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 121–135 of 135 in Illinois · median 4.90% 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 - 6.26%APRas low as
Terms
Requires 10% down payment. APR and payments based on a $15,000 loan example and may differ based on loan amount, credit score, and term.
Auto loan score 62 · Carrot Score 73
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 - 6.41%APRas low as
Terms
2026 & 2025 (new & program); deduct 0.25% for loans with payment auto transferred from SBT account; APR based on loan amount of $20,000.00, $75.00 loan fee, and $39.00 Lender's Single Insurance premium; add 1.50% if loan is secured by Motorcycle, ATVs, RVs, lawn Equipment, etc.
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.41%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Auto loan score 64 · Carrot Score 65
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 · 9 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 - First Federal Savings Bank of Mascoutah2021-2025 Model Years "NEW" · up to 63 months
Bank · 3 branches
6.48%APRas low asTerms
Credit score 700+
Auto loan score 62 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.59%APRas low as · up to 10.29%
6.59% APR, up to 10.29%
Terms
Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 7.00%APRas low as
Terms
Vehicle model year: 2025-New
Auto loan score 61 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - North Shore BankAuto Loan Interest Rates for 2025+ Model Year Vehicles · up to 60 months
Bank · 1 branch
7.25%APRas low asTerms
Payment is $19.92 per $1,000 borrowed. Available to well-qualified borrowers.
Auto loan score 61 · Carrot Score 89
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 - 7.28%APRas low as
Terms
Vehicle Year: 2024-New. APR is based on a loan amount of $20,000.00 and reflects representative credit terms for clients with a FICO score of 720 or above. Monthly payment per $1,000 borrowed as low as $19.74. Subject to credit approval.
Auto loan score 61 · Carrot Score 70
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 77
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 - 7.74%APRas low as
Terms
Vehicle Years: New 2024-2025
Auto loan score 76 · Carrot Score 95
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
135 banks and credit unions · checked Oct 16–23
- Typical
- 4.90%
- Top 10% up to
- 4.00%
- Banks, typical
- 6.24%
- 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