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 61–75 of 76 in Chicago, IL-IN metro · median 4.99% APR
- 5.75%APRas low as · up to 9.49%
5.75% APR, up to 9.49%
Terms
Rates range from 5.75% APR for Excellent credit to 9.49% APR for Fair credit. Actual APR determined at disbursement based on application and credit history.
Auto loan score 68 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 60 months. Diamond Status My Member Perks.
Auto loan score 68 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
New only, model years 2025-2027. Rates shown reflect all possible discounts and are subject to change without notice. Rates are based on credit history and qualifications. Not all applicants will qualify for lowest rates.
Auto loan score 63 · Carrot Score 81
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 - 6.24%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 - 6.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: NEW. Based on automatic loan payments from an AMBank deposit account and a 731 credit score.
Auto loan score 63 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 6.41%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 64 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - First Savings Bank of HegewischNew Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) · up to 60 months
Bank · 14 branches
6.45%APRas low asTerms
90% Loan-to-Value. Payment example $195.43 monthly based on a $10,000.00 loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as
Terms
6.49% APR is based on 60-month term, 2022 or newer vehicle, with a minimum credit score of 740. Subject to credit approval; rates subject to change.
Auto loan score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.69%APRas low as
Terms
New (2025 & Newer). Monthly payment estimate per $10,000 borrowed $197.06.
Auto loan score 62 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 6.99%APRas low as
Terms
Year: 2024. Also included are 2023 vehicles with less than 10,000 miles and 2023 new, untitled vehicles.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Vehicle model year: 2025-New
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - North Shore BankAuto Loan Interest Rates for 2025+ Model Year Vehicles · up to 60 months
Bank · 1 branch
7.25%APRas low asTerms
Payment is $19.92 per $1,000 borrowed. Available to well-qualified borrowers.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 7.50%APRas low as
Terms
Up to 84 months; 84-month term available on new vehicles only; minimum $40,000 loan amount.
Auto loan score 68 · Carrot Score 78
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 Chicago, IL-IN metro
76 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.16%
- Banks, typical
- 6.39%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches