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 1–13 of 13 in Cedar Rapids, IA · median 5.49% APR
- 4.14%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model years 2024 to 2026. Includes 0.50% Loyalty Discount (Standard APR as low as 4.64%). Up to 60 Months.
Auto loan score 93 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.54%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates shown are as low as and reflect all discounts.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
2024-2026 model years with less than 20,000 miles. Available to members with qualifying credit and member relationships.
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
2026, 2025, 2024
Auto loan score 81 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
2024-27 Model Year; rates as low as stated; APR based on member credit qualification and total loan amount.
Auto loan score 76 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - City & County Credit UnionNew Vehicle: model year 2026 - 2025 · up to 60 months
Credit union · 1 branch
5.44%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications.
Auto loan score 68 · Carrot Score 70
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 - 5.54%APRas low as
Terms
60 months. Rates as low as shown.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: New. Includes 0.50% APR discount for direct deposit and automatic loan payments from a First Federal Credit Union checking account.
Auto loan score 65 · Carrot Score 82
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 - 6.40%APRas low as
Terms
Payment example of $418.99/mo based on a 60-month term for a $25,000.00 loan amount with a credit score of 700+ and a vehicle year of 2021 or newer.
Auto loan score 64 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 6.75%APRas low as
Terms
Model Year 2025-Newer. Advertised as low as APR assumes Beacon Score of 740 or above; actual APR depends on LTV and term.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 6.86%APRas low as · up to 10.30%
6.86% APR, up to 10.30%
Terms
Rates vary based on year of vehicle.
Auto loan 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 Cedar Rapids, IA
13 banks and credit unions · checked Oct 16–17
- Typical
- 5.49%
- Top 10% up to
- 4.63%
- Banks, typical
- 6.58%
- Credit unions, typical
- 5.39%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Cedar Rapids, IA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 4 branches
- Bankers TrustBank · 2 branches
- Corda Credit UnionCredit union · 4 branches