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Auto Loan Rates in Mattoon, Illinois (IL) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Mattoon, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: March 20, 2026

Current auto loan rates in Mattoon, Illinois include Area Educational Credit UnionArea Educational Credit Union812 CHARLESTON AVE, MATTOON, IL, 61938A+5.0 ★Texas Ratio: 0.95% offering New Cars 20% Down at 3.50%, Land Of Lincoln Credit UnionLand Of Lincoln Credit Union720 Broadway Ave, Mattoon, IL, 61938A5.0 ★Texas Ratio: 6.84% offering 84-month - 2022 - 2025 New & Used Cars, Trucks and Vans at 6.70%, CTA 74th Street Depot Federal Credit UnionCTA 74th Street Depot Federal Credit Union10057 S Western Ave, Chicago, IL, 60643 1925B+4.7 ★Texas Ratio: 19.11% offering New Auto Loan at 2.50%, Chicago Firefighters Credit UnionChicago Firefighters Credit Union6230 S Central Ave, Chicago, IL, 60638A+5.0 ★Texas Ratio: 0.52% offering New Vehicle A 700 & Up at 3.00%, Baxter Credit UnionBaxter Credit Union415 S Main St, Crystal Lake, IL, 60014A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.

Auto loan rates in Mattoon, Illinois are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.

We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Mattoon, Illinois. Auto Loan Rates Last Updated and Verified: March 20, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.90%
48 months
View
▼
APR3.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.90%
36 Months
View
▼
APR3.90%
Term36 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
3.90%
48 Months
View
▼
APR3.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.90%
72 months
View
▼
APR4.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
4.90%
24 months
View
▼
APR4.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

NADA Trade-in Value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
5.90%
24 months
View
▼
APR5.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
5.90%
48 months
View
▼
APR5.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
6.50%
36 months
View
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
6.50%
24 months
View
▼
APR6.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
6.50%
36 months
View
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
6.50%
72 months
View
▼
APR6.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
View
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
6.90%
60 Months
View
▼
APR6.90%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
6.90%
48 months
View
▼
APR6.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
6.90%
36 months
View
▼
APR6.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
6.90%
48 months
View
▼
APR6.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
6.90%
60 months
View
▼
APR6.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
7.50%
36 months
View
▼
APR7.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
7.50%
36 months
View
▼
APR7.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.50%
24 months
View
▼
APR7.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
7.90%
48 months
View
▼
APR7.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
7.90%
48 Months
View
▼
APR7.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
7.90%
24 months
View
▼
APR7.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.90%
36 months
View
▼
APR7.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan
8.50%
60 months
View
▼
APR8.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
8.90%
48 months
View
▼
APR8.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
9.50%
24 months
View
▼
APR9.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
9.90%
36 months
View
▼
APR9.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Up to retail value

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
View
▼
APR2.50%
Term36 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedMar 18, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedMar 15, 2026
Details

48 or 60 months

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details

Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
View
▼
APR3.45%
Term72 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details

As Low As

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As; for 36 months at $29.30 per $1,000

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Auto Loan
3.50%
5 years
View
▼
APR3.50%
Term5 years
Last UpdatedMar 15, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
View
▼
APR3.59%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
3.74%
0 - 24
View
▼
APR3.74%
Term0 - 24
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
3.75%
36 Months
View
▼
APR3.75%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; For Well Qualified Borrowers

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMar 18, 2026
Details

*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
3.99%
51 Months
View
▼
APR3.99%
Term51 Months
Last UpdatedMar 20, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
3.99%
24 mos
View
▼
APR3.99%
Term24 mos
Last UpdatedMar 20, 2026
Details

As Low As

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score B: 625 - 699 (Max $50,000)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMar 17, 2026
Details

ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

up to two years old

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Auto Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.04%
25 - 36
View
▼
APR4.04%
Term25 - 36
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
View
▼
APR4.09%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL, 60104
Vehicle Loan 2024, '25 & '26 Models
4.14%
24 Months
View
▼
APR4.14%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
1001 Mannheim Rd, Bellwood, IL, 60104
Vehicle Loans
4.14%
24 Months
View
▼
APR4.14%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Auto Loan
4.15%
4 years
View
▼
APR4.15%
Term4 years
Last UpdatedMar 15, 2026
Details

As Low As; The rate you receive will be based upon your credit history, collateral, and loan character. The above interest rates apply when automatic payment from the PSFCU Checking Account is selected. Rates are 0.25% higher without automatic payment from the PSFCU Checking Account.

ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan
4.24%
72 Months
View
▼
APR4.24%
Term72 Months
Last UpdatedMar 18, 2026
Details

*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.24%
66 Months
View
▼
APR4.24%
Term66 Months
Last UpdatedMar 20, 2026
Details

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
4435 ALBY ST, ALTON, IL, 62002 5916
Auto Refinance
4.25%
66 Months
View
▼
APR4.25%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As; No Payments for 90 Days; Special Runs March 2-20, 2026

Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
4435 ALBY ST, ALTON, IL, 62002 5916
March Auto Refinance Special
4.25%
66 Months
View
▼
APR4.25%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As; No Payments for 90 Days. Special Runs March 2-20, 2026. Some restrictions apply. Contact Loan Department for details or to apply.

Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details

Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 18, 2026
Details

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2020-2023
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; For Well Qualified Borrowers

Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As; For Well Qualified Borrowers

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 13, 2026
Details

2025 and newer

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.29%
60 Months
View
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
302 N Park St, Streator, IL, 61364 2229
2023 & Newer Vehicle Loan
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedMar 13, 2026
Details

2025 and newer

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2022-2024
4.39%
60 Months
View
▼
APR4.39%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2020 - 2022
4.39%
51 Months
View
▼
APR4.39%
Term51 Months
Last UpdatedMar 20, 2026
Details

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.39%
37 - 48
View
▼
APR4.39%
Term37 - 48
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
View
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
View
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details

As Low As

Buena Vista National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1309 Swanwick St, Chester, IL, 62233
Hero Auto Loan
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

Financing up to 72 months; Buena Vista will donate half of every Hero Auto Loan documentation fee to the Tunnel to Towers Foundation.

New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
New Auto or Truck (2025 & newer)
4.49%
12-36 months
View
▼
APR4.49%
Term12-36 months
Last UpdatedMar 15, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

Model Year: 2022-2026

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Model Year: 2026 - 2025; Term: Up to 36 months

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Model Year 2026 - 2025

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2021 - 2022
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details

*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan New 2026-2025
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan Used 2025-2023
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL, 62226
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
4.49%
36 mos
View
▼
APR4.49%
Term36 mos
Last UpdatedMar 20, 2026
Details

As Low As

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL, 61704 8253
Standard Vehicle Loan 2024-2025
4.49%
66 Months
View
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details

LTV <= 100%

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL, 61704 8253
Standard Vehicle Loan 2026 AND NEWER
4.49%
66 Months
View
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details

LTV <= 100%

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
View
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details

2019 or older add 2% to rate

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedMar 18, 2026
Details

As Low As

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 72 months
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 84 months
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 13, 2026
Details

2025 and newer

MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL, 61401
2026 & Newer Auto Loan
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedMar 15, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL, 61401
Auto Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details

As Low As

Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
8930 Waukegan Rd, Morton Grove, IL, 60053
Auto Loans
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMar 15, 2026
Details

As Low As

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles
4.55%
84 Months
View
▼
APR4.55%
Term84 Months
Last UpdatedMar 17, 2026
Details

New Never Titled; Max 84 months

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles
4.55%
72 Months
View
▼
APR4.55%
Term72 Months
Last UpdatedMar 17, 2026
Details

2021 & Newer; Max 72 months

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.59%
72 Months
View
▼
APR4.59%
Term72 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2020-2021
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
Conventional Auto Loan Refinancing
4.59%
Up to 29 months
View
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details

As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
New Auto Loan Refinancing
4.59%
Up to 29 months
View
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details

As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
View
▼
APR4.60%
Term2 Years
Last UpdatedMar 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
3.90%
48 months
View
▼
APR3.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
3.90%
36 Months
View
▼
APR3.90%
Term36 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
3.90%
48 Months
View
▼
APR3.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 36 months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down
4.90%
72 months
View
▼
APR4.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 48 months
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

20% Down

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 60 months
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 72 months
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

Up to 120% of Retail

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
View
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
View
▼
APR2.50%
Term36 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
View
▼
APR3.00%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.00%
36 Months
View
▼
APR3.00%
Term36 Months
Last UpdatedMar 18, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
View
▼
APR3.25%
Term60 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedMar 15, 2026
Details

48 or 60 months

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details

Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
View
▼
APR3.45%
Term72 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $60,000 and Up)

ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMar 13, 2026
Details

As Low As

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As; for 36 months at $29.30 per $1,000

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
3.50%
48 Months
View
▼
APR3.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
View
▼
APR3.59%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
3.74%
0 - 24
View
▼
APR3.74%
Term0 - 24
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details

Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMar 18, 2026
Details

*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
3.99%
51 Months
View
▼
APR3.99%
Term51 Months
Last UpdatedMar 20, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score B: 625 - 699 (Max $50,000)

Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loans
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMar 17, 2026
Details

ADD 1% EXTRA FOR BOATS; ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.00%
60 Months
View
▼
APR4.00%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

up to two years old

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 15, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.04%
25 - 36
View
▼
APR4.04%
Term25 - 36
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
View
▼
APR4.09%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.24%
66 Months
View
▼
APR4.24%
Term66 Months
Last UpdatedMar 20, 2026
Details

Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details

Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 18, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details

As Low As

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.29%
60 Months
View
▼
APR4.29%
Term60 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
302 N Park St, Streator, IL, 61364 2229
2023 & Newer Vehicle Loan
4.35%
60 Months
View
▼
APR4.35%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
2195 Baseline Rd, Oswego, IL, 60543 6006
New Vehicles
4.39%
37 - 48
View
▼
APR4.39%
Term37 - 48
Last UpdatedMar 13, 2026
Details

As Low As; Rates range

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
View
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
View
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details

As Low As

New Century Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
291 Springfield Ave, Joliet, IL, 60435 6509
New Auto or Truck (2025 & newer)
4.49%
12-36 months
View
▼
APR4.49%
Term12-36 months
Last UpdatedMar 15, 2026
Details

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Model Year: 2026 - 2025; Term: Up to 36 months

Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Model Year 2026 - 2025

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans 2023 - Newer
4.49%
72 Months
View
▼
APR4.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan New 2026-2025
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
4384 N Illinois St, Swansea, IL, 62226
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Citizens Equity First Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.76%
2323 E Empire St, Bloomington, IL, 61704 8253
Standard Vehicle Loan 2026 AND NEWER
4.49%
66 Months
View
▼
APR4.49%
Term66 Months
Last UpdatedMar 18, 2026
Details

LTV <= 100%

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
View
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details

2019 or older add 2% to rate

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedMar 18, 2026
Details

As Low As

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 72 months
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY 84 months
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 15, 2026
Details

United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
687 Lincoln St, Galesburg, IL, 61401
2026 & Newer Auto Loan
4.50%
Up to 60
View
▼
APR4.50%
TermUp to 60
Last UpdatedMar 15, 2026
Details

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles
4.55%
84 Months
View
▼
APR4.55%
Term84 Months
Last UpdatedMar 17, 2026
Details

New Never Titled; Max 84 months

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.59%
72 Months
View
▼
APR4.59%
Term72 Months
Last UpdatedMar 20, 2026
Details

Model Year: NEW

First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
230 W Monroe St, Chicago, IL, 60606
New Auto Loan Refinancing
4.59%
Up to 29 months
View
▼
APR4.59%
TermUp to 29 months
Last UpdatedMar 20, 2026
Details

As Low As; Includes current and 1-year prior model year vehicles refinanced from another lender

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
4.90%
24 months
View
▼
APR4.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
4.90%
60 months
View
▼
APR4.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
4.90%
36 months
View
▼
APR4.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
4.90%
48 months
View
▼
APR4.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

NADA Trade-in Value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
5.90%
24 months
View
▼
APR5.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
5.90%
36 months
View
▼
APR5.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
5.90%
48 months
View
▼
APR5.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
5.90%
60 months
View
▼
APR5.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value
5.90%
72 months
View
▼
APR5.90%
Term72 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
6.50%
36 months
View
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 NADA trade-in value
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
6.50%
24 months
View
▼
APR6.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
6.50%
36 months
View
▼
APR6.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
6.50%
48 months
View
▼
APR6.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail
6.50%
72 months
View
▼
APR6.50%
Term72 months
Last UpdatedMar 20, 2026
Details

Land Of Lincoln Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.84%
720 Broadway Ave, Mattoon, IL, 61938
84-month - 2022 - 2025 New & Used Cars, Trucks and Vans
6.70%
84 Months
View
▼
APR6.70%
Term84 Months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
6.90%
48 months
View
▼
APR6.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
6.90%
24 months
View
▼
APR6.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
6.90%
36 months
View
▼
APR6.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to retail value
6.90%
48 months
View
▼
APR6.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to 120% of Retail
6.90%
60 months
View
▼
APR6.90%
Term60 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
7.50%
60 months
View
▼
APR7.50%
Term60 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 NADA trade-in value
7.50%
36 months
View
▼
APR7.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.50%
24 months
View
▼
APR7.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2020 - 2022 Up to 120% of Retail
7.50%
48 months
View
▼
APR7.50%
Term48 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
7.90%
48 Months
View
▼
APR7.90%
Term48 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
7.90%
24 months
View
▼
APR7.90%
Term24 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to retail value
7.90%
36 months
View
▼
APR7.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2013 - 2019 Up to 120% of Retail
8.50%
36 months
View
▼
APR8.50%
Term36 months
Last UpdatedMar 20, 2026
Details

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
8.90%
48 months
View
▼
APR8.90%
Term48 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
9.50%
24 months
View
▼
APR9.50%
Term24 months
Last UpdatedMar 20, 2026
Details

Up to retail value

Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.95%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Auto Loan
9.90%
36 months
View
▼
APR9.90%
Term36 months
Last UpdatedMar 20, 2026
Details

Up to retail value

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
View
▼
APR3.25%
Term48 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Term24 months
Last UpdatedMar 17, 2026
Details

South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 Months
View
▼
APR3.25%
Term36 Months
Last UpdatedMar 17, 2026
Details

Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00

Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As; for 36 months at $29.30 per $1,000

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedMar 18, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedMar 17, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Term48 months
Last UpdatedMar 17, 2026
Details

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedMar 11, 2026
Details

CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

Score A: 700 and Up (Max $50,000 and Up)

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedMar 17, 2026
Details

ANCO Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.54%
154 3rd St, La Salle, IL, 61301 2312
New & Used Vehicle Loan
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedMar 9, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedMar 11, 2026
Details

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedMar 15, 2026
Details

ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedMar 17, 2026
Details

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024)
4.48%
24 Months
View
▼
APR4.48%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.64%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled)
4.48%
24-36
View
▼
APR4.48%
Term24-36
Last UpdatedMar 18, 2026
Details

As Low As

State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedMar 15, 2026
Details

Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

Model Year: 2022-2026

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedMar 11, 2026
Details

Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 17, 2026
Details

Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan Used 2025-2023
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
New & Used Automobiles
4.49%
12 to 36
View
▼
APR4.49%
Term12 to 36
Last UpdatedMar 17, 2026
Details

2019 or older add 2% to rate

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 18, 2026
Details

Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 36 months
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 48 months
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

WISE CU
Institution Rating:
A+5.0 ★
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES - Limit of 60 months
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details

$90,000.00; Limit of $90,000.00

Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
View
▼
APR4.50%
Term72 Months
Last UpdatedMar 15, 2026
Details

Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMar 17, 2026
Details

As Low As

Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles
4.55%
72 Months
View
▼
APR4.55%
Term72 Months
Last UpdatedMar 17, 2026
Details

2021 & Newer; Max 72 months

CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
View
▼
APR4.60%
Term2 Years
Last UpdatedMar 18, 2026
Details

As Low As

Frequently Asked Questions about Auto Loans in Mattoon, 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 Mattoon, 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 Mattoon, Illinois typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

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

Based on our current data, some of the lowest auto loan rates available in Mattoon, Illinois include:
  • Area Educational Credit Union: 3.50% (New Cars 20% Down)
  • Land Of Lincoln Credit Union: 6.70% (84-month - 2022 - 2025 New & Used Cars, Trucks and Vans)
  • CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
  • Chicago Firefighters Credit Union: 3.00% (New Vehicle A 700 & Up)
  • Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Mattoon, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026

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