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 46–60 of 71 in Iowa · median 5.00% APR
- North Iowa Community Credit UnionNew/Program Vehicles - 750+ Beacon Score · up to 60 months
Credit union · 2 branches
5.49%APRas low asTerms
Rates as low as 5.49% APR for 60 Months. Assumes 750+ Beacon score.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.53%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year: 2026 to 2027. APR based on a loan amount of $20,000.00. APRs quoted include a discount of 0.250% APR when enrolled in automatic loan payments from a qualifying deposit account.
Auto loan score 68 · Carrot Score 65
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 - 5.54%APRas low as
Terms
2025 & newer model years
Auto loan score 72 · Carrot Score 61
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 - 5.59%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 - 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 - 5.69%APRas low as
Terms
Model years 2026-2021; new autos minimum loan amount of $25,000.00 for 7 year financing
Auto loan score 75 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as
Terms
The credit union utilizes risk-based pricing, so your rate may be higher depending on your credit score.
Auto loan score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Model year 2023-2026. Rate as low as with approved credit.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Vehicle age 2025-New. Rates as low as stated.
Auto loan score 67 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Terms
Based on a $10,000 loan with a $25.00 loan origination fee; monthly payment is $192.65 including principal and interest.
Auto loan score 64 · Carrot Score 84
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 - 6.08%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
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