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 1–10 of 10 in Battle Creek, MI metro · median 5.56% APR
- 4.75%APRas low as
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83 · Carrot Score 80
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
Rate as low as 4.99%* (up to 42 months). Terms available up to 90 months. Advertised rate includes 0.25% APR rate discount using 20,000 VIP Lifetime Reward Points; standard rate is 0.25% higher without reward points. Subject to credit approval. Loan discount available only on new loans to KCCU. Hybrid/Electric vehicles may receive an additional 0.25% rate reduction. Rates may vary based on term. Model years: 2 model years and newer.
Auto loan score 81 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With VIP Perks Discount. The discount is applied to the loan as a rebate to the loan balance each month that VIP Perks status is maintained. Rate determined by credit experience.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Premier APR; As low as
Auto loan score 66 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.01%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.005% APR on loans for new or pre-owned cars and trucks with terms up to 84 months. Based on highest credit tier; includes 0.25% autopay discount and $175 processing fee. Example given for 2025 or newer vehicle, 60-month term on $20,000 loan at 5.64% interest rate (6.005% APR).
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.40%APRas low as
Terms
Rates shown reflect lowest APR available and may not be available for all loan terms; longer repayment terms may result in higher APRs. Rate depends on credit qualifications, collateral, term selected, and other factors. 90-day payment deferral available subject to credit approval for applicants with credit score of 690+ and vehicle collateral model year 2018 or newer; interest accrues from disbursement date.
Auto loan score 64 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.60%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
For 2024 & Newer model years. Stated APR is based on a credit score of 720+ and requires automatic payment from a Highpoint Community Bank account (otherwise 0.50% is added).
Auto loan score 63 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 6.74%APRas low as
Terms
2017 to 2019 (Auto only).
Auto loan score 62 · Carrot Score 71
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 Battle Creek, MI metro
10 banks and credit unions · checked Sep 24–Oct 22
- Typical
- 5.56%
- Top 10% up to
- 4.97%
- Banks, typical
- 6.00%
- Credit unions, typical
- 5.49%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Battle Creek, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- KCCUCredit union · 7 branches
- Flagstar BankBank · 1 branch