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 31–43 of 43 in Cook County, IL · median 4.99% APR
- 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
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - Tech Credit UnionCar - Truck - Harley Davidson Loan Special! · up to 75 months
Credit union · 2 branches
5.49%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Without auto debit. Applicant must have a 640+ credit score (if joint, at least one applicant must have 640+). 2019-2021 vehicles eligible up to 60 months; newer model years up to 75 months.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 68 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
As low as. Rate determined at application and may be higher.
Auto loan score 68 · Carrot Score 81
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 - 5.70%APRas low as
Auto loan score 67 · Carrot Score 82
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 - First Savings Bank of HegewischNew Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) · up to 60 months
Bank · 8 branches
6.45%APRas low asTerms
90% Loan-to-Value. Payment example $195.43 monthly based on a $10,000.00 loan.
Auto loan score 62 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 7.25%APRas low as · up to 13.25%
7.25% APR, up to 13.25%
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 7.50%APRas low as
Terms
Up to 84 months; 84-month term available on new vehicles only; minimum $40,000 loan amount.
Auto loan score 68 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 7.51%APRas low as
Terms
Rates as low as 7.51% APR based upon loan amount and creditworthiness. Advertised APR assumes excellent credit history, is based on an average loan amount of $40,000 borrowed over 60 months, includes $257 in account opening fees, and equates to a monthly payment of $799.87. Some loans may be eligible for additional relationship-based account benefits for checking account clients.
Auto loan score 61
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 Cook County, IL
43 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.12%
- Banks, typical
- 6.12%
- Credit unions, typical
- 4.89%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Chicago, IL-IN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Acme Continental Credit UnionCredit union · 1 branch
- Whiting Refinery Federal Credit UnionCredit union · 1 branch
- American Airlines Federal Credit UnionCredit union · 4 branches