Credit tiers: 760+ (A+, 5.00%), 700-759 (A, 5.25%), 660-699 (B, 6.50%), 600-659 (C, 7.75%), 0-599 (D, 14.00%). Save 0.25% with Payroll Deduction or ACH Auto Pay.
Auto loan score 83
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Model Year 2018 – 2025. Terms greater than 63 months require loan amount of $15,000 or greater and mileage under 50,000 miles. A 0.50% rate discount applies if loan amount is less than 80% of MSRP or NADA retail value.
Auto loan score 83 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 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 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Vehicle: 2025* - 100% NADA; Loans over $20,000 may go up to 6 years and loans over $25,000 may go up to 7 Years
Auto loan score 83 · Carrot Score 70
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