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 1–14 of 14 in Fort Wayne, IN metro · median 5.36% APR
- 4.29%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction.
Auto loan score 89 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - Summit Choice Credit UnionAuto Loans - Cars, Trucks, Street Motorcycles (New and Used) · up to 60 months
Credit union · 6 branches
4.39%APRas low asTerms
Promotional rate valid October 1 – October 31, 2026 on 2024 model year and newer for up to 60 months. Subject to credit approval. First payment deferred up to 90 days for qualified borrowers; interest starts at loan disbursement. A one-time product maintenance fee of $99.00 applies.
Auto loan score 91 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.45%APRas low as
Terms
Rate listed as APR; fixed rate. Preferred Rate Program offers 0.25% rate discount per qualifying active service.
Auto loan score 91 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates are based on credit qualifications, including credit score, minimum amount financed and term, and includes Premier/Access Premier relationship discount of 0.25% APR. Applicable to model year 2017-2027 vehicles.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Model years 2026-2021. As low as 4.75% APR.
Auto loan score 87 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2022-2026
Auto loan score 83
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 - 5.39%APRas low as
Terms
Model years 2023 - 2026 (table lists 2025-2026). Minimum credit score of 750+ required. New money only; Kemba refinances do not apply.
Auto loan score 76 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3Rivers Federal Credit UnionAuto, Truck & Motorcycle Loans · up to 60 months
Credit union · 13 branches
5.74%APRas low asTerms
Rate as low as 5.49% with APR 5.74%. Example assumes borrowing $25,000 with a $149 loan processing fee (total loan amount $25,149) on a 60-month term.
Auto loan score 69 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Collateral: 2020 - 2026 model years. Fixed rate.
Auto loan score 69 · Carrot Score 69
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 - 6.49%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 - 6.49%APRas low as
Terms
As low as APR. Example: APR on a $20,000 loan is 6.49% based on a rate of 6.40%, resulting in an approximate payment of $336.09, for a 72 month term. Subject to a one-time $49 processing fee.
Auto loan score 63 · Carrot Score 63
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 Fort Wayne, IN metro
14 banks and credit unions · checked Oct 15–22
- Typical
- 5.36%
- Top 10% up to
- 4.41%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Fort Wayne, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Summit Choice Credit UnionCredit union · 6 branches
- Flagstar BankBank · 10 branches
- GreenWay BankBank · 1 branch