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 Muncie, IN metro · median 5.36% APR
- 4.49%APRas low as
Terms
Rates As Low As 4.49% APR* with an Auto Loan; No Payments for 90 Days*
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Model Year 2026-2022 Used. Lowest rate based on credit score. Normal lending qualifications apply. Payment $19.30 per $1,000 borrowed.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Indiana Members Credit UnionAuto Loans: SUVs, Truck, Minivan, & Car · 36–84 months
Credit union · 1 branch
4.49%APRas low as · up to 6.74%with conditions4.49% APR, up to 6.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024 - 2025 models. Reflects 0.25% Full Relationship discount with checking and direct deposit.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.22%APRas low as
Terms
Model year 2022 – New. APR as low as based on borrower qualifications, including model year, vehicle condition, credit history, loan amount, term, and LTV; subject to credit approval; one-time processing fee applies; rates subject to change.
Auto loan score 74 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026-2025. Rates include 0.25% deduction for direct deposit. Rates may be higher depending on credit score.
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Prime Trust Financial Credit UnionVehicle Loans - 2023 through 2026 Models · 49–66 months
Credit union · 4 branches
5.49%APRas low asTerms
Personal & Vehicle Loans receive 0.25% discount if member has existing P.O.M. Checking & member is signed up for E-Statements.
Auto loan score 73 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
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 - 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
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 Muncie, IN metro
10 banks and credit unions · checked Oct 15–16
- Typical
- 5.36%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.22%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Muncie, IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Indiana Members Credit UnionCredit union · 1 branch
- Thrive Credit UnionCredit union · 3 branches
- First County FCUCredit union · 2 branches