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 1–7 of 7 in Ames, IA metro · median 4.99% APR
- 4.49%APRas low as
Terms
Featured promotion: Auto Loan – Spring 2026. Get Preapproved for an Auto Loan.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.52%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 & Newer model years. Reflects 0.75% direct deposit and automatic payment discount.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
For 2024 and newer autos and motorcycles with less than 45,000 miles. Example: 60 monthly payments of $377.33 for $20,000 borrowed at 4.99% APR.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 and Newer. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 6.08%APRas low as
Terms
For vehicle model year 2022 or newer. Rates start as low as stated. Payment example based on a $25,000 loan amount ($484.48/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees.
Auto loan score 65 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.42%APRas low as
Terms
2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only.
Auto loan score 63 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches
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 Ames, IA metro
7 banks and credit unions · checked Oct 16
- Typical
- 4.99%
- Top 10% up to
- 4.51%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.76%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Ames, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- City State BankBank · 1 branch
- Members1st Community Credit UnionCredit union · 2 branches
- Bankers TrustBank · 1 branch