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 31–45 of 71 in Iowa · median 5.00% APR
- 4.99%APRas low as
Terms
For 2024 and newer autos and motorcycles with less than 45,000 miles. Example: 60 monthly payments of $377.33 for $20,000 borrowed at 4.99% APR.
Auto loan score 80 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount with automatic payment from North Star Community Credit Union account. As low as rate.
Auto loan score 79 · Carrot Score 88
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
Model year 2024 and Newer. Rates quoted with all available discounts, subject to change, based on credit history. 1.00% added when refinancing an existing Premier loan.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate based on Beacon Score of 740+ with automatic electronic payment and minimum $5,000 of new money.
Auto loan score 78 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.99%
4.99% APR, up to 18.99%
Terms
Base rates; risk-based pricing where credit score determines rate.
Auto loan score 78 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Auto Pay Discount and Loan-to-Value Discount applies. Term based on age of vehicle. Terms and qualifications apply. Rate subject to change without notice.
Auto loan score 82 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.05%APRas low as
Terms
APR as low as stated rate.
Auto loan score 81 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Model year 2024 & newer. Term 60 months. Qualified credit. Rates as low as shown.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Model Year 2017-2019
Auto loan score 79 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Actual Rate you receive is based on your credit score and term. As low as.
Auto loan score 77 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model Year 2024 to 2026. Call for term. Actual rates may be higher based on credit worthiness.
Auto loan score 77 · Carrot Score 77
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 - 5.45%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
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 Iowa
71 banks and credit unions · checked Oct 16–22
- Typical
- 5.00%
- Top 10% up to
- 4.49%
- Banks, typical
- 6.24%
- Credit unions, typical
- 4.94%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Iowa
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Collins Community Credit UnionCredit union · 9 branches
- Serve Credit UnionCredit union · 2 branches
- Advantage Credit UnionCredit union · 1 branch