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 91–105 of 134 in Illinois · median 4.90% APR
- Partnership Financial Credit Union2026 – 2024 Model Year Vehicle Rates · up to 60 months
Credit union · 7 branches
5.00%APRas low as · up to 15.00%5.00% APR, up to 15.00%
Terms
Combined credit score tiers (725+ to 574 & Below).
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2027 - 2026. Rate reflects A+ credit discount (>740 score) and Multiple Service discount.
Auto loan score 77 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Applies to 2024 & newer models. APR as low as 5.09% based on creditworthiness.
Auto loan score 81 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
APR as low as based on creditworthiness and underwriting standards. Up to 0.50% rate discount for all-electric/plug-in electric vehicles and switching to eStatements.
Auto loan score 81 · Carrot Score 84
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 - West Community Credit UnionNew Car (Model years 2024 to 2027) · up to 60 months
Credit union · 1 branch
5.24%APRas low asAuto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - HealthCare Associates Credit UnionBuyersChoice Auto Loan Program · up to 72 months
Credit union · 4 branches
5.25%APRas low asTerms
Model years 2024–2026.
Auto loan score 77 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 10.50%
5.25% APR, up to 10.50%
Terms
Rates across credit score tiers A/0-200 to D/601-1000. Experian credit bureau risk score determines rate.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas 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
Rates subject to change without notice.
Auto loan score 73 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Applicable to 2026 & '27 models; new purchases only. Includes 0.10% member relationship discount and 0.25% autopay discount.
Auto loan score 80 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Financing up to 72 months. Automatic payment from BVNB deposit account required. Actual APR may vary based on other factors. Example: A 60-month $25,000 fixed-rate secured auto loan at 4.49% APR has a monthly payment of $465.98.
Auto loan score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Auto loan score 75 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2025 or newer. Stated APR includes 1% Digital Banking/eStatements discount and 1% electronic auto-pay discount.
Auto loan score 72 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 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
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 Illinois
134 banks and credit unions · checked Oct 16–22
- Typical
- 4.90%
- Top 10% up to
- 4.00%
- Banks, typical
- 6.16%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Illinois
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bloomington Municipal Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 7 branches
- Acme Continental Credit UnionCredit union · 1 branch