Auto Loan Rates in La Fayette, Illinois (IL) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in La Fayette, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in La Fayette, Illinois include 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%, Tee Pak Credit UnionTee Pak Credit UnionA+5.0 ★Texas Ratio: 1.79% offering New Vehicles Loan at 3.49%. Auto loan rates as of June 29, 2026 according to verified data from MonitorBankRates.
La Fayette borrowers have access to 46 lenders serving the Illinois area, with auto loan rates as low as 3.00% APR from Chicago Firefighters Credit Union. 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 La Fayette, Illinois. Auto Loan Rates Last Updated and Verified: June 29, 2026
Compare Auto Loan Rates Today in La Fayette, Illinois & Surrounding Area
La Fayette Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
3.00%
36 months
▼
APR3.00%
Term36 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
Ranges between 36 months and 72 months depending on the age of the vehicle
▼
APR3.25%
TermRanges between 36 months and 72 months depending on the age of the vehicle
Last UpdatedJun 16, 2026
Details
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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.49%
up to 3 years
▼
APR3.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedJun 27, 2026
Details
As Low As; Payment: $29.30 per $1,000
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 0-24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 25-36 Months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 37-48 Months
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 0-24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
3.50%
48 months
▼
APR3.50%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
20% Down
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
3.69%
Up to 36 Months*
▼
APR3.69%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
Auto Loans
3.74%
36 months
▼
APR3.74%
Term36 months
Last UpdatedJun 16, 2026
Details
Auto loans start at 3.74% for up to 36 months.
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
3.74%
0 - 24 months
▼
APR3.74%
Term0 - 24 months
Last UpdatedJun 29, 2026
Details
APR*
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.75%
up to 4 years
▼
APR3.75%
Termup to 4 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 25-36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
3.99%
24 mos
▼
APR3.99%
Term24 mos
Last UpdatedJun 11, 2026
Details
APR* as low as
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.99%
up to 5 years
▼
APR3.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedJun 16, 2026
Details
Chicago Area Office Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Car Loan
3.99%
up to 7 years
▼
APR3.99%
Termup to 7 years
Last UpdatedJun 23, 2026
Details
Special Rates
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 26, 2026
Details
10% down
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 49-63 Months
4.00%
63 Months
▼
APR4.00%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 37-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.00%
48 mos.
▼
APR4.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.04%
25 - 36 months
▼
APR4.04%
Term25 - 36 months
Last UpdatedJun 29, 2026
Details
APR*
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.09%
Up to 48 Months*
▼
APR4.09%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
4.14%
24 Months
▼
APR4.14%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2024, '25 & '26 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2024, '25 & '26 Models
4.14%
24 Months
▼
APR4.14%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
IAA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2025 & Newer 66 Month Auto Loan
4.23%
66 Month
▼
APR4.23%
Term66 Month
Last UpdatedJun 11, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.25%
up to 6 years
▼
APR4.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 25-36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2025 and newer
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.29%
Up to 36 Months*
▼
APR4.29%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.29%
48 months
▼
APR4.29%
Term48 months
Last UpdatedJun 26, 2026
Details
10% down
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.39%
60 months
▼
APR4.39%
Term60 months
Last UpdatedJun 26, 2026
Details
10% down
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.39%
37 - 48 months
▼
APR4.39%
Term37 - 48 months
Last UpdatedJun 29, 2026
Details
APR*
IAA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2025 & Newer 72 Month Auto Loan
4.48%
72 Month
▼
APR4.48%
Term72 Month
Last UpdatedJun 11, 2026
Details
As Low As
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
4.49%
36 mos
▼
APR4.49%
Term36 mos
Last UpdatedJun 11, 2026
Details
APR* as low as
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.49%
Up to 60 Months*
▼
APR4.49%
TermUp to 60 Months*
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.49%
up to 3 years
▼
APR4.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.49%
up to 3 years
▼
APR4.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedJun 16, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.46%
New & Used Vehicle Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
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.
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 24 MONTHS
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 36 MONTHS
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 48 MONTHS
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 60 MONTHS
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans Used 24 MONTHS
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans Used 36 MONTHS
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 23, 2026
Details
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Automobiles
4.49%
12 to 36 mos.
▼
APR4.49%
Term12 to 36 mos.
Last UpdatedJun 29, 2026
Details
2019 or older add 2% to rate
GenFed Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.20%
Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 29, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJun 16, 2026
Details
As Low As; $80,000 or more if qualified
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 64-75 Months
4.50%
75 Months
▼
APR4.50%
Term75 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 37-48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 49-63 Months
4.50%
63 Months
▼
APR4.50%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Up to 120% of Retail
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (24 months) Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedJun 16, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 24 months Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (48 months) Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
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.
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
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.
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.50%
3 yr Financing
▼
APR4.50%
Term3 yr Financing
Last UpdatedJun 26, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2022-2024
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedJun 29, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loans
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 29, 2026
Details
Model Year: 2026-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.59%
72 months
▼
APR4.59%
Term72 months
Last UpdatedJun 26, 2026
Details
10% down
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedJun 16, 2026
Details
As Low As; $60,000 or more if qualified
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.65%
36 Months
▼
APR4.65%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2021
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.69%
Up to 48 Months*
▼
APR4.69%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.69%
78 months
▼
APR4.69%
Term78 months
Last UpdatedJun 26, 2026
Details
10% down
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
4.74%
48 mos
▼
APR4.74%
Term48 mos
Last UpdatedJun 11, 2026
Details
APR* as low as
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
Up To 3-Year Auto Loan
4.74%
3-Year
▼
APR4.74%
Term3-Year
Last UpdatedJun 16, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedJun 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Auto Loans 2019 & Newer
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedJun 27, 2026
Details
As Low As; Loan terms may vary.
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.75%
up to 7 years
▼
APR4.75%
Termup to 7 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.75%
up to 4 years
▼
APR4.75%
Termup to 4 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.75%
36 mos.
▼
APR4.75%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans (Finance 100% of Blue Book Vehicle Value)
4.75%
(1 - 5 yrs. old) up to 54 mos.
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedJun 26, 2026
Details
Add 1% extra for boats; New Molex loans only.
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.75%
6 yr Financing
▼
APR4.75%
Term6 yr Financing
Last UpdatedJun 26, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
Auto Loans
4.75%
37 - 60 months
▼
APR4.75%
Term37 - 60 months
Last UpdatedJun 29, 2026
Details
Model Year: 2026-2025
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; 84 month term on new vehicles only based on credit score.
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2024, 25 & '26 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2024, '25 & '26 Models
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $30,000
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New Auto Loans
4.79%
24-72 months**
▼
APR4.79%
Term24-72 months**
Last UpdatedJun 26, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Auto Loan
4.80%
84 months
▼
APR4.80%
Term84 months
Last UpdatedJun 26, 2026
Details
As Low As; rates starting from
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.89%
Up to 72 Months*
▼
APR4.89%
TermUp to 72 Months*
Last UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.89%
Up to 36 Months*
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 29, 2026
Details
APR*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
Up to 120% of Retail
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (24 months) Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedJun 16, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (36 months) Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 24 months Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 36 months Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (48 months) Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (60 months) Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
2 Rivers Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Vehicle Loan
4.90%
84 months
▼
APR4.90%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Untitled
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
4.99%
60 mos
▼
APR4.99%
Term60 mos
Last UpdatedJun 11, 2026
Details
APR* as low as
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.99%
up to 5 years
▼
APR4.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.99%
up to 5 years
▼
APR4.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Pre-Owned Vehicles Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year: 2022 - 2025
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New & Used Vehicles Loan
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedJun 23, 2026
Details
As Low As
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedJun 26, 2026
Details
Rates are variable and subject to change. APR*
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.99%
90 months
▼
APR4.99%
Term90 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Auto Loans 2019 & Newer
4.99%
37 - 69
▼
APR4.99%
Term37 - 69
Last UpdatedJun 27, 2026
Details
As Low As; Loan terms may vary.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
Auto Loan
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details
New or used auto loan. Rate discount of up to 0.25% available for members meeting qualifying conditions.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer Only
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Automobiles
4.99%
37 to 60 mos.
▼
APR4.99%
Term37 to 60 mos.
Last UpdatedJun 29, 2026
Details
2019 or older add 2% to rate
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 49-63 Months
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 64-75 Months
5.00%
75 Months
▼
APR5.00%
Term75 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
5.00%
72 mos.
▼
APR5.00%
Term72 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2020-21 Models
5.00%
Up to 42 Months
▼
APR5.00%
TermUp to 42 Months
Last UpdatedJun 29, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2022-23 Models
5.00%
Up to 54 Months
▼
APR5.00%
TermUp to 54 Months
Last UpdatedJun 29, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.09%
Up to 60 Months*
▼
APR5.09%
TermUp to 60 Months*
Last UpdatedJun 16, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2024, '25 & '26 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2024, '25 & '26 Models
5.09%
72 Months
▼
APR5.09%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
5.09%
96 months
▼
APR5.09%
Term96 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
▼
APR5.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2023 - 2025*
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2023 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2023 Models
5.14%
60 Months
▼
APR5.14%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $2,500+
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedJun 26, 2026
Details
10% down
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedJun 29, 2026
Details
APR*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
5.24%
66 mos**
▼
APR5.24%
Term66 mos**
Last UpdatedJun 11, 2026
Details
APR* as low as
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Pre-Owned Vehicles Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Model Year: 2022 - 2025
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJun 27, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
New Vehicle Loans
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
5.25%
up to 6 years
▼
APR5.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
5.25%
up to 6 years
▼
APR5.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
5.25%
48 mos.
▼
APR5.25%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
5.29%
Up to 84 Months*
▼
APR5.29%
TermUp to 84 Months*
Last UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.29%
Up to 48 Months*
▼
APR5.29%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
5.29%
84 Months (New purchases only)
▼
APR5.29%
Term84 Months (New purchases only)
Last UpdatedJun 16, 2026
Details
As Low As; 2026 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2026 Models
5.29%
84 Months (New purchases only)
▼
APR5.29%
Term84 Months (New purchases only)
Last UpdatedJun 16, 2026
Details
As Low As
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.29%
78 months
▼
APR5.29%
Term78 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $20,000
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; 2023 Models
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Vehicle Loans 2023 Models
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedJun 23, 2026
Details
Loan Amount: $5,000+
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.39%
84 months
▼
APR5.39%
Term84 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $20,000
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.40%
6 Years
▼
APR5.40%
Term6 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles Loan
5.45%
Max 72 months
▼
APR5.45%
TermMax 72 months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles 2015 - 2017 Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles 2020 & Newer Loan
5.45%
Max 72 months
▼
APR5.45%
TermMax 72 months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
Vehicle Loan
5.49%
72 mos**
▼
APR5.49%
Term72 mos**
Last UpdatedJun 11, 2026
Details
APR* as low as
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
2020-2027 Vehicle Loans
5.49%
24-48 Months
▼
APR5.49%
Term24-48 Months
Last UpdatedJun 16, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.49%
Up to 72 Months*
▼
APR5.49%
TermUp to 72 Months*
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
La Fayette New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
3.00%
36 months
▼
APR3.00%
Term36 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
Ranges between 36 months and 72 months depending on the age of the vehicle
▼
APR3.25%
TermRanges between 36 months and 72 months depending on the age of the vehicle
Last UpdatedJun 16, 2026
Details
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
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.49%
up to 3 years
▼
APR3.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedJun 27, 2026
Details
As Low As; Payment: $29.30 per $1,000
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 0-24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 25-36 Months
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 37-48 Months
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
3.50%
48 months
▼
APR3.50%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
20% Down
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
3.69%
Up to 36 Months*
▼
APR3.69%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
3.74%
0 - 24 months
▼
APR3.74%
Term0 - 24 months
Last UpdatedJun 29, 2026
Details
APR*
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.75%
up to 4 years
▼
APR3.75%
Termup to 4 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Up to retail value
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
3.99%
up to 5 years
▼
APR3.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedJun 16, 2026
Details
Chicago Area Office Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.52%
New Car Loan
3.99%
up to 7 years
▼
APR3.99%
Termup to 7 years
Last UpdatedJun 23, 2026
Details
Special Rates
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 26, 2026
Details
10% down
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 49-63 Months
4.00%
63 Months
▼
APR4.00%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.04%
25 - 36 months
▼
APR4.04%
Term25 - 36 months
Last UpdatedJun 29, 2026
Details
APR*
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.09%
Up to 48 Months*
▼
APR4.09%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
IAA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2025 & Newer 66 Month Auto Loan
4.23%
66 Month
▼
APR4.23%
Term66 Month
Last UpdatedJun 11, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.25%
up to 6 years
▼
APR4.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2025 and newer
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.29%
48 months
▼
APR4.29%
Term48 months
Last UpdatedJun 26, 2026
Details
10% down
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.39%
60 months
▼
APR4.39%
Term60 months
Last UpdatedJun 26, 2026
Details
10% down
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.39%
37 - 48 months
▼
APR4.39%
Term37 - 48 months
Last UpdatedJun 29, 2026
Details
APR*
IAA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
2025 & Newer 72 Month Auto Loan
4.48%
72 Month
▼
APR4.48%
Term72 Month
Last UpdatedJun 11, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.49%
Up to 60 Months*
▼
APR4.49%
TermUp to 60 Months*
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.49%
up to 3 years
▼
APR4.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedJun 16, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.46%
New & Used Vehicle Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
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.
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 24 MONTHS
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 36 MONTHS
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 48 MONTHS
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans New 60 MONTHS
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 16, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 23, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedJun 16, 2026
Details
As Low As; $80,000 or more if qualified
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
New Vehicle Loan 2023 or newer 64-75 Months
4.50%
75 Months
▼
APR4.50%
Term75 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Up to 120% of Retail
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.50%
3 yr Financing
▼
APR4.50%
Term3 yr Financing
Last UpdatedJun 26, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2022-2024
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.59%
72 months
▼
APR4.59%
Term72 months
Last UpdatedJun 26, 2026
Details
10% down
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
New Vehicle Loan
4.65%
36 Months
▼
APR4.65%
Term36 Months
Last UpdatedJun 27, 2026
Details
Vehicle Year 2021
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.69%
78 months
▼
APR4.69%
Term78 months
Last UpdatedJun 26, 2026
Details
10% down
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedJun 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Auto Loans 2019 & Newer
4.74%
Up to 36
▼
APR4.74%
TermUp to 36
Last UpdatedJun 27, 2026
Details
As Low As; Loan terms may vary.
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.75%
up to 7 years
▼
APR4.75%
Termup to 7 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
4.75%
48 months
▼
APR4.75%
Term48 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.75%
6 yr Financing
▼
APR4.75%
Term6 yr Financing
Last UpdatedJun 26, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; 84 month term on new vehicles only based on credit score.
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $30,000
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New Auto Loans
4.79%
24-72 months**
▼
APR4.79%
Term24-72 months**
Last UpdatedJun 26, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
4.89%
Up to 72 Months*
▼
APR4.89%
TermUp to 72 Months*
Last UpdatedJun 16, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 29, 2026
Details
APR*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Cars Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
Up to 120% of Retail
2 Rivers Area Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.29%
New Vehicle Loan
4.90%
84 months
▼
APR4.90%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Untitled
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
4.99%
up to 5 years
▼
APR4.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New & Used Vehicles Loan
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedJun 23, 2026
Details
As Low As
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedJun 26, 2026
Details
Rates are variable and subject to change. APR*
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
4.99%
90 months
▼
APR4.99%
Term90 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Auto Loans 2019 & Newer
4.99%
37 - 69
▼
APR4.99%
Term37 - 69
Last UpdatedJun 27, 2026
Details
As Low As; Loan terms may vary.
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer Only
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedJun 27, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
5.00%
84 months
▼
APR5.00%
Term84 months
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
New Cars, Trucks, Vans Loan
5.09%
96 months
▼
APR5.09%
Term96 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $50,000; Maximum amount financed on New 90 & 96 month term is 90% of MSRP
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedJun 16, 2026
Details
$80,000 or more if qualified
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Vehicle Loan
5.19%
61 - 72 months
▼
APR5.19%
Term61 - 72 months
Last UpdatedJun 29, 2026
Details
APR*
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
New Vehicles Loan
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Model Year: 2026 - 2025
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedJun 27, 2026
Details
As Low As; Model Year: New Auto 2025 + Newer
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
New Vehicle Loans
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Vehicles Loan
5.25%
up to 6 years
▼
APR5.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 700-749
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
New Vehicle Loan
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto
5.29%
Up to 84 Months*
▼
APR5.29%
TermUp to 84 Months*
Last UpdatedJun 16, 2026
Details
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles Loan
5.45%
Max 72 months
▼
APR5.45%
TermMax 72 months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles 2020 & Newer Loan
5.45%
Max 72 months
▼
APR5.45%
TermMax 72 months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
New Vehicle Loan
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
La Fayette Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
3.25%
12 mos.
▼
APR3.25%
Term12 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
Ranges between 36 months and 72 months depending on the age of the vehicle
▼
APR3.25%
TermRanges between 36 months and 72 months depending on the age of the vehicle
Last UpdatedJun 16, 2026
Details
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
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedJun 27, 2026
Details
As Low As; Payment: $29.30 per $1,000
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 0-24 Months
3.50%
24 Months
▼
APR3.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
3.50%
36 mos.
▼
APR3.50%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 25-36 Months
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedJun 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 0-24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 37-48 Months
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.00%
48 mos.
▼
APR4.00%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedJun 16, 2026
Details
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 25-36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
APR as low as
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 29, 2026
Details
All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%.
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.29%
Up to 36 Months*
▼
APR4.29%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.49%
up to 3 years
▼
APR4.49%
Termup to 3 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedJun 16, 2026
Details
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.46%
New & Used Vehicle Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
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.
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans Used 24 MONTHS
4.49%
24 months
▼
APR4.49%
Term24 months
Last UpdatedJun 16, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans Used 36 MONTHS
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJun 23, 2026
Details
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Automobiles
4.49%
12 to 36 mos.
▼
APR4.49%
Term12 to 36 mos.
Last UpdatedJun 29, 2026
Details
2019 or older add 2% to rate
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 37-48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 49-63 Months
4.50%
63 Months
▼
APR4.50%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.50%
60 mos.
▼
APR4.50%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (24 months) Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedJun 16, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 24 months Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (48 months) Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJun 16, 2026
Details
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
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.
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedJun 16, 2026
Details
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.
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.50%
3 yr Financing
▼
APR4.50%
Term3 yr Financing
Last UpdatedJun 26, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedJun 29, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedJun 16, 2026
Details
As Low As; $60,000 or more if qualified
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.69%
Up to 48 Months*
▼
APR4.69%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.75%
up to 4 years
▼
APR4.75%
Termup to 4 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
4.75%
36 mos.
▼
APR4.75%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans (Finance 100% of Blue Book Vehicle Value)
4.75%
(1 - 5 yrs. old) up to 54 mos.
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedJun 26, 2026
Details
Add 1% extra for boats; New Molex loans only.
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
New and Used Vehicles Loan
4.75%
6 yr Financing
▼
APR4.75%
Term6 yr Financing
Last UpdatedJun 26, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
New/Used Cars, Trucks & Vans Loan
4.78%
24-36 Months
▼
APR4.78%
Term24-36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Payment: $656.59 (24 months) to $448.08 (36 months)
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
4.89%
Up to 36 Months*
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (24 months) Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedJun 16, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 (36 months) Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 24 months Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2023 - 2024 36 months Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (36 months) Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (48 months) Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 (60 months) Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJun 16, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Cars: 2025 - 2026 Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedJun 16, 2026
Details
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
4.99%
up to 5 years
▼
APR4.99%
Termup to 5 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Pre-Owned Vehicles Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Model Year: 2022 - 2025
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New & Used Vehicles Loan
4.99%
Up to 66 Months
▼
APR4.99%
TermUp to 66 Months
Last UpdatedJun 23, 2026
Details
As Low As
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedJun 26, 2026
Details
Rates are variable and subject to change. APR*
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Used Automobiles
4.99%
37 to 60 mos.
▼
APR4.99%
Term37 to 60 mos.
Last UpdatedJun 29, 2026
Details
2019 or older add 2% to rate
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2019-2020 49-63 Months
5.00%
63 Months
▼
APR5.00%
Term63 Months
Last UpdatedJun 16, 2026
Details
APR as low as
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Used Vehicle Loan 2022-2021 64-75 Months
5.00%
75 Months
▼
APR5.00%
Term75 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
5.00%
72 mos.
▼
APR5.00%
Term72 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: A 700 & Up
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2020-21 Models
5.00%
Up to 42 Months
▼
APR5.00%
TermUp to 42 Months
Last UpdatedJun 29, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Autos - 2022-23 Models
5.00%
Up to 54 Months
▼
APR5.00%
TermUp to 54 Months
Last UpdatedJun 29, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.09%
Up to 60 Months*
▼
APR5.09%
TermUp to 60 Months*
Last UpdatedJun 16, 2026
Details
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedJun 26, 2026
Details
10% down
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
Pre-Owned Vehicles Loan
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Model Year: 2022 - 2025
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicles 2025-2015 Loan
5.25%
up to 6 years
▼
APR5.25%
Termup to 6 years
Last UpdatedJun 16, 2026
Details
Credit Score: 750 plus
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
Used Vehicle Loan
5.25%
48 mos.
▼
APR5.25%
Term48 mos.
Last UpdatedJun 16, 2026
Details
Credit Score: C 550-624
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.29%
Up to 48 Months*
▼
APR5.29%
TermUp to 48 Months*
Last UpdatedJun 16, 2026
Details
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.29%
78 months
▼
APR5.29%
Term78 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $20,000
Galesburg Burlington Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Used Cars, Trucks, Vans Loan
5.39%
84 months
▼
APR5.39%
Term84 months
Last UpdatedJun 26, 2026
Details
10% down; Minimum loan requirement of $20,000
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicle Loan** (S2)
5.40%
6 Years
▼
APR5.40%
Term6 Years
Last UpdatedJun 16, 2026
Details
$60,000 or more if qualified
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles 2015 - 2017 Loan
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles 2020 & Newer Loan
5.45%
Max 72 months
▼
APR5.45%
TermMax 72 months
Last UpdatedJun 16, 2026
Details
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.88%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
Used Vehicle Loan
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedJun 16, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto
5.49%
Up to 72 Months*
▼
APR5.49%
TermUp to 72 Months*
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
La Fayette, IL Auto Loan Rate Trends
Compare local La Fayette, 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.
New Auto Loan — IL Avg
5.328%
▼ 0.177 vs 7 days ago
Illinois new auto rates fell 0.177 points over the past 7 days to 5.328% APR.
Used Auto Loan — IL Avg
6.263%
▲ 0.025 vs 7 days ago
Illinois used auto rates rose 0.025 points over the past 7 days to 6.263% APR.
As of Jul 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our La Fayette, 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 La Fayette, 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 La Fayette, 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 La Fayette, Illinois
How does my credit score affect my car loan rate in Illinois?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in La Fayette, Illinois with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Illinois *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in La Fayette, Illinois typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in La Fayette, Illinois?
Based on our current data, some of the lowest auto loan rates available in La Fayette, Illinois include:
- 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)
- Tee Pak Credit Union: 3.49% (New Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in La Fayette, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 29, 2026
La Fayette, Illinois Rates & Resources
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