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 61–71 of 71 in Iowa · median 5.00% APR
- 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 - 6.38%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle year: NEW. Based on automatic loan payments from an AMBank deposit account and a 731 credit score.
Auto loan score 63 · Carrot Score 71
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 - 6.42%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 - 6.74%APRas low as · up to 10.74%with conditions
6.74% APR, up to 10.74%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates are determined by individual credit profile. Rates assume automatic payments from a U.P. Connection checking or savings account.
Auto loan score 62 · Carrot Score 62
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 - 6.75%APRas low as · up to 9.50%
6.75% APR, up to 9.50%
Terms
Rates vary based on year of vehicle.
Auto loan score 62 · Carrot Score 94
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 - 6.99%APRas low as
Terms
Dream Vehicle Loan Special. Available for 2022 or newer vehicles. Fixed rate loan. Subject to credit approval. Auto insurance is required.
Auto loan score 62
Rate checked · Auto loans rates on its site
Rates and branches - 7.11%APRas low as
Terms
APR as low as stated. Terms up to 60 months based on vehicle age.
Auto loan score 62 · Carrot Score 64
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