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 Muskegon, MI metro · median 5.62% APR
- 3.99%APRas low as
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
60-month term; as low as APR.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Auto & Motorcycle (2027 - 2022). 49-60 Months.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting at 4.99% APR. Rates and terms subject to change at any time without notice. Rate based on credit score and history.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
For model years 2023 and newer. Credit score requirement: 751+ (A+).
Auto loan score 81 · Carrot Score 74
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 as
Terms
New: 2026 vehicles; Up to 66 Months
Auto loan score 69 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Community Choice Credit UnionAuto Loans For new and used cars · 49–60 months
Credit union · 2 branches
5.74%APRas low asTerms
Minimum loan amount $10,000+. 60 monthly payments of $19.22 per $1,000 borrowed.
Auto loan score 69 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are for well qualified borrowers. Actual rates may vary based on credit history, loan purpose, amount, loan-to-value, term, and vehicle year. Includes a 0.25% discount for borrowers who set up Auto Pay at loan closing and finance a 2019 or newer vehicle with a term of 66 months or less. Auto pay is optional.
Auto loan score 66 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Auto loan score 68 · Carrot Score 64
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 - 6.26%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Interest as low as 5.99%. Rate based on automatic withdrawal of payment from ChoiceOne account. APR based on $20,000 loan with 84 monthly payments of $294.63.
Auto loan score 64
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 - 6.62%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate includes discount for auto pay through Independent Bank checking or savings account (6.49% interest rate / 6.62% APR). Available for credit score 750 or greater, automobiles 2023 and newer, and loan amounts greater than $1,000. Standard processing fee of $175.00 applies.
Auto loan score 62 · Carrot Score 62
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 Muskegon, MI metro
14 banks and credit unions · checked Oct 16–22
- Typical
- 5.62%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.25%
- Credit unions, typical
- 5.32%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Muskegon, MI metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Port City Credit UnionCredit union · 1 branch
- Muskegon Federal Credit UnionCredit union · 2 branches
- Lake Michigan Credit UnionCredit union · 4 branches