Havana, Illinois Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Havana, Illinois include SIU Credit UnionSIU Credit UnionA+5.0 ★Texas Ratio: 4.87% offering Auto Loans at 2.50%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 1.36% offering New Auto Loan - 1 year at 2.99%, Chicago Firefighters Credit UnionChicago Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.13% offering New Vehicle Loan at 3.00%, Western Springs Federal Credit UnionWestern Springs Federal Credit UnionA+5.0 ★Texas Ratio: 0.93% offering New Car Loan at 3.25%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.42% offering New and Used Auto Loans at 3.25%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Havana borrowers have access to 57 lenders serving the Illinois area, with auto loan rates as low as 2.50% APR from SIU Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Havana, Illinois. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Havana, Illinois & Surrounding Area
Havana Auto Loan Rates
As Low As*; No Payments for 90 Days
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Credit Score: A 700 & Up
Maximum Loan $55,000.00
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.
Balance: $50.00 deposit balance; Term: Ranges between 36 months and 72 months depending on the age of the vehicle.; Application fee: $20.00; 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. Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, be a credit union member and demonstrate the capacity to repay the loan.
As Low As
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Same year or following year & never before titled
Same year or following year & never before titled
Credit Score: 750 plus
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
APR as low as
APR as low as
APR as low as
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: A 700 & Up
Credit Score: A 700-above
20% Down
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.
Model Year: NEW
Vehicle Year: 2023 and Newer; ALL RATES SUBJECT TO CREDIT APPROVAL; The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information; Existing CCNCU loans are excluded from this rate
Credit Score: 750 plus
Model Year: 2023-2026
APR as low as
APR as low as
APR as low as
Credit Score: 725+
Rates are based on credit score and term of loan. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
Model Years 2024-2026
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
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
As low as
As Low As; 2025 & Newer
Up to retail value
20% Down
NADA Trade-in Value
NADA Trade-in Value
As Low As
Rates effective as of 12/01/2023
As low as; Model Year: New Auto 2025 & Newer
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
Line of Credit: n/a; APR range: 3.99% - 15.04%
As Low As*
As Low As*
As Low As*
As Low As*
Add 1% extra for boats; No down payment required; New Molex loans only.
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~ New Molex loans only.
For new and used car loans.
Credit Score: 750 plus
NEW (2023-2026)
Vehicles 5 years and older add 2.00% to each tier. Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
As Low As
As Low As
Vehicle Year: ; ALL RATES SUBJECT TO CREDIT APPROVAL; The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information; Existing CCNCU loans are excluded from this rate
Model Year: 2024 - Newer
Model Year: 2024 - Newer
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
As Low As; Rate includes up to 48 month term on 2024 and newer purchases & discounts for Auto Withdrawal .50% APR and SOCU primary checking account .50% APR: Additional .50% APR discount may apply with ScoreCard point redemption of equal points to amount of loan financed.
As Low As; *
APR* - 2025 and Newer
As Low As
APR as low as
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: 700-above
Credit Score: B 640-699
Credit Score: A 700-above
As Low As
As Low As; loan value over $15,000
Model Year: 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.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Model Year: NEW
Buy or refinance and save on interest and payments, no payments for 60 days and more!
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
Listed rates are for 110% financing for qualified members. Listed rates include .10% member relationship discount and .25% automatic payment discount. To qualify for the relationship discount, you must have a Central Credit Union checking account, real estate loan, vehicle loan or Visa Platinum at the time you disburse your vehicle loan. To qualify for the automatic payment discount, your vehicle loan payment must be automatically deducted from a Central Credit Union checking account each month. Other terms are available at higher rates. APR may vary based on term and creditworthiness. At the listed rates, the credit union will finance up to 110% of the manufacturer's suggested retail price less any manufacturer's rebate for new vehicles and up to 110% of the NADA retail value for used vehicles for qualified members. Loans are repayable in equal monthly installments over the term of the loan. Refinances not valid for existing Central Credit Union loans. Secretary of State retitling fee will be added to the loan balance of members who refinance with loans less than $10,000. To take advantage of listed rates, you must apply by November 30, 2026 and disburse your loan by December 15, 2026.
As low as; Model Year: New Auto 2025 & Newer
As Low As
Credit Grade: A
Credit Grade: A+
Loan-to-Value: 90%
Loan-to-Value: 90%
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
Vehicle Year: 2021 - 2022; ALL RATES SUBJECT TO CREDIT APPROVAL; The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information; Existing CCNCU loans are excluded from this rate
As Low As
As Low As
Vehicle Year: 2025 and newer
As Low As
Maximum Loan $55,000.00
New Never Titled
2022 & Newer
Credit Score: 750 plus
Model Year: 2023-2026
Model Year: 2019 - 2022
APR as low as
APR as low as
APR as low as
Credit Score: C 550-624
Credit Score: 725+
Credit Score: 725+
Model Years 2020-2023
Model Years 2024-2026
Model Year: 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.
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
Vehicle Year: 2025 and newer
As low as; Model Year: New Auto 2025 & Newer
As Low As
Model Year: 2021 - 2023
Model Year: 2021 - 2023
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
As Low As; 2022 - 2024*
Loan to Value: 100%
Line of Credit: n/a; APR range: 4.44% - 15.44%
As Low As
2025-2026 less than 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019 or older add 2% to rate; APR range: 4.49% - 14.49%
All other used vehicles
Used-all other vehicles
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
As Low As
Model Year: 2026 - 2025
Model Year: 2024 - Newer
As Low As; 72 month financing applies to vehicles $20,000 or more.
As Low As; 72 month financing applies to vehicles $20,000 or more.
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As low as; Rate includes discounts for platinum checking and automatic payment.
*
APR* - 2023 to 2024
APR* - 2025 and Newer
APR* - 2025 and Newer
Qualifications Required: 680 minimum credit score; Automatic payment from BVNB deposit account; Offer valid on vehicle purchases. Refinanced vehicles will qualify if purchased in the last 6 months. Vehicle must be model 2022 or newer. Eligible professionals are active or retired military, veterans, first responders, medical professionals, teachers. Documentation of line of work required. Minimum credit score 680 and standard underwriting applies. Actual annual percentage rate (APR) may be different based on other factors. Auto pay from BVNB account is required. This rate offer can be removed at any time without notice.
Minimum Loan Amount: $1,000
Minimum Loan Amount: $20,001
Minimum Loan Amount: $1,000
Minimum Loan Amount: $20,001
As Low As
Vehicle Year: 2025 and newer
Vehicle Year: 2022-2024
As Low As
Credit Grade: A+
As Low As*
Vehicle Year: 2025 or Newer; Credit Score: 760+
As Low As
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: 640-699
Credit Score: 700-above
Credit Score: C 550-639
Havana New Auto Auto Loan Rates
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
Credit Score: A 700 & Up
Maximum Loan $55,000.00
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.
Balance: $50.00 deposit balance; Term: Ranges between 36 months and 72 months depending on the age of the vehicle.; Application fee: $20.00; 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. Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, be a credit union member and demonstrate the capacity to repay the loan.
As Low As
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Same year or following year & never before titled
Credit Score: 750 plus
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.
APR as low as
APR as low as
APR as low as
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: A 700-above
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.
Model Year: NEW
Credit Score: 750 plus
Model Year: 2023-2026
APR as low as
APR as low as
APR as low as
Rates are based on credit score and term of loan. Vehicle loans currently financed at Partnership Financial Credit Union are not eligible to refinance for the lower rate at Partnership Financial Credit Union.
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
As Low As; 2025 & Newer
Up to retail value
20% Down
As Low As
Rates effective as of 12/01/2023
As low as; Model Year: New Auto 2025 & Newer
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
Add 1% extra for boats; No down payment required; New Molex loans only.
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~ New Molex loans only.
Credit Score: 750 plus
Vehicles 5 years and older add 2.00% to each tier. Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
As Low As
As Low As
Model Year: 2024 - Newer
Model Year: 2024 - Newer
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
APR* - 2025 and Newer
APR as low as
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: B 640-699
Credit Score: A 700-above
As Low As
Model Year: 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.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
Model Year: NEW
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
As Low As; Vehicle Year(s): 2024, '25, '26 & '27 Models
As low as; Model Year: New Auto 2025 & Newer
Loan-to-Value: 90%
Loan-to-Value: 90%
2025-2026 less than 5,000 miles
2025-2026 less than 5,000 miles
As Low As
Vehicle Year: 2025 and newer
As Low As
Maximum Loan $55,000.00
New Never Titled
Credit Score: 750 plus
Model Year: 2023-2026
APR as low as
APR as low as
APR as low as
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.
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
Vehicle Year: 2025 and newer
As low as; Model Year: New Auto 2025 & Newer
New 2026, 2025: 10% down
New 2026, 2025: 10% down; (New Money Only)
As Low As; 2022 - 2024*
Loan to Value: 100%
As Low As
2025-2026 less than 5,000 miles
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
As Low As
Model Year: 2026 - 2025
Model Year: 2024 - Newer
As Low As; 72 month financing applies to vehicles $20,000 or more.
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As low as; Rate includes discounts for platinum checking and automatic payment.
APR* - 2023 to 2024
APR* - 2025 and Newer
APR* - 2025 and Newer
Minimum Loan Amount: $1,000
Minimum Loan Amount: $20,001
Vehicle Year: 2025 and newer
Vehicle Year: 2025 or Newer; Credit Score: 760+
Credit Score: B 625-699
Credit Score: A 700 & Up
Credit Score: C 550-639
Havana Used Auto Auto Loan Rates
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.
Balance: $50.00 deposit balance; Term: Ranges between 36 months and 72 months depending on the age of the vehicle.; Application fee: $20.00; 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. Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, be a credit union member and demonstrate the capacity to repay the loan.
Same year or following year & never before titled
APR 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
APR as low as
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.
Rates Effective June 1, 2026. Qualifying rates are based on collateral, term, down payment and creditworthiness. Not all loans are eligible, including internal refinances. The maximum combined qualifying discount is up to 0.90% for special Anniversary Discount, plus Direct Deposit Discount, plus Loan Loyalty or Welcome Aboard Discount. No other discounts can be combined. A 0.40% discount is available for vehicle loan applications submitted between 07/01/2026 and 09/30/2026, and funded by 10/31/2026. A 0.25% discount will be given for direct deposit into a Credit Union checking account. Direct Deposit Discount begins on the first month after the loan is funded or the month after direct deposit begins any time during your loan term and will continue to be deducted from the rate monthly, as long as direct deposit remains on the member's checking account and the member remains in good standing. An additional discount of 0.25% can be applied for Loan Loyalty or Welcome Aboard Discounts; however, these two cannot be combined. A 0.25% Loan Loyalty Discount is available for members having two (2) or more loans with a balance in the last two (2) years. Auto loans need activity within the last four (4) years. Some loan types are excluded. A 0.25% Welcome Aboard Discount is valid 90 days from the opening date of new membership. Not all members will qualify. Ask the Credit Union for more details.
NADA Trade-in Value
NADA Trade-in Value
As Low As*
As Low As*
As Low As*
As Low As*
Vehicles 5 years and older add 2.00% to each tier. Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.
APR as low as
Credit Score: B 625-699
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.
As Low As
2022 & Newer
Model Year: 2019 - 2022
APR as low as
APR as low as
APR as low as
Model Year: 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.
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019-2025 and 2025-2026 with over 5,000 miles
2019 or older add 2% to rate; APR range: 4.49% - 14.49%
All other used vehicles
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
As Low As; 72 month financing applies to vehicles $20,000 or more.
Minimum Loan Amount: $1,000
Minimum Loan Amount: $20,001
As Low As
Vehicle Year: 2022-2024
As Low As
As Low As*
Credit Score: B 625-699
Credit Score: A 700 & Up
Havana, IL Auto Loan Rate Trends
Compare local Havana, 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 fell 0.379 points over the past 7 days to 5.278% APR.
Illinois used auto rates fell 0.008 points over the past 7 days to 6.002% APR.
Havana, IL Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Illinois figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Illinois APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.28% APR IL average | Used Auto @ 6.00% APR IL average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.98/mo | $290.00/mo | $5.02/mo |
| $25,000 | $474.97/mo | $483.34/mo | $8.37/mo |
| $35,000 | $664.96/mo | $676.68/mo | $11.72/mo |
| $45,000 | $854.94/mo | $870.01/mo | $15.07/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Havana, Illinois
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Havana, Illinois locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Illinois. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Havana, Illinois high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Havana, Illinois CD rates lock in a guaranteed return until you’re ready to buy
Havana, Illinois Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 21.7% of the median individual income in Havana, Illinois. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Havana, Illinois, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Havana, Illinois. We’ve prefilled the APR with today’s IL new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Havana, 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 Havana, 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 Havana, 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 Havana, 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?
Should I get preapproved for an auto loan before visiting a dealer in Havana, Illinois?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Havana, Illinois?
- SIU Credit Union: 2.50% (Auto Loans)
- Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan - 1 year)
- Chicago Firefighters Credit Union: 3.00% (New Vehicle Loan)
- Western Springs Federal Credit Union: 3.25% (New Car Loan)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
Havana, Illinois Rates & Resources
