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 16–24 of 24 in Polk County, IA · median 4.99% APR
- 5.45%APRas low as
Terms
2024 Model Year & Newer with 10% Down Payment. Example: 5.462% APR based on 5 year $20,000 loan with 10% Down, 60 mo. payments of $381.67.
Auto loan score 75 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025 or newer.
Auto loan score 73 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05.
Auto loan score 82 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.08%APRas low as
Terms
For vehicle model year 2022 or newer. Rates start as low as stated. Payment example based on a $25,000 loan amount ($484.48/mo). Exclusive rate for Hy-Vee PERKS® members or Hy-Vee / Hy-Vee subsidiary employees.
Auto loan score 65 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
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 - 6.42%APRas low as
Terms
2023 and Newer Model Years. Special APR as low as; includes discount for automatic payment from a First National Bank deposit account with direct deposit, as well as other minimum requirements. New money to First National Bank only.
Auto loan score 63 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.66%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for purchase and refinancing. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 62 · Carrot Score 60
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 Polk County, IA
24 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.09%
- Credit unions, typical
- 4.74%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Des Moines, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 2 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch