Auto Loan Rates in Springfield, Illinois (IL) for May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Springfield, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Springfield, Illinois include Illinois Educators Credit UnionIllinois Educators Credit Union3101 Montvale Dr, Springfield, IL, 62704 4260A5.0 ★Texas Ratio: 7.66% offering Auto Loan at 4.49%, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL2464 Wabash Ave, Springfield, IL, 62704A5.0 ★Texas Ratio: 8.23% offering New Auto Loans - Promotion at 4.99%, CTA 74th Street Depot Federal Credit UnionCTA 74th Street Depot Federal Credit UnionB+4.7 ★Texas Ratio: 19.11% offering New Auto Loan at 2.50%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, ABD Federal Credit UnionABD Federal Credit UnionA+5.0 ★Texas Ratio: 2.11% offering New and Used Auto Loans at 3.25%. Auto loan rates as of May 5, 2026 according to verified data from MonitorBankRates.
Springfield has 2 local institutions in our database, with auto loan rates as low as 4.49% APR from Illinois Educators Credit Union at 3101 Montvale Dr, Springfield, IL, 62704 4260. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Springfield, Illinois. Auto Loan Rates Last Updated and Verified: May 5, 2026
Compare Auto Loan Rates Today in Springfield, Illinois & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; New 2026-2025
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; New 2026-2025
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 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
7.24%
60 Months
▼
APR7.24%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022-2019
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan
7.74%
66 Months
▼
APR7.74%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2022-2019
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan
9.50%
54 Months
▼
APR9.50%
Term54 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2018-2016
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loan
10.50%
48 Months
▼
APR10.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 2015-2014
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedApr 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%
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedApr 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%
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedApr 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%
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details
Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedApr 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%
New Auto Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As*
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 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%
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
up to 60
▼
APR3.59%
Termup to 60
Last UpdatedMay 2, 2026
Details
As Low As; low as 3.59%*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
3.99%
24 mos
▼
APR3.99%
Term24 mos
Last UpdatedMay 2, 2026
Details
As Low As
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 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%
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
up to two years old
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.00%
up to 60 mos.
▼
APR4.00%
Termup to 60 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
up to 72
▼
APR4.09%
Termup to 72
Last UpdatedMay 2, 2026
Details
As Low As; low as 4.09%*
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.19%
up to 60
▼
APR4.19%
Termup to 60
Last UpdatedMay 2, 2026
Details
As Low As; low as 4.19%*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 2, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.25%
Up to 60
▼
APR4.25%
TermUp to 60
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedMay 2, 2026
Details
2025 and newer
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2020-2021
4.39%
up to 60
▼
APR4.39%
Termup to 60
Last UpdatedMay 2, 2026
Details
As Low As; low as 4.39%*
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.49%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 36 months
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 24 MONTHS
4.49%
24 MONTHS
▼
APR4.49%
Term24 MONTHS
Last UpdatedMay 2, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 36 MONTHS
4.49%
36 MONTHS
▼
APR4.49%
Term36 MONTHS
Last UpdatedMay 2, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 48 MONTHS
4.49%
48 MONTHS
▼
APR4.49%
Term48 MONTHS
Last UpdatedMay 2, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Vehicle Loans - 60 MONTHS
4.49%
60 MONTHS
▼
APR4.49%
Term60 MONTHS
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.49%
36 mos
▼
APR4.49%
Term36 mos
Last UpdatedMay 2, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedApr 18, 2026
Details
As Low As
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details
3 yr Financing
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Vehicle Based on Retail Value
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 2, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
4.50%
up to 36 Months
▼
APR4.50%
Termup to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedApr 18, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.65%
48 Months
▼
APR4.65%
Term48 Months
Last UpdatedMay 2, 2026
Details
2022-2024
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2022-2024
4.69%
up to 72
▼
APR4.69%
Termup to 72
Last UpdatedMay 2, 2026
Details
As Low As; low as 4.69%*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedApr 18, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 48 months
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.74%
48 mos
▼
APR4.74%
Term48 mos
Last UpdatedMay 2, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019 & Newer
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details
As Low As; min. $500
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; min. $500
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details
As Low As; 6 yr Financing
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
4.75%
(1 - 5 yrs. old) up to 54 mos.
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
2025 and newer
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.75%
Up to 54 Months
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
4.75%
37 - 60 months
▼
APR4.75%
Term37 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72 months
▼
APR4.79%
Term24-72 months
Last UpdatedApr 19, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedApr 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.89%
Up to 36 Months*
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedApr 27, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.89%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As*
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 2, 2026
Details
2021
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMay 2, 2026
Details
2022-2024
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details
As Low As
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedApr 18, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.99%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 60 months
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 36 months
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
4.99%
60 mos
▼
APR4.99%
Term60 mos
Last UpdatedMay 2, 2026
Details
As Low As
APR4.99%
Term37 - 69
Last UpdatedMay 2, 2026
Details
As Low As; 2019 & Newer
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.99%
69 Months
▼
APR4.99%
Term69 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, Up to 66 months
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.99%
37 to 60
▼
APR4.99%
Term37 to 60
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 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%
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Score B: 625 - 699 (Max $45,000)
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 18, 2026
Details
As Low As
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 2, 2026
Details
Up to 60 Months
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
5.00%
78 Months
▼
APR5.00%
Term78 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.00%
Up to 42 Months
▼
APR5.00%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.00%
Up to 54 Months
▼
APR5.00%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.10%
48 Months
▼
APR5.10%
Term48 Months
Last UpdatedMay 2, 2026
Details
2020
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.24%
4-Year
▼
APR5.24%
Term4-Year
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.24%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As*
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As*
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 72 months
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 48 months
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
5.24%
66 mos
▼
APR5.24%
Term66 mos
Last UpdatedMay 2, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
New Vehicle Loans
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; New 2026 through 2024
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.25%
Up to 66 Months
▼
APR5.25%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.30%
72 Months
▼
APR5.30%
Term72 Months
Last UpdatedMay 2, 2026
Details
2021
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
5.34%
up to 84
▼
APR5.34%
Termup to 84
Last UpdatedMay 2, 2026
Details
As Low As; low as 5.34%*
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMay 2, 2026
Details
2019
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.40%
6 Years
▼
APR5.40%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details
Max 72 months
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details
2015 - 2017; 72 Months
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.49%
5-Year
▼
APR5.49%
Term5-Year
Last UpdatedApr 18, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 60 months
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2018-2019
5.49%
up to 48
▼
APR5.49%
Termup to 48
Last UpdatedMay 2, 2026
Details
As Low As; low as 5.49%*
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Vehicle Loan
5.49%
72 mos
▼
APR5.49%
Term72 mos
Last UpdatedMay 2, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details
As Low As
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 7-10 years old
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
5.50%
84 mos.
▼
APR5.50%
Term84 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Park Manor Christian Church Credit Union
Institution Rating:
F1.6 ★ Texas Ratio: 56.28%
Vehicle Loans
5.50%
60 to 72 month terms
▼
APR5.50%
Term60 to 72 month terms
Last UpdatedMay 2, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMay 2, 2026
Details
2019
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Auto Loan
5.50%
up to 36
▼
APR5.50%
Termup to 36
Last UpdatedMay 2, 2026
Details
As Low As
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2015-19 Models
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.50%
Up to 54 Months
▼
APR5.50%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.50%
Up to 66 Months
▼
APR5.50%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
5.50%
1 - 60 months
▼
APR5.50%
Term1 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.65%
72 Months
▼
APR5.65%
Term72 Months
Last UpdatedMay 2, 2026
Details
2020
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details
2018 - 2019; Max 72 months
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loan
5.70%
60 Months
▼
APR5.70%
Term60 Months
Last UpdatedMay 2, 2026
Details
2019
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.91%
Auto Loans
5.74%
6-Year
▼
APR5.74%
Term6-Year
Last UpdatedApr 18, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48 Months
▼
APR5.74%
Term24-48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.74%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 72 months
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
APR5.74%
Term70 - 79
Last UpdatedMay 2, 2026
Details
As Low As; 2019 & Newer
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
5.74%
79 Months
▼
APR5.74%
Term79 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, 67-78 months
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
5.75%
(1-5 yrs. old) 60 mos.
▼
APR5.75%
Term(1-5 yrs. old) 60 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicles
5.75%
up to 7 years
▼
APR5.75%
Termup to 7 years
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.74%
Auto Loans
5.75%
1 - 60 months
▼
APR5.75%
Term1 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As
Granville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New or Used Vehicle
5.78%
72 Months
▼
APR5.78%
Term72 Months
Last UpdatedMay 3, 2026
Details
*Annual Percentage Rate based on an example loan amount of $40,000 with an interest rate of 5.70% for 72 months, and a monthly payment of $658.85. Rate also reflects a 0.25% interest rate reduction for automatic loan payments deducted from a GNB checking or savings account which must be active at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.25% will be added to the rate. We will finance up to 100% of new vehicle loans. Borrowers must meet credit, income, and other underwriting standards. Rate applies to new, untitled 2024, 2025 and 2026 vehicle purchases only, terms up to 72 months. Qualified borrowers only, other conditions may apply. Rates are accurate when published, but are subject to change.
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Age of Vehicle: 2025-New
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.23%
2464 Wabash Ave, Springfield, IL, 62704
New Auto 2025 + Newer
5.49%
73 to 84 Months
▼
APR5.49%
Term73 to 84 Months
Last UpdatedMay 2, 2026
Details
As Low As
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedApr 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%
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedApr 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%
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedApr 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details
Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedApr 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%
New Auto Loan
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As*
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; for 36 months at $29.30 per $1,000
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
3.59%
up to 60
▼
APR3.59%
Termup to 60
Last UpdatedMay 2, 2026
Details
As Low As; low as 3.59%*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
up to two years old
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto (up to two years old)
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 19, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.00%
up to 60 mos.
▼
APR4.00%
Termup to 60 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
4.09%
up to 72
▼
APR4.09%
Termup to 72
Last UpdatedMay 2, 2026
Details
As Low As; low as 4.09%*
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.25%
Up to 60
▼
APR4.25%
TermUp to 60
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.49%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 36 months
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedApr 18, 2026
Details
As Low As
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details
3 yr Financing
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 48 months
4.74%
Up to 48 months
▼
APR4.74%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details
As Low As; min. $500
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details
As Low As; 6 yr Financing
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
4.75%
72 mos.
▼
APR4.75%
Term72 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
United Equity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
2026 & Newer Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
4.75%
Up to 54 Months
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedMay 2, 2026
Details
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New Auto Loans
4.79%
24-72 months
▼
APR4.79%
Term24-72 months
Last UpdatedApr 19, 2026
Details
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.79%
48 months
▼
APR4.79%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As*
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.89%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
4.89%
60 months
▼
APR4.89%
Term60 months
Last UpdatedMay 2, 2026
Details
As Low As*
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details
As Low As
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.99%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 60 months
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
4.99%
69 Months
▼
APR4.99%
Term69 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, Up to 66 months
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedApr 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.24%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
New Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 2, 2026
Details
As Low As*
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
New Vehicles - Up to 72 months
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
New Vehicle Loans
5.25%
Up to 36 Months
▼
APR5.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; New 2026 through 2024
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.25%
Up to 66 Months
▼
APR5.25%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Autos & Trucks 2025 & Newer
5.34%
up to 84
▼
APR5.34%
Termup to 84
Last UpdatedMay 2, 2026
Details
As Low As; low as 5.34%*
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
New Vehicles
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details
Max 72 months
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
New Vehicle
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details
As Low As
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New Vehicle Loans
5.50%
84 mos.
▼
APR5.50%
Term84 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.74%
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loans 2019 & Newer
5.74%
79 Months
▼
APR5.74%
Term79 Months
Last UpdatedMay 2, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, 67-78 months
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.86%
New Vehicles
5.75%
up to 7 years
▼
APR5.75%
Termup to 7 years
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Autos 2024 - 2025
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details
As Low As
Granville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New or Used Vehicle
5.78%
72 Months
▼
APR5.78%
Term72 Months
Last UpdatedMay 3, 2026
Details
*Annual Percentage Rate based on an example loan amount of $40,000 with an interest rate of 5.70% for 72 months, and a monthly payment of $658.85. Rate also reflects a 0.25% interest rate reduction for automatic loan payments deducted from a GNB checking or savings account which must be active at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.25% will be added to the rate. We will finance up to 100% of new vehicle loans. Borrowers must meet credit, income, and other underwriting standards. Rate applies to new, untitled 2024, 2025 and 2026 vehicle purchases only, terms up to 72 months. Qualified borrowers only, other conditions may apply. Rates are accurate when published, but are subject to change.
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details
As Low As; Age of Vehicle: 2025-New
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedApr 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%
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedMay 2, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
New and Used Auto Loans
3.25%
36 months to 72 months
▼
APR3.25%
Term36 months to 72 months
Last UpdatedMay 2, 2026
Details
Application fee: $20.00; SSCFCU will finance a new or used vehicle up to 90% of Kelley's Blue Book value. The vehicle must be less than 7 years old. Minimum requirement: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage, maintain a $50.00 deposit balance, be a credit union member and demonstrate the capacity to repay the loan.
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New/Used Vehicle
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 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%
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedApr 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%
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 2, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedMay 2, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedApr 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%
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedMay 2, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 3-4 years old
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedApr 19, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedMay 2, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedApr 17, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.49%
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
APR4.50%
Term3 Months
Last UpdatedApr 19, 2026
Details
3 yr Financing
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Used Vehicle Based on Retail Value
4.50%
24 Months
▼
APR4.50%
Term24 Months
Last UpdatedMay 2, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
4.50%
Up to 42 Months
▼
APR4.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedApr 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; min. $500
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
4.75%
1-36 months
▼
APR4.75%
Term1-36 months
Last UpdatedApr 18, 2026
Details
APR4.75%
Term6 Months
Last UpdatedApr 19, 2026
Details
As Low As; 6 yr Financing
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
4.75%
(1 - 5 yrs. old) up to 54 mos.
▼
APR4.75%
Term(1 - 5 yrs. old) up to 54 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedApr 18, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Used Auto
4.89%
Up to 36 Months*
▼
APR4.89%
TermUp to 36 Months*
Last UpdatedApr 27, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.89%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 2, 2026
Details
As Low As*
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details
As Low As
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 4.99%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 36 months
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 2, 2026
Details
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, Up to 66 months
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
4.99%
37 to 60
▼
APR4.99%
Term37 to 60
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.11%
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedApr 17, 2026
Details
Score B: 625 - 699 (Max $45,000)
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedApr 18, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.00%
Up to 42 Months
▼
APR5.00%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.00%
Up to 54 Months
▼
APR5.00%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.24%
61-72 months
▼
APR5.24%
Term61-72 months
Last UpdatedApr 18, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.24%
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
Used Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMay 2, 2026
Details
As Low As*
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 48 months
5.24%
Up to 48 months
▼
APR5.24%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New/Used Auto 2024 or Newer
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; New 2026 through 2024
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan** (S2)
5.40%
6 Years
▼
APR5.40%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.45%
72 Months
▼
APR5.45%
Term72 Months
Last UpdatedApr 18, 2026
Details
2015 - 2017; 72 Months
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
New & Used Vehicles
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (4 to 5 Years Old)
5.49%
Up to 36 Months
▼
APR5.49%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
Used Vehicle
5.49%
73-84 months*
▼
APR5.49%
Term73-84 months*
Last UpdatedApr 18, 2026
Details
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Business Auto Loans
5.49%
Up to 36 months
▼
APR5.49%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 60 months
5.49%
Up to 60 months
▼
APR5.49%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.22%
Used Automobiles
5.49%
61 to 72
▼
APR5.49%
Term61 to 72
Last UpdatedMay 2, 2026
Details
2019 or older add 2% to rate
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details
As Low As
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto 7-10 years old
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedApr 19, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
Used Auto Loan
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2015-19 Models
5.50%
Up to 42 Months
▼
APR5.50%
TermUp to 42 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2020-21 Models
5.50%
Up to 54 Months
▼
APR5.50%
TermUp to 54 Months
Last UpdatedMay 2, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Autos 2022-23 Models
5.50%
Up to 66 Months
▼
APR5.50%
TermUp to 66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.68%
New, Used, Refinance and Cash Out Refinance Auto Loan
5.59%
37 to 48 months
▼
APR5.59%
Term37 to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Used Vehicles
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedApr 18, 2026
Details
2018 - 2019; Max 72 months
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR1: As low as 5.74%
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
Pre-Owned Vehicles - Up to 72 months
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details
As Low As; ...
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
New Used Auto Loan
5.74%
78 Months
▼
APR5.74%
Term78 Months
Last UpdatedMay 2, 2026
Details
As Low As; 2019-2027, 67-78 months
American Broadcast Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.22%
Used Vehicle Loans (1 to 3 Years Old)
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Service Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto (2020-2023)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Used Vehicle Loans
5.75%
(1-5 yrs. old) 60 mos.
▼
APR5.75%
Term(1-5 yrs. old) 60 mos.
Last UpdatedApr 27, 2026
Details
New Molex loans only.
Granville National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New or Used Vehicle
5.78%
72 Months
▼
APR5.78%
Term72 Months
Last UpdatedMay 3, 2026
Details
*Annual Percentage Rate based on an example loan amount of $40,000 with an interest rate of 5.70% for 72 months, and a monthly payment of $658.85. Rate also reflects a 0.25% interest rate reduction for automatic loan payments deducted from a GNB checking or savings account which must be active at the time of loan closing. If the above requirements are not met, discount will not apply, and 0.25% will be added to the rate. We will finance up to 100% of new vehicle loans. Borrowers must meet credit, income, and other underwriting standards. Rate applies to new, untitled 2024, 2025 and 2026 vehicle purchases only, terms up to 72 months. Qualified borrowers only, other conditions may apply. Rates are accurate when published, but are subject to change.
Powered by
MonitorBankRates
Springfield, IL Auto Loan Rate Trends
Compare local Springfield, IL auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — IL Avg
5.784%
▲ 0.689 vs 7 days ago
Illinois new auto rates rose 0.689 points over the past 7 days to 5.784% APR.
Used Auto Loan — IL Avg
6.519%
▲ 0.652 vs 7 days ago
Illinois used auto rates rose 0.652 points over the past 7 days to 6.519% APR.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Springfield, 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 Springfield, 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 Springfield, 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 Springfield, Illinois?
Based on our current data, some of the lowest auto loan rates available in Springfield, Illinois include:
- Illinois Educators Credit Union: 4.49% (Auto Loan)
- Credit Union 1 Credit Union Rantoul, IL: 4.99% (New Auto Loans - Promotion)
- CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Springfield, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 5, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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