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 1–3 of 3 in Centralia, IL metro · median 4.75% APR
- 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APRs include a 0.25 percentage-point rate reduction for GenFed checking with direct deposit and a 0.50 percentage-point rate reduction for LTV below 90% (reductions can be combined). Actual APR may be higher. Financing up to 84 months on new and 72 months on used cars; maximum vehicle loan amount $250,000. Optional 90-day payment delay (interest accrues). Prepayment penalty reimbursement up to $100 when refinancing.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Applicable to 2023 - 2026 New & Used Cars, Trucks, Vans, Motorcycles. Advertised as lowest rate possible; rate based on Prime index, term, model year, and credit history.
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 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 82 · Carrot Score 69
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 Centralia, IL metro
3 banks and credit unions · checked Oct 16
- Typical
- 4.75%
- Top 10% up to
- 4.74%
- Credit unions, typical
- 4.75%
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
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch