Auto Loan Rates in Aurora, Illinois (IL) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Aurora, Illinois include NuMark Credit UnionNuMark Credit Union403 Asbury Dr, Aurora, IL, 60502A5.0 ★Texas Ratio: 8.46% offering New & Used Vehicle Loan at 4.49%, Chicago Firefighters Credit UnionChicago Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.51% offering New Vehicle Loan at 3.00%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.06% offering New and Used Auto Loans at 3.25%, South Side Community Federal Credit UnionSouth Side Community Federal Credit UnionA+5.0 ★Texas Ratio: 0.72% offering New and Used Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Aurora has 1 local institution in our database, with auto loan rates as low as 4.49% APR from NuMark Credit Union at 403 Asbury Dr, Aurora, IL, 60502. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Aurora, Illinois. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Aurora, Illinois & Surrounding Area
Aurora Auto Loan Rates
As Low As; Actual rate based on credit worthiness and age of vehicle. Some restrictions apply. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance.
Credit Score: A 700 & Up
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
As low as
Credit Score: 750 plus
APR as low as
APR as low as
APR as low as
APR as low as
Credit Score: A 700 & Up
Credit Score: A 700 & Up
20% Down
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As
Auto loans start at 3.74% for up to 36 months.
Credit Score: 750 plus
APR as low as
Model Years 2024-2026; For Well Qualified Borrowers; As Low As
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as
Up to retail value
APR* as low as
Special Rates
Credit Score: 750 plus
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
APR as low as
APR as low as
APR as low as
Credit Score: A 700 & Up
Credit Score: A 700 & Up
New Auto (2025, 2026, 2027)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as
As Low As
10% down
10% down
As Low As; 2026 & Newer
As Low As; 2024, '25 & '26 Models
As Low As
As Low As
As Low As
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
As Low As; APR
Credit Score: 750 plus
APR as low as
Credit Score: C 550-624
Model Years 2020-2023; For Well Qualified Borrowers; As Low As
Used Auto (2024 - 2023)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As
10% down
10% down
As Low As
APR* as low as
2019 or older add 2% to rate
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 700-749
Credit Score: 750 plus
Model Year: 2026 - 2025
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
As Low As; Examples shown illustrate best rates.
As Low As; Examples shown illustrate best rates.
10% down
10% down
As Low As
Model Year: 2026-2025
As Low As; $80,000 or more if qualified
APR as low as
APR as low as
APR as low as
Credit Score: A 700 & Up
Credit Score: A 700 & Up
Up to 120% of Retail
NADA trade-in value
Rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Used Auto (2022 - 2021)
As low as
As Low As; $60,000 or more if qualified
Loan Amount: $2,500+
As Low As
10% down
10% down
$80,000 or more if qualified
APR* as low as
As Low As
Model Year: 2026 - 2025
As Low As
As Low As; APR
Model Year: 2026-2025
New Molex loans only.
Credit Score: 750 plus
Credit Score: 750 plus
Credit Score: C 550-624
Credit Score: C 550-624
Model Years 2020-2023; For Well Qualified Borrowers; As Low As
As Low As
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
As Low As
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
As Low As; 2024, 25 & '26 Models
As Low As
10% down
10% down
$60,000 or more if qualified
As Low As; 80 Years in the Driver's Seat. Celebrate with auto loans as low as
As Low As
Loan Amount: $2,500+
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
10% down; Minimum loan requirement of $30,000
10% down; Minimum loan requirement of $30,000
$80,000 or more if qualified
Up to 120% of Retail
Up to retail value
NADA trade-in value
As Low As; Untitled
APR* as low as
2019 or older add 2% to rate
As Low As
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 700-749
Credit Score: 750 plus
Model Year: 2026 - 2025
Model Year: 2022 - 2025
Rates are variable and depend on creditworthiness. APR*
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
As Low As; 72 month financing applies to vehicles $20,000 or more. Examples shown illustrate best rates.
As Low As; 72 month financing applies to vehicles $20,000 or more. Examples shown illustrate best rates.
As Low As
As Low As
$60,000 or more if qualified
APR as low as
APR as low as
Credit Score: A 700 & Up
Credit Score: A 700 & Up
As Low As
As Low As
As Low As; 2024, '25 & '26 Models
As Low As
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
$80,000 or more if qualified
As Low As; 2023 - 2025*
As Low As; 2023 Models
As Low As
Loan Amount: $2,500+
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
$60,000 or more if qualified
APR* as low as
Aurora New Auto Auto Loan Rates
As Low As; Actual rate based on credit worthiness and age of vehicle. Some restrictions apply. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance.
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
As low as
Credit Score: 750 plus
APR as low as
APR as low as
APR as low as
Credit Score: A 700 & Up
20% Down
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As Low As
Credit Score: 750 plus
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Up to retail value
Special Rates
Credit Score: 750 plus
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
APR as low as
Credit Score: A 700 & Up
New Auto (2025, 2026, 2027)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as
As Low As
10% down
10% down
As Low As
The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information
As Low As; APR
Credit Score: 750 plus
Credit Score: C 550-624
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
10% down
10% down
As Low As
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 700-749
Model Year: 2026 - 2025
As Low As; Examples shown illustrate best rates.
10% down
10% down
As Low As; $80,000 or more if qualified
APR as low as
Credit Score: A 700 & Up
Up to 120% of Retail
10% down
10% down
$80,000 or more if qualified
Model Year: 2026 - 2025
As Low As; APR
Credit Score: 750 plus
Credit Score: C 550-624
As Low As
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.; 84 month term on new vehicles only based on credit score.
As Low As
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
10% down
10% down
As Low As
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
10% down; Minimum loan requirement of $30,000
10% down; Minimum loan requirement of $30,000
$80,000 or more if qualified
Up to 120% of Retail
As Low As; Untitled
As Low As
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 700-749
Model Year: 2026 - 2025
Rates are variable and depend on creditworthiness. APR*
As Low As; 72 month financing applies to vehicles $20,000 or more. Examples shown illustrate best rates.
Credit Score: A 700 & Up
As Low As
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
$80,000 or more if qualified
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
Aurora Used Auto Auto Loan Rates
As Low As; Actual rate based on credit worthiness and age of vehicle. Some restrictions apply. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance.
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
Qualifications Required: Must provide a vehicle description; most recent two pays stubs; proof of rent or mortgage; be a credit union member; demonstrate the capacity to repay the loan; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. You can borrow up to $40K for a new car or $35K for a used car. Application fee: $20.00
APR as low as
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
APR as low as
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
As low as
APR as low as
APR as low as
Credit Score: A 700 & Up
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
APR as low as
Used Auto (2024 - 2023)
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.
2019 or older add 2% to rate
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 750 plus
As Low As; Examples shown illustrate best rates.
As Low As
APR as low as
APR as low as
Credit Score: A 700 & Up
NADA trade-in value
Rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Rates quoted are the lowest rate available. The rate you will receive on your loan will be determined by your credit score and may be higher. All rates are subject to change without notice.
Used Auto (2022 - 2021)
As low as
As Low As; $60,000 or more if qualified
New Molex loans only.
Credit Score: 750 plus
Credit Score: C 550-624
As Low As
As Low As
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
$60,000 or more if qualified
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Up to retail value
NADA trade-in value
2019 or older add 2% to rate
As Low As
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Credit Score: 750 plus
Model Year: 2022 - 2025
Rates are variable and depend on creditworthiness. APR*
As Low As; 72 month financing applies to vehicles $20,000 or more. Examples shown illustrate best rates.
As Low As
As Low As
$60,000 or more if qualified
APR as low as
APR as low as
Credit Score: A 700 & Up
$60,000 or more if qualified
Aurora, IL Auto Loan Rate Trends
Compare local Aurora, IL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Illinois new auto rates rose 0.063 points over the past 7 days to 5.483% APR.
Illinois used auto rates rose 0.091 points over the past 7 days to 6.234% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Aurora, Illinois auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Aurora, Illinois directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Aurora, Illinois. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IL.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Aurora, Illinois
How does my credit score affect my car loan rate in Illinois?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Aurora, Illinois?
- NuMark Credit Union: 4.49% (New & Used Vehicle Loan)
- Chicago Firefighters Credit Union: 3.00% (New Vehicle Loan)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- South Side Community Federal Credit Union: 3.25% (New and Used Auto Loans)
- American Airlines Federal Credit Union: 3.34% (New Auto)
