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  9. Auto Loan Rate Trends

Lindenwood, Illinois Best Auto Loan Rates - October 2026

Lindenwood, Illinois auto loan rates from lenders serving Illinois range from 2.50% to 4.50% APR, verified by MonitorBankRates as of October 23, 2026. Current auto loan rates in Lindenwood, Illinois include CTA 74th Street Depot Federal Credit UnionCTA 74th Street Depot Federal Credit UnionA5.0 ★Texas Ratio: 11.54%Rate verified Oct 23, 2026 offering New Auto Loan at 2.50%, Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit UnionA+5.0 ★Texas Ratio: 1.64%Rate verified Oct 23, 2026 offering New Auto Loan - 1 year at 2.99%, Chicago Firefighters Credit UnionChicago Firefighters Credit UnionA+5.0 ★Texas Ratio: 0.28%Rate verified Oct 19, 2026 offering New Vehicle Auto or Truck at 3.00%, Canals And Trails Credit UnionCanals And Trails Credit UnionA+5.0 ★Texas Ratio: 0.47%Rate verified Oct 19, 2026 offering New Auto Loan at 3.00%, Western Springs Federal Credit UnionWestern Springs Federal Credit UnionA+5.0 ★Texas Ratio: 0.98%Rate verified Oct 23, 2026 offering New Car Loan at 3.25%. Auto loan rates as of October 23, 2026 according to verified data from MonitorBankRates.

Lindenwood borrowers have access to 61 lenders serving the Illinois area, with auto loan rates as low as 2.50% APR from CTA 74th Street Depot Federal 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 Lindenwood, Illinois. Auto Loan Rates Last Updated and Verified: October 23, 2026

Compare Auto Loan Rates Today in Lindenwood, Illinois & Surrounding Area

Lindenwood Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APROct 8, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
2.75%
36 months
▼
APR2.75%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 2.75% APR · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APROct 15, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 1 year
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 2 years
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 3 years
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 4 years
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.00%
48 months
▼
APR3.00%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APROct 8, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.00%
36 months
▼
APR3.00%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Score: B: 625 - 699 (Max $50,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 8, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APROct 8, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.00%
36 months
▼
APR3.00%
Interest Rate3.00%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.00% APR
2.50%3.00%3.50%Oct 19, 2026: 3.00% APROct 19, 2026Oct 25, 2026
Canals And Trails Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto Loan
3.00%
36-month
▼
APR3.00%
Term36-month
Last UpdatedOct 19, 2026
Details

As Low As; Featured new auto loan; Rates as low as 3.00% APR on qualifying 36-month 2025-2026 vehicle loans

Rate History
No change since Sep 27, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APRSep 27, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.25%
60 months
▼
APR3.25%
Term60 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APROct 8, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
3.25%
48 months
▼
APR3.25%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 3.25% APR · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APROct 15, 2026Oct 25, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Car Loan
3.25%
48 or 60 months
▼
APR3.25%
Term48 or 60 months
Last UpdatedOct 23, 2026
Details

Auto Loans Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 11 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New and Used Auto Loans
3.25%
36 months
▼
APR3.25%
Term36 months
Last UpdatedOct 19, 2026
Details

Term: 36 months to 72 months; APR range: 3.251% - 16.001%; Finances up to 90% of Kelley's Blue Book value; Vehicle must be less than 7 years old; Up to $40K for new car or $35K for used car; Application fee: $20.00; Term depends on vehicle age; Requires $50.00 deposit balance

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
Vehicle Loan
3.32%
Up to 60 months
▼
APR3.32%
TermUp to 60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 19, 2026 · 3.32% APR
2.82%3.32%3.82%Oct 19, 2026: 3.32% APROct 19, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 9 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.45%
72 months
▼
APR3.45%
Term72 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.45% APR · checked 3 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APROct 8, 2026Oct 25, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Same year or following year & never before titled
3.49%
1 months
▼
APR3.49%
Term1 months
Last UpdatedOct 23, 2026
Details

Term: 1-72 month finance period; Vehicle Interest Rates

Rate History
No change since Oct 13, 2026 · 3.49% APR · checked 2 times
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.49%
up to 3 years
▼
APR3.49%
Interest Rate3.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.49% → 3.49% ▼ 1.00 pts · high 13.99% / low 3.49%
0.00%12.25%24.49%Sep 14, 2026: 4.49% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.49%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As; Effective Date: November 7, 2025

Rate History
No change since Oct 10, 2026 · 3.49% APR · checked 3 times
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 3.50% APR · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APROct 15, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 5 years
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 11 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
0-24 Months
▼
APR3.50%
Term0-24 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
25-36 Months
▼
APR3.50%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
37-48 Months
▼
APR3.50%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.50%
48 months
▼
APR3.50%
Interest Rate3.50%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - 20% Down
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 22, 2026: 3.50% APROct 22, 2026Oct 25, 2026
Central Illinois Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.85%
Vehicles, Motorcycles, Boats, Trailers and RVs Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Auto Loan - 2-Year
3.74%
2-Year
▼
APR3.74%
Term2-Year
Last UpdatedOct 23, 2026
Details

New & Used vehicles; Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 5 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 9 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Auto Loan
3.74%
60 Months
▼
APR3.74%
Term60 Months
Last UpdatedOct 19, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; APR subject to credit approval and may vary by loan length, credit score, and collateral value

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 4 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.75%
up to 4 years
▼
APR3.75%
Interest Rate3.75%
Termup to 4 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 13.99% / low 3.75%
0.00%12.12%24.23%Sep 14, 2026: 3.75% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.75% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - New
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2023-2026; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
49-63 Months
▼
APR3.75%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
37-48 Months
▼
APR3.75%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 25, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
Vehicle Loan
3.77%
Up to 48 months
▼
APR3.77%
TermUp to 48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 & Older; Additional 1.25% for autos 2017-2019; Additional 2.50% for autos 2016 and older

Rate History
No change since Oct 19, 2026 · 3.77% APR
3.27%3.77%4.27%Oct 19, 2026: 3.77% APROct 19, 2026Oct 25, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
Vehicle Loan
3.82%
61-75 months
▼
APR3.82%
Term61-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 19, 2026 · 3.82% APR
3.32%3.82%4.32%Oct 19, 2026: 3.82% APROct 19, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 9 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
3.84%
0 - 36 Months
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer; Auto Loans

Rate History
1 change since Sep 22, 2026 · 3.64% → 3.84% ▲ 0.20 pts · high 3.84% / low 3.64%
3.14%3.74%4.34%Sep 22, 2026: 3.64% APROct 14, 2026: 3.84% APRSep 22, 2026Oct 25, 2026
  • Oct 14, 20263.84%▲ from 3.64%
  • Sep 22, 20263.64%first recorded
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to retail value; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - 20% Down
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - Up to retail value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

Model Years: 2025 - 2026; Loan Basis: NADA Trade-in Value

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
New Car Loan
3.99%
Up to 7 years
▼
APR3.99%
TermUp to 7 years
Last UpdatedOct 23, 2026
Details

Best Rate; Special auto rate for new cars from the current year; Rates effective as of 12/01/2023

Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

Cars, Motorcycles or ATVs; Add 1% extra for boats; No down payment required; New Molex loans only

Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Ministry New Auto Loan - 36 mo.
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: 2025 & Newer

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto Loan - 36 mo.
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: 2025 & Newer; Rates 0.25% higher without automatic payment option

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: New & Previous Model Year (2025 & 2026); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: Used (2016 - 2024); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.99%
up to 5 years
▼
APR3.99%
Interest Rate3.99%
Termup to 5 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 13.99% / low 3.99%
0.00%12.00%23.99%Sep 14, 2026: 4.99% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.99%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Off Road Vehicle (Boats, ATVs, UTV, Dirt Bikes) - NEW (2023-2026) Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Type: NEW (2023-2026); Rates effective as of 10/1/2026; APR

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Off Road Vehicle (Boats, ATVs, UTV, Dirt Bikes) Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Type: NEW (2023-2026)

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedOct 19, 2026
Details

As Low As; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Financial Partners Credit Union Illinois
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
Auto Loan
3.99%
Up to 72 months
▼
APR3.99%
Interest Rate3.99%
TermUp to 72 months
Last UpdatedOct 22, 2026
Details

As Low As; Interest rate range 3.99% to 14.99% (APR range 3.99% to 14.99%) based on credit score; maximum term 72 months; vehicles 5 years and older add 2.00% to each tier; rates are subject to change; new, used, and refinance auto loans

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Auto Loan
3.99%
72 Months
▼
APR3.99%
Term72 Months
Last UpdatedOct 19, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; APR subject to credit approval and may vary by loan length, credit score, and collateral value

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Streator Onized Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Vehicle Loan - 2024
3.99%
1-48 Months
▼
APR3.99%
Term1-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024

Rate History
1 change since Oct 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Oct 14, 2026: 4.99% APROct 19, 2026: 3.99% APROct 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.99%
  • Oct 14, 20264.99%first recorded
Streator Onized Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Vehicle Loan - 2025 & Newer
3.99%
1-48 Months
▼
APR3.99%
Term1-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer

Rate History
1 change since Oct 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Oct 14, 2026: 4.99% APROct 19, 2026: 3.99% APROct 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.99%
  • Oct 14, 20264.99%first recorded
Streator Onized Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Vehicle Purchase Special Loan
3.99%
Up to 48 months
▼
APR3.99%
TermUp to 48 months
Last UpdatedOct 19, 2026
Details

As Low As; Limited time offer; applies to 2024 and newer purchases; additional .50% APR discounts available for Auto Withdrawal and SOCU primary checking account; subject to credit approval

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Vehicle Loan
3.99%
24 months
▼
APR3.99%
Term24 months
Last UpdatedOct 19, 2026
Details

As Low As; Rates and financing offered based on applicant's credit qualifications and verification of collateral. Repayment terms may be based on loan amount and model year of vehicle.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 4.74% / low 3.99%
3.24%4.37%5.49%Sep 14, 2026: 3.99% APROct 14, 2026: 4.74% APROct 19, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 4.74% / low 3.99%
3.24%4.37%5.49%Sep 14, 2026: 3.99% APROct 14, 2026: 4.74% APROct 19, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Vehicle Loan - 0 - 24 months
3.99%
0-24 months
▼
APR3.99%
Term0-24 months
Last UpdatedOct 19, 2026
Details

Used Vehicles (2025, 2024, 2023, 2022, 2021, 2020); includes auto, truck, recreation vehicles, motorcycles; Rates range 3.99% - 15.04% APR; Rates effective as of 9/18/2026; Line of Credit: n/a

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Score: B: 625 - 699 (Max $50,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 8, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APROct 8, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
4.00%
72 months
▼
APR4.00%
Term72 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APROct 15, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Grade: B: 625 - 699 (Max $45,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APROct 15, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.00%
3 Years (36 Months)
▼
APR4.00%
Interest Rate4.00%
Term3 Years (36 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.00%
25-36 Months
▼
APR4.00%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.00%
48 months
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.00%
48 months
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedOct 22, 2026
Details

As Low As; Rates vary by FICO credit score; $15.00 loan application fee applies

Rate History
No change since Oct 22, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 22, 2026: 4.00% APROct 22, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 25, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Complete Auto Loan
4.00%
3 Years
▼
APR4.00%
Term3 Years
Last UpdatedOct 19, 2026
Details

Credit Score: 725+; Model Year: 2026-2024; All rates shown are APR

Rate History
No change since Oct 13, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 25, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
Vehicle Loans
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Years 2024-2026; APR; Rates are 'As Low As For Well Qualified Borrowers'; based on credit score/history and term

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APROct 9, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Vehicle Loan
4.00%
up to 60 months
▼
APR4.00%
Termup to 60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer; *add .75% if member does not have a Visa or direct deposit

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Central Illinois Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.85%
Vehicles, Motorcycles, Boats, Trailers and RVs Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; Loan value over $15,000

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (2025, 2026, 2027)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; based on FICO score

Rate History
No change since Sep 22, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APRSep 22, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 19, 2026
Details

Loan rates can be as low as the following, based on FICO score

Rate History
No change since Oct 13, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 25, 2026
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Autos, Trucks and Motorcycles - 2027-2026
4.00%
up to 36 Months
▼
APR4.00%
Termup to 36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2027-2026; Pmt/$1,000: $29.52; Rates based on A+ credit discount (credit score >740) and Multiple Service discount (active checking account with direct deposit)

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
4.04%
Up to 48 Months
▼
APR4.04%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
1 change since Sep 14, 2026 · 4.14% → 4.04% ▼ 0.10 pts · high 4.14% / low 4.04%
3.54%4.09%4.64%Sep 14, 2026: 4.14% APROct 5, 2026: 4.04% APRSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.04%▼ from 4.14%
  • Sep 14, 20264.14%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 4.09% APR
3.59%4.09%4.59%Oct 20, 2026: 4.09% APROct 20, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 9 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 25, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loans
4.14%
27 Months
▼
APR4.14%
Term27 Months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Years: 2024, '25, '26 & '27 Models

Rate History
No change since Sep 21, 2026 · 4.14% APR · checked 5 times
3.64%4.14%4.64%Sep 21, 2026: 4.14% APRSep 21, 2026Oct 25, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loans
4.14%
39 Months
▼
APR4.14%
Term39 Months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Years: 2024, '25, '26 & '27 Models

Rate History
No change since Sep 21, 2026 · 4.14% APR · checked 5 times
3.64%4.14%4.64%Sep 21, 2026: 4.14% APRSep 21, 2026Oct 25, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Vehicle Loans
4.14%
51 Months
▼
APR4.14%
Term51 Months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Years: 2024, '25, '26 & '27 Models

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 8 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 48 Months
4.18%
48 Months
▼
APR4.18%
Term48 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 4.18% APR
3.68%4.18%4.68%Oct 22, 2026: 4.18% APROct 22, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Auto Loan
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount

Rate History
No change since Oct 22, 2026 · 4.18% APR
3.68%4.18%4.68%Oct 22, 2026: 4.18% APROct 22, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 4.18% APR
3.68%4.18%4.68%Oct 19, 2026: 4.18% APROct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.19%
up to 36 months
▼
APR4.19%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 20, 2026: 4.19% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.19%
12-36 Months
▼
APR4.19%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 3.89% → 4.19% ▲ 0.30 pts · high 4.19% / low 3.89%
3.39%4.04%4.69%Sep 30, 2026: 3.89% APROct 20, 2026: 4.19% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.19%▲ from 3.89%
  • Sep 30, 20263.89%first recorded
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Vehicle Loan
4.20%
Up to 36 Months
▼
APR4.20%
Interest Rate4.20%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026

Rate History
No change since Oct 23, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 23, 2026: 4.20% APROct 23, 2026Oct 25, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Vehicle Loan
4.20%
Up to 48 Months
▼
APR4.20%
Interest Rate4.20%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

Credit Score Grade: A+; Credit Score Range: 760+; Fully Pledged Loan; Loan Rates as of June 19, 2026

Rate History
No change since Oct 23, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 23, 2026: 4.20% APROct 23, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.20%
4 Years (48 Months)
▼
APR4.20%
Interest Rate4.20%
Term4 Years (48 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 19, 2026: 4.20% APROct 19, 2026Oct 25, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Auto Loan - 3-Year
4.24%
3-Year
▼
APR4.24%
Term3-Year
Last UpdatedOct 23, 2026
Details

New & Used vehicles; Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 5 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
▼
APR4.24%
Term64-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: New & Previous Model Year (2025 & 2026); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
▼
APR4.24%
Term64-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: Used (2016 - 2024); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 25, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Auto Loan
4.24%
60 Months
▼
APR4.24%
Term60 Months
Last UpdatedOct 19, 2026
Details

Vehicle Year: 2021 - 2022; APR subject to credit approval and may vary by loan length, credit score, and collateral value

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Vehicles Loan
4.24%
66 months
▼
APR4.24%
Term66 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 & Newer; Annual Percentage Rate. Discounts applied. Based on exceptional credit rating and LTV less than 110%

Rate History
No change since Oct 19, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 19, 2026: 4.24% APROct 19, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APROct 14, 2026: 4.74% APROct 19, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.24%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APROct 14, 2026: 4.74% APROct 19, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.24%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%

Rate History
No change since Oct 10, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 25, 2026
Raritan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.02%
Vehicle Loan
4.25%
6-year
▼
APR4.25%
Interest Rate4.25%
Term6-year
Last UpdatedOct 22, 2026
Details

Vehicle Age: NEW

Rate History
No change since Oct 22, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 22, 2026: 4.25% APROct 22, 2026Oct 25, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Car Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedOct 23, 2026
Details

Auto Loans Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 11 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 23, 2026
Details

Prime rate; individual rates may vary based on credit score. Auto loan rate, APR.

Rate History
No change since Oct 13, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 23, 2026
Details

Prime rate; individual rates may vary based on credit score. Auto loan rate, APR.

Rate History
No change since Oct 13, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
4.25%
up to 6 years
▼
APR4.25%
Interest Rate4.25%
Termup to 6 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
1 change since Sep 14, 2026 · 14.99% → 4.25% ▼ 10.74 pts · high 14.99% / low 4.25%
0.00%12.87%25.73%Sep 14, 2026: 14.99% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▼ from 14.99%
  • Sep 14, 202614.99%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - New
4.25%
Up to 72 Months
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2023-2026; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - Used
4.25%
Up to 60 Months
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2019-2022; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
64-75 Months
▼
APR4.25%
Term64-75 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
49-63 Months
▼
APR4.25%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.25%
36 months
▼
APR4.25%
Interest Rate4.25%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: C 550-624; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Acme Continental Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Vehicle Loan
4.25%
60 months
▼
APR4.25%
Term60 months
Last UpdatedOct 22, 2026
Details

As Low As; Rates vary by FICO credit score; $15.00 loan application fee applies

Rate History
No change since Oct 22, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 22, 2026: 4.25% APROct 22, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2024 - 2023)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; based on FICO score

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; Loan rates based on FICO score on credit report; Maximum Term 72 Months

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 25, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedOct 19, 2026
Details

As Low As; Rates effective as of 10/11/2024; Rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
Vehicle Loan
4.27%
49-75 months
▼
APR4.27%
Term49-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2024 & Older; Additional 1.25% for autos 2017-2019; Additional 2.50% for autos 2016 and older

Rate History
No change since Oct 19, 2026 · 4.27% APR
3.77%4.27%4.77%Oct 19, 2026: 4.27% APROct 19, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.30%
5 Years (60 Months)
▼
APR4.30%
Interest Rate4.30%
Term5 Years (60 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.30% APR
3.80%4.30%4.80%Oct 19, 2026: 4.30% APROct 19, 2026Oct 25, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
Vehicle Loan
4.32%
76-79 months
▼
APR4.32%
Term76-79 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 19, 2026 · 4.32% APR
3.82%4.32%4.82%Oct 19, 2026: 4.32% APROct 19, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loan
4.34%
37 - 75 Months
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer; Auto Loans

Rate History
1 change since Sep 22, 2026 · 4.14% → 4.34% ▲ 0.20 pts · high 4.34% / low 4.14%
3.64%4.24%4.84%Sep 22, 2026: 4.14% APROct 14, 2026: 4.34% APRSep 22, 2026Oct 25, 2026
  • Oct 14, 20264.34%▲ from 4.14%
  • Sep 22, 20264.14%first recorded
Gale Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
Spooktacular Auto Loan Rate
4.35%
up to 69 months
▼
APR4.35%
Termup to 69 months
Last UpdatedOct 19, 2026
Details

Model Year: 2023 & newer

Rate History
No change since Oct 19, 2026 · 4.35% APR
3.85%4.35%4.85%Oct 19, 2026: 4.35% APROct 19, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 60 Months
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 22, 2026: 4.39% APROct 22, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Auto Loan
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer; Rates shown include a 0.25% Relationship Discount for qualified borrowers; $5,000 minimum loan amount

Rate History
No change since Oct 22, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 22, 2026: 4.39% APROct 22, 2026Oct 25, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Vehicles Loan
4.39%
60 months
▼
APR4.39%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 - 2022; Annual Percentage Rate. Discounts applied. Based on exceptional credit rating and LTV less than 110%

Rate History
No change since Oct 19, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 19, 2026: 4.39% APROct 19, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 19, 2026: 4.39% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
2 Years
▼
APR4.40%
Term2 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
3 Years
▼
APR4.40%
Term3 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
4 Years
▼
APR4.40%
Term4 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
5 Years
▼
APR4.40%
Term5 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
6 Years
▼
APR4.40%
Term6 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Auto Loan
4.40%
Up to 72 months
▼
APR4.40%
TermUp to 72 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle: 2024 and Newer; Loan-to-Value: 100%; Rate received is based on personal credit rating; Rates reflect auto pay discount; Auto loan rates do not include motorcycles and RVs

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
4.44%
Up to 60 Months
▼
APR4.44%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.44% ▼ 0.10 pts · high 4.54% / low 4.44%
3.94%4.49%5.04%Sep 14, 2026: 4.54% APROct 5, 2026: 4.44% APRSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.44%▼ from 4.54%
  • Sep 14, 20264.54%first recorded
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Vehicle Loan - 25 - 36 months
4.44%
25-36 months
▼
APR4.44%
Term25-36 months
Last UpdatedOct 19, 2026
Details

Used Vehicles (2025, 2024, 2023, 2022, 2021, 2020); includes auto, truck, recreation vehicles, motorcycles; Rates range 4.44% - 15.44% APR; Rates effective as of 9/18/2026; Line of Credit: n/a

Rate History
No change since Oct 19, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 19, 2026: 4.44% APROct 19, 2026Oct 25, 2026
Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
Auto Loan
4.49%
0-60 Months
▼
APR4.49%
Term0-60 Months
Last UpdatedOct 20, 2026
Details

Model Year: 2025 and Newer; Loan Type: With Auto Buying Service (includes 0.50% APR discount for CCU Car Buying Service); Rates effective October 12, 2026

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 25, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $1,000

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $20,001

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used-all other vehicles
4.49%
1 months
▼
APR4.49%
Term1 months
Last UpdatedOct 23, 2026
Details

Term: 1-72 month finance period; Vehicle Interest Rates

Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 25, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
Auto Loan - 4-Year
4.49%
4-Year
▼
APR4.49%
Term4-Year
Last UpdatedOct 23, 2026
Details

New & Used vehicles; Rates shown offered to members meeting select credit criteria, including -.25% discount for Autopay

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 11 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
4.49%
up to 3 years
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 700-749

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 13.99% / low 4.49%
0.00%11.75%23.49%Sep 14, 2026: 4.49% APRSep 18, 2026: 13.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.49%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Vehicles 2025-2015
4.49%
up to 3 years
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 5.49% → 4.49% ▼ 1.00 pts · high 14.99% / low 4.49%
0.00%12.75%25.49%Sep 14, 2026: 5.49% APRSep 18, 2026: 14.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.49%▼ from 14.99%
  • Sep 18, 202614.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Minimum Loan Amount: $10,000; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Auto Loans - New Vehicles
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026 - 2025

Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
60 months
▼
APR4.49%
Interest Rate4.49%
Term60 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedOct 19, 2026
Details

Used Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedOct 19, 2026
Details

Used Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
Auto Loan
4.49%
51 months
▼
APR4.49%
Term51 months
Last UpdatedOct 19, 2026
Details

Model Year: 2024 - Newer

Rate History
1 change since Sep 18, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 18, 2026: 3.99% APROct 13, 2026: 4.49% APRSep 18, 2026Oct 25, 2026
  • Oct 13, 20264.49%▲ from 3.99%
  • Sep 18, 20263.99%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2026-2025; Pmt Per $1,000 $18.64; Effective Date: Sunday, October 18th, 2026; *APR=Annual Percentage Rate. Examples shown illustrate best rates.

Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 25, 2026
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Vehicle Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As; Rates and financing offered based on applicant's credit qualifications and verification of collateral. Repayment terms may be based on loan amount and model year of vehicle.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 5.99% / low 4.49%
2.99%5.24%7.49%Sep 14, 2026: 4.49% APROct 14, 2026: 5.99% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 5.99%
  • Oct 14, 20265.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Used Automobiles
4.49%
12 to 36 months
▼
APR4.49%
Term12 to 36 months
Last UpdatedOct 19, 2026
Details

APR range 4.49% - 14.49%; 2019 or older add 2% to rate; Rates based on primary applicant's personal credit history; Offer not valid on refinancing existing Abri auto loans

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%

Rate History
No change since Oct 10, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 25, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Vehicle Loan
4.50%
Up to 36 Months
▼
APR4.50%
Interest Rate4.50%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

Credit Score Grade: B; Credit Score Range: 660-699; Fully Pledged Loan; Loan Rates as of June 19, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Vehicle Loan
4.50%
Up to 48 Months
▼
APR4.50%
Interest Rate4.50%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

Credit Score Grade: A; Credit Score Range: 700-759; Fully Pledged Loan; Loan Rates as of June 19, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
Vehicle Loan
4.50%
Up to 60 Months
▼
APR4.50%
Interest Rate4.50%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

Credit Score Grade: A+; Credit Score Range: 760+; Fully Pledged Loan; Loan Rates as of June 19, 2026

Rate History
No change since Oct 23, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 23, 2026: 4.50% APROct 23, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 11 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - 2025 or Newer
4.50%
Up to 60 Months
▼
APR4.50%
Interest Rate4.50%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

Credit Score: 760+; Vehicle Year: 2025 or Newer

Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.50%
6 Years (72 Months)
▼
APR4.50%
Interest Rate4.50%
Term6 Years (72 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Elite Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
2026-2025 Untitled Vehicles Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026-2025 Untitled Vehicles; Rates effective 03/01/2025

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 8 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.50%
72 months
▼
APR4.50%
Interest Rate4.50%
Term72 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 22, 2026
Details

Qualifier: NADA trade-in value

Rate History
No change since Oct 13, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to 120% of Retail; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to retail value; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026

Lindenwood New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APROct 8, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 1 year
2.99%
1 year
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 2 years
2.99%
2 years
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 3 years
2.99%
3 years
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 4 years
2.99%
4 years
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 2.990%; APR as low as 2.990%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.00%
48 months
▼
APR3.00%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APROct 8, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.00%
36 months
▼
APR3.00%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Score: B: 625 - 699 (Max $50,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 8, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Oct 8, 2026: 3.00% APROct 8, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.00%
36 months
▼
APR3.00%
Interest Rate3.00%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.00% APR
2.50%3.00%3.50%Oct 19, 2026: 3.00% APROct 19, 2026Oct 25, 2026
Canals And Trails Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
New Auto Loan
3.00%
36-month
▼
APR3.00%
Term36-month
Last UpdatedOct 19, 2026
Details

As Low As; Featured new auto loan; Rates as low as 3.00% APR on qualifying 36-month 2025-2026 vehicle loans

Rate History
No change since Sep 27, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APRSep 27, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.25%
60 months
▼
APR3.25%
Term60 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.25% APR · checked 3 times
2.75%3.25%3.75%Oct 8, 2026: 3.25% APROct 8, 2026Oct 25, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Car Loan
3.25%
48 or 60 months
▼
APR3.25%
Term48 or 60 months
Last UpdatedOct 23, 2026
Details

Auto Loans Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 11 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New and Used Auto Loans
3.25%
36 months
▼
APR3.25%
Term36 months
Last UpdatedOct 19, 2026
Details

Term: 36 months to 72 months; APR range: 3.251% - 16.001%; Finances up to 90% of Kelley's Blue Book value; Vehicle must be less than 7 years old; Up to $40K for new car or $35K for used car; Application fee: $20.00; Term depends on vehicle age; Requires $50.00 deposit balance

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 9 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
3.45%
72 months
▼
APR3.45%
Term72 months
Last UpdatedOct 23, 2026
Details

Credit Score: A: 700 and Up (Max $60,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 8, 2026 · 3.45% APR · checked 3 times
2.95%3.45%3.95%Oct 8, 2026: 3.45% APROct 8, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.49%
up to 3 years
▼
APR3.49%
Interest Rate3.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.49% → 3.49% ▼ 1.00 pts · high 13.99% / low 3.49%
0.00%12.25%24.49%Sep 14, 2026: 4.49% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.49%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As; Effective Date: November 7, 2025

Rate History
No change since Oct 10, 2026 · 3.49% APR · checked 3 times
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
New Auto Loan - 5 years
3.50%
5 years
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 23, 2026
Details

As Low As; Rate as low as 3.500%; APR as low as 3.500%; The above rates apply with automatic payment from the PSFCU Checking Account; rates are 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 11 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
0-24 Months
▼
APR3.50%
Term0-24 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
25-36 Months
▼
APR3.50%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
37-48 Months
▼
APR3.50%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.50%
48 months
▼
APR3.50%
Interest Rate3.50%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - 20% Down
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 22, 2026: 3.50% APROct 22, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 9 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.75%
up to 4 years
▼
APR3.75%
Interest Rate3.75%
Termup to 4 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 13.99% / low 3.75%
0.00%12.12%24.23%Sep 14, 2026: 3.75% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.75% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.75%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - New
3.75%
Up to 60 Months
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2023-2026; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
49-63 Months
▼
APR3.75%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
37-48 Months
▼
APR3.75%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to retail value; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - 20% Down
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Loan - Up to retail value
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

New Cars (rates as of 03/18/2026)

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
New Car Loan
3.99%
Up to 7 years
▼
APR3.99%
TermUp to 7 years
Last UpdatedOct 23, 2026
Details

Best Rate; Special auto rate for new cars from the current year; Rates effective as of 12/01/2023

Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 25, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 23, 2026
Details

Cars, Motorcycles or ATVs; Add 1% extra for boats; No down payment required; New Molex loans only

Rate History
No change since Oct 13, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Ministry New Auto Loan - 36 mo.
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: 2025 & Newer

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto Loan - 36 mo.
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedOct 22, 2026
Details

As Low As; Model Year: 2025 & Newer; Rates 0.25% higher without automatic payment option

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: New & Previous Model Year (2025 & 2026); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
3.99%
up to 5 years
▼
APR3.99%
Interest Rate3.99%
Termup to 5 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 13.99% / low 3.99%
0.00%12.00%23.99%Sep 14, 2026: 4.99% APRSep 18, 2026: 13.99% APROct 9, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20263.99%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Off Road Vehicle (Boats, ATVs, UTV, Dirt Bikes) - NEW (2023-2026) Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Type: NEW (2023-2026); Rates effective as of 10/1/2026; APR

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedOct 19, 2026
Details

As Low As; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 22, 2026: 3.99% APROct 22, 2026Oct 25, 2026
Streator Onized Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Vehicle Loan - 2025 & Newer
3.99%
1-48 Months
▼
APR3.99%
Term1-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer

Rate History
1 change since Oct 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Oct 14, 2026: 4.99% APROct 19, 2026: 3.99% APROct 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.99%
  • Oct 14, 20264.99%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
3.99%
36 Months
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 4.74% / low 3.99%
3.24%4.37%5.49%Sep 14, 2026: 3.99% APROct 14, 2026: 4.74% APROct 19, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 4.74% / low 3.99%
3.24%4.37%5.49%Sep 14, 2026: 3.99% APROct 14, 2026: 4.74% APROct 19, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20263.99%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Score: B: 625 - 699 (Max $50,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 8, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Oct 8, 2026: 4.00% APROct 8, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.00%
3 Years (36 Months)
▼
APR4.00%
Interest Rate4.00%
Term3 Years (36 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.00%
25-36 Months
▼
APR4.00%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.00%
48 months
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New Vehicle Loan
4.00%
up to 60 months
▼
APR4.00%
Termup to 60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025 & Newer; *add .75% if member does not have a Visa or direct deposit

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (2025, 2026, 2027)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; based on FICO score

Rate History
No change since Sep 22, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APRSep 22, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedOct 19, 2026
Details

Loan rates can be as low as the following, based on FICO score

Rate History
No change since Oct 13, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
4.04%
Up to 48 Months
▼
APR4.04%
TermUp to 48 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
1 change since Sep 14, 2026 · 4.14% → 4.04% ▼ 0.10 pts · high 4.14% / low 4.04%
3.54%4.09%4.64%Sep 14, 2026: 4.14% APROct 5, 2026: 4.04% APRSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.04%▼ from 4.14%
  • Sep 14, 20264.14%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Business Vehicle Loan - New Business Vehicle
4.09%
Up to 36 months
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles

Rate History
No change since Oct 20, 2026 · 4.09% APR
3.59%4.09%4.59%Oct 20, 2026: 4.09% APROct 20, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New Auto Loan
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 9 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 48 Months
4.18%
48 Months
▼
APR4.18%
Term48 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 4.18% APR
3.68%4.18%4.68%Oct 22, 2026: 4.18% APROct 22, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
4.18%
48 Months
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 4.18% APR
3.68%4.18%4.68%Oct 19, 2026: 4.18% APROct 19, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Auto Loan - New Vehicle
4.19%
up to 36 months
▼
APR4.19%
Termup to 36 months
Last UpdatedOct 20, 2026
Details

As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET

Rate History
No change since Oct 20, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 20, 2026: 4.19% APROct 20, 2026Oct 25, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.19%
12-36 Months
▼
APR4.19%
Term12-36 Months
Last UpdatedOct 20, 2026
Details

As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET

Rate History
1 change since Sep 30, 2026 · 3.89% → 4.19% ▲ 0.30 pts · high 4.19% / low 3.89%
3.39%4.04%4.69%Sep 30, 2026: 3.89% APROct 20, 2026: 4.19% APRSep 30, 2026Oct 25, 2026
  • Oct 20, 20264.19%▲ from 3.89%
  • Sep 30, 20263.89%first recorded
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.20%
4 Years (48 Months)
▼
APR4.20%
Interest Rate4.20%
Term4 Years (48 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 19, 2026: 4.20% APROct 19, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
▼
APR4.24%
Term64-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: New & Previous Model Year (2025 & 2026); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 25, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.24%
60 months
▼
APR4.24%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APROct 14, 2026: 4.74% APROct 19, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.24%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.24%
72 months
▼
APR4.24%
Term72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.24% ▼ 0.00 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APROct 14, 2026: 4.74% APROct 19, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.24%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
New Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%

Rate History
No change since Oct 10, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 25, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
New Car Loan
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedOct 23, 2026
Details

Auto Loans Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 11 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 23, 2026
Details

Prime rate; individual rates may vary based on credit score. Auto loan rate, APR.

Rate History
No change since Oct 13, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 23, 2026
Details

Prime rate; individual rates may vary based on credit score. Auto loan rate, APR.

Rate History
No change since Oct 13, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
4.25%
up to 6 years
▼
APR4.25%
Interest Rate4.25%
Termup to 6 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
1 change since Sep 14, 2026 · 14.99% → 4.25% ▼ 10.74 pts · high 14.99% / low 4.25%
0.00%12.87%25.73%Sep 14, 2026: 14.99% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.25%▼ from 14.99%
  • Sep 14, 202614.99%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - New
4.25%
Up to 72 Months
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2023-2026; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
64-75 Months
▼
APR4.25%
Term64-75 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
49-63 Months
▼
APR4.25%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.25%
36 months
▼
APR4.25%
Interest Rate4.25%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: C 550-624; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedOct 19, 2026
Details

As Low As; Rates effective as of 10/11/2024; Rates subject to change without notice

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.30%
5 Years (60 Months)
▼
APR4.30%
Interest Rate4.30%
Term5 Years (60 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.30% APR
3.80%4.30%4.80%Oct 19, 2026: 4.30% APROct 19, 2026Oct 25, 2026
Illinois Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
2025 + Newer Auto Loan - 60 Months
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedOct 22, 2026
Details

Model Year: 2025 + Newer

Rate History
No change since Oct 22, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 22, 2026: 4.39% APROct 22, 2026Oct 25, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Auto Loan - New Auto 2025 & Newer
4.39%
60 Months
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New Auto 2025 & Newer

Rate History
No change since Oct 19, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 19, 2026: 4.39% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
2 Years
▼
APR4.40%
Term2 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
3 Years
▼
APR4.40%
Term3 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
4 Years
▼
APR4.40%
Term4 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
5 Years
▼
APR4.40%
Term5 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
Vehicle Loans - New 2025-2026
4.40%
6 Years
▼
APR4.40%
Term6 Years
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: New 2025-2026

Rate History
No change since Oct 19, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 19, 2026: 4.40% APROct 19, 2026Oct 25, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
New Auto Loan
4.44%
Up to 60 Months
▼
APR4.44%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

Model Year: NEW; Rates assume excellent credit; Up to 125% financing available with added premium

Rate History
1 change since Sep 14, 2026 · 4.54% → 4.44% ▼ 0.10 pts · high 4.54% / low 4.44%
3.94%4.49%5.04%Sep 14, 2026: 4.54% APROct 5, 2026: 4.44% APRSep 14, 2026Oct 25, 2026
  • Oct 5, 20264.44%▼ from 4.54%
  • Sep 14, 20264.54%first recorded
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $1,000

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $20,001

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 11 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New Vehicles
4.49%
up to 3 years
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 700-749

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 13.99% / low 4.49%
0.00%11.75%23.49%Sep 14, 2026: 4.49% APRSep 18, 2026: 13.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.49%▼ from 13.99%
  • Sep 18, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
New Autos & Motorcycles
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedOct 19, 2026
Details

As Low As; Minimum Loan Amount: $10,000; New vehicle rates apply to vehicles with less than 5,000 miles; Rates include all applicable discounts (maximum discount 0.50% APR)

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
Auto Loans - New Vehicles
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2026 - 2025

Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
48 months
▼
APR4.49%
Interest Rate4.49%
Term48 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - New
4.49%
60 months
▼
APR4.49%
Interest Rate4.49%
Term60 months
Last UpdatedOct 19, 2026
Details

New Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New Auto Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2025-2026 less than 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 5.99% / low 4.49%
2.99%5.24%7.49%Sep 14, 2026: 4.49% APROct 14, 2026: 5.99% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 5.99%
  • Oct 14, 20265.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - 2025 or Newer
4.50%
Up to 60 Months
▼
APR4.50%
Interest Rate4.50%
TermUp to 60 Months
Last UpdatedOct 23, 2026
Details

Credit Score: 760+; Vehicle Year: 2025 or Newer

Rate History
No change since Oct 22, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026
Maternity BVM Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Auto Loans - New Untitled 2026-2025
4.50%
6 Years (72 Months)
▼
APR4.50%
Interest Rate4.50%
Term6 Years (72 Months)
Last UpdatedOct 19, 2026
Details

Rates approved 06/11/2026; subject to change without notice

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.50%
72 months
▼
APR4.50%
Interest Rate4.50%
Term72 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
New Vehicle Auto or Truck
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Maximum $120,000; Less than 10K miles; 90% financing or 100% with GAP insurance; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
New Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal; includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
  • Sep 18, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to 120% of Retail; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Car Auto Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedOct 22, 2026
Details

Loan Amount: Up to retail value; Rates as of 03/18/2026

Rate History
No change since Oct 22, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 22, 2026: 4.50% APROct 22, 2026Oct 25, 2026

Lindenwood Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
2.75%
36 months
▼
APR2.75%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 2.75% APR · checked 2 times
2.25%2.75%3.25%Oct 15, 2026: 2.75% APROct 15, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
3.25%
48 months
▼
APR3.25%
Term48 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 3.25% APR · checked 2 times
2.75%3.25%3.75%Oct 15, 2026: 3.25% APROct 15, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
New and Used Auto Loans
3.25%
36 months
▼
APR3.25%
Term36 months
Last UpdatedOct 19, 2026
Details

Term: 36 months to 72 months; APR range: 3.251% - 16.001%; Finances up to 90% of Kelley's Blue Book value; Vehicle must be less than 7 years old; Up to $40K for new car or $35K for used car; Application fee: $20.00; Term depends on vehicle age; Requires $50.00 deposit balance

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 25, 2026
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New/Used Vehicle Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedOct 19, 2026
Details

As Low As; Effective Date: November 7, 2025

Rate History
No change since Oct 10, 2026 · 3.49% APR · checked 3 times
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
3.50%
60 months
▼
APR3.50%
Term60 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 3.50% APR · checked 2 times
3.00%3.50%4.00%Oct 15, 2026: 3.50% APROct 15, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
0-24 Months
▼
APR3.50%
Term0-24 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
25-36 Months
▼
APR3.50%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.50%
37-48 Months
▼
APR3.50%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 19, 2026: 3.50% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
49-63 Months
▼
APR3.75%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
3.75%
37-48 Months
▼
APR3.75%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 19, 2026: 3.75% APROct 19, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 25, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Used Auto Loan
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 23, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 9 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Used Car Loan - 2025 - 2026
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedOct 22, 2026
Details

Model Years: 2025 - 2026; Loan Basis: NADA Trade-in Value

Rate History
No change since Oct 22, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 22, 2026: 3.90% APROct 22, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
4 years
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
3 years
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
2 years
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
3.99%
1 year
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 10 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: Used (2016 - 2024); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 25, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedOct 19, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 25, 2026
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Vehicle Loan - 0 - 24 months
3.99%
0-24 months
▼
APR3.99%
Term0-24 months
Last UpdatedOct 19, 2026
Details

Used Vehicles (2025, 2024, 2023, 2022, 2021, 2020); includes auto, truck, recreation vehicles, motorcycles; Rates range 3.99% - 15.04% APR; Rates effective as of 9/18/2026; Line of Credit: n/a

Rate History
No change since Oct 19, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 19, 2026: 3.99% APROct 19, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
4.00%
72 months
▼
APR4.00%
Term72 months
Last UpdatedOct 23, 2026
Details

Credit Grade: A: 700 and Up (Max $50,000 and Up); Share Pledge (S/P): 0.00%

Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APROct 15, 2026Oct 25, 2026
CTA 74th Street Depot Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.54%
Used Auto Loan
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedOct 23, 2026
Details

Credit Grade: B: 625 - 699 (Max $45,000); Share Pledge (S/P): 5.00%

Rate History
No change since Oct 15, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Oct 15, 2026: 4.00% APROct 15, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.00%
25-36 Months
▼
APR4.00%
Term25-36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.00%
48 months
▼
APR4.00%
Interest Rate4.00%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.00%
36 months
▼
APR4.00%
Interest Rate4.00%
Term36 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 19, 2026: 4.00% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 25, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
▼
APR4.24%
Term64-75 months
Last UpdatedOct 19, 2026
Details

As Low As; Vehicle Type: Used (2016 - 2024); Effective Date 10/18/2026; Includes 0.25% APR discount with automatic payment

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 7 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 25, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 9 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 25, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 23, 2026
Details

Prime rate; individual rates may vary based on credit score. Auto loan rate, APR.

Rate History
No change since Oct 13, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 25, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
Auto Loan (Trucks, Cars, SUVs, Motorcycles) - Used
4.25%
Up to 60 Months
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 19, 2026
Details

Model Year: 2019-2022; Rates effective as of 10/1/2026

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
64-75 Months
▼
APR4.25%
Term64-75 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2023 or newer

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
49-63 Months
▼
APR4.25%
Term49-63 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2022-2021

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New & Used Vehicles, RV, and Boat Loans
4.25%
37-48 Months
▼
APR4.25%
Term37-48 Months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2020

Rate History
No change since Oct 19, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 19, 2026: 4.25% APROct 19, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2024 - 2023)
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; based on FICO score

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 25, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedOct 19, 2026
Details

As Low As; Loan rates based on FICO score on credit report; Maximum Term 72 Months

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 25, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 19, 2026
Details

All rates are based on 725 credit score

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 25, 2026
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Vehicle Loan - 25 - 36 months
4.44%
25-36 months
▼
APR4.44%
Term25-36 months
Last UpdatedOct 19, 2026
Details

Used Vehicles (2025, 2024, 2023, 2022, 2021, 2020); includes auto, truck, recreation vehicles, motorcycles; Rates range 4.44% - 15.44% APR; Rates effective as of 9/18/2026; Line of Credit: n/a

Rate History
No change since Oct 19, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 19, 2026: 4.44% APROct 19, 2026Oct 25, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $1,000

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
New and Used Auto / Truck Loans
4.49%
84 months
▼
APR4.49%
Term84 months
Last UpdatedOct 23, 2026
Details

Minimum loan amount: $20,001

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 25, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used-all other vehicles
4.49%
1 months
▼
APR4.49%
Term1 months
Last UpdatedOct 23, 2026
Details

Term: 1-72 month finance period; Vehicle Interest Rates

Rate History
No change since Oct 13, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 25, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
New and Used Auto Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 23, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; for qualified borrowers; rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 11 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
Used Vehicles 2025-2015
4.49%
up to 3 years
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 19, 2026
Details

Vehicle Loan Rates (March 2026); Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 5.49% → 4.49% ▼ 1.00 pts · high 14.99% / low 4.49%
0.00%12.75%25.49%Sep 14, 2026: 5.49% APRSep 18, 2026: 14.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 9, 20264.49%▼ from 14.99%
  • Sep 18, 202614.99%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedOct 19, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used
4.49%
24 months
▼
APR4.49%
Interest Rate4.49%
Term24 months
Last UpdatedOct 19, 2026
Details

Used Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan - Used
4.49%
36 months
▼
APR4.49%
Interest Rate4.49%
Term36 months
Last UpdatedOct 19, 2026
Details

Used Car

Rate History
No change since Oct 19, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 19, 2026: 4.49% APROct 19, 2026Oct 25, 2026
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abbott Laboratories Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
Used Auto
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedOct 19, 2026
Details

As Low As; Model Year: 2019-2025 and 2025-2026 with over 5,000 miles

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 14, 2026: 4.74% APROct 19, 2026: 4.49% APRSep 14, 2026Oct 25, 2026
  • Oct 19, 20264.49%▼ from 4.74%
  • Oct 14, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Used Automobiles
4.49%
12 to 36 months
▼
APR4.49%
Term12 to 36 months
Last UpdatedOct 19, 2026
Details

APR range 4.49% - 14.49%; 2019 or older add 2% to rate; Rates based on primary applicant's personal credit history; Offer not valid on refinancing existing Abri auto loans

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 7 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 25, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
Used Auto Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedOct 19, 2026
Details

As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%

Rate History
No change since Oct 10, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Used Auto Loan
4.50%
5 years
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 23, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 11 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.50%
60 months
▼
APR4.50%
Interest Rate4.50%
Term60 months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700 & Up; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Used Vehicle - Auto or Truck
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 19, 2026
Details

Credit Score: B 625-699; Age of vehicle + term cannot exceed 10yrs; Loan rates effective as of October 1, 2026

Rate History
No change since Oct 19, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 19, 2026: 4.50% APROct 19, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedOct 19, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedOct 19, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 25, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - Used Cars: 2023 - 2024
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedOct 22, 2026
Details

Qualifier: NADA trade-in value

Rate History
No change since Oct 13, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 25, 2026

Lindenwood, IL Auto Loan Rate Trends

Compare local Lindenwood, 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.

View Full Illinois Auto Trends
New Auto Loan IL Avg
5.111%
▲ 0.022 vs 7 days ago

Illinois new auto rates rose 0.022 points over the past 7 days to 5.111% APR.

Used Auto Loan IL Avg
5.924%
▲ 0.156 vs 7 days ago

Illinois used auto rates rose 0.156 points over the past 7 days to 5.924% APR.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

Lindenwood, 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.

Current New Auto Avg
5.11%
APR, as of Oct 25, 2026
6-Month Forecast
5.19%
Fed hold assumed
12-Month Forecast
5.26%
Range: 4.91% to 5.46%
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.

Powered byMonitorBankRates

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 @ 5.11% APR
IL average
Used Auto @ 5.92% APR
IL average
Monthly Difference
$15,000 $283.83/mo $289.46/mo $5.63/mo
$25,000 $473.06/mo $482.44/mo $9.38/mo
$35,000 $662.28/mo $675.41/mo $13.14/mo
$45,000 $851.50/mo $868.39/mo $16.89/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Lindenwood, Illinois

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Lindenwood, 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.

2

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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Illinois Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$48,393
Median Individual Earnings
National avg: $47,340
5.8%
Unemployment Rate
National avg: 4.8%
11.8%
Poverty Rate
National avg: 11.1%
$568/mo
Payment on a $30K / 60-mo Loan
At IL new-auto avg 5.11% APR

A $568 monthly car payment works out to roughly 14.1% of the median individual income in Illinois. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Lindenwood, 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 to 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 to 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 Lindenwood, 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.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Lindenwood, 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 Lindenwood, 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 Lindenwood, 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.

Bad Credit Auto Loans in Lindenwood, Illinois

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.98% APR Avg. used car loan we track: 6.71% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans

Frequently Asked Questions about Auto Loans in Lindenwood, 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 Lindenwood, 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 Lindenwood, 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.

Should I get preapproved for an auto loan before visiting a dealer in Lindenwood, Illinois?

Yes. A preapproval from a bank or credit union serving Lindenwood, Illinois gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Lindenwood, Illinois can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Lindenwood, Illinois?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Lindenwood, Illinois?

Based on our current data, some of the lowest auto loan rates available in Lindenwood, Illinois include:
  • CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
  • Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan - 1 year)
  • Chicago Firefighters Credit Union: 3.00% (New Vehicle Auto or Truck)
  • Canals And Trails Credit Union: 3.00% (New Auto Loan)
  • Western Springs Federal Credit Union: 3.25% (New Car Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lindenwood, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 23, 2026

Lindenwood, Illinois Rates & Resources