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 94 in Indiana · median 5.00% APR
- 3.75%APRas low as
Terms
2023 - Newer vehicles; Tier A (Credit score 700+)
Auto loan score 98
Rate checked · Auto loans rates on its site
More details - 3.85%APRas low as
Terms
New vehicle loan.
Auto loan score 97 · Carrot Score 98
Rate checked · Auto loans rates on its site
More details - Whiting Refinery Federal Credit UnionAutomobile / Vehicle Loans · 48–84 months
Credit union · 1 branch
3.99%APRas low as · up to 9.74%3.99% APR, up to 9.74%
Terms
New & Used 2027-2025 Vehicles. Terms of 72 and 84 Months require a minimum loan of $20,000. Up to 100% financing on new model year of purchase price plus dealer costs, or 100% KBB value on used.
Auto loan score 92 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low as
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Special rate for A+ tier. Model years 2025-2026. Minimum loan amount $10,000.
Auto loan score 93 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to new, never-titled vehicles. Reflects 1 point APR reduction with Direct Deposit into PFCU Premier Checking. Prime rate; individual rates may vary based on credit score.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR as low as with 10,000 Loyalty Points redeemed for a 0.50% rate reduction at time of application. Based on creditworthiness. Schedule-wide APR ranges from 3.49% to 18.00%. For vehicles up to 10 model years old. Minimum amount financed requirements apply to terms exceeding 60 months.
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - Summit Choice Credit UnionAuto Loans - Cars, Trucks, Street Motorcycles (New and Used) · up to 60 months
Credit union · 6 branches
4.39%APRas low asTerms
Promotional rate valid October 1 – October 31, 2026 on 2024 model year and newer for up to 60 months. Advertised APR is 'as low as' based on borrower qualifications and credit approval. One-time product maintenance fee of $99.00 applies. First payment deferred up to 90 days available for qualified borrowers; interest starts at disbursement. Longer terms available.
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year: New Auto 2025 & Newer. Rates shown include a 0.25% Relationship Discount for qualified borrowers.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.45%APRas low as
Terms
Rate listed as APR; fixed rate. Preferred Rate Program offers 0.25% rate discount per qualifying active service.
Auto loan score 88 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Model Years: 2023 - NEW. Minimum $10,000.
Auto loan score 90 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Rates As Low As 4.49% APR* with an Auto Loan; No Payments for 90 Days*
Auto loan score 90
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Model Year 2027-2022. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.39 per $1,000 borrowed.
Auto loan score 90 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - Indiana Members Credit UnionAuto Loans: SUVs, Truck, Minivan, & Car · 36–84 months
Credit union · 33 branches
4.49%APRas low as · up to 6.74%with conditions4.49% APR, up to 6.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit.
Auto loan score 90 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Model year 2025-2021
Auto loan score 90 · Carrot Score 82
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
94 banks and credit unions · checked Oct 23–30
- Typical
- 5.00%
- Top 10% up to
- 4.46%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
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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