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 46–60 of 94 in Indiana · median 5.00% APR
- 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
Includes 2025 with 20,000 miles or less
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 16.75%
5.00% APR, up to 16.75%
Terms
Rates are based upon the year of the vehicle and credit bureau score with TransUnion. Lowest rates reserved for well-qualified members. 72-month financing available on loans over $18,000; 84-month financing available at a higher rate on loans over $30,000 for qualified borrowers.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Maximum term 72 months. Rates posted are base rates and may be higher depending on credit score and term.
Auto loan score 76 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.22%APRas low as
Terms
Model year 2022 – New. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change.
Auto loan score 75 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Rate is based on credit/score history. Certain restrictions may apply. $100 loan processing fee. Up to 125% LTV and cash out refi maximum 100% LTV. Auto maximum loan amount = $100,00.00. No early payoff penalty.
Auto loan score 79 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score.
Auto loan score 74 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Model year 2026 & newer with loan amount $20,000+. Maximum term 72 months.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
APR as low as for credit scores of 800 and above. Qualifies for loyalty discount only.
Auto loan score 72 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For vehicles 2020 & Newer. Includes 0.25% direct deposit/autopay discount and 0.25% eStatements discount. Approximate payment $19.00 per $1,000.
Auto loan score 72 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applies to 2024 - current model year vehicles. Rate includes a 0.10% rate discount for automatic payment from a KEMBA checking account. Actual rate depends on credit score and term of loan.
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as. 76-84 month term available for model years 2025 and newer only.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Auto loan score 76 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Model Year: 2025-2026; New Only
Auto loan score 69 · Carrot Score 78
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?
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