Auto Loan Rates in Carbon, Indiana (IN) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Carbon, Indiana include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, Central Soya Federal Credit UnionCentral Soya Federal Credit UnionA+5.0 ★Texas Ratio: 0.08% offering New Used Auto Loan at 3.49%, Bloomington Municipal Credit UnionBloomington Municipal Credit UnionA+5.0 ★Texas Ratio: 0.12% offering Autos & Trucks 2025 & Newer at 3.59%, Regional Federal Credit UnionRegional Federal Credit UnionA+5.0 ★Texas Ratio: 4.25% offering New and Used Auto Loans at 3.74%, Clifty Creek Employees Federal Credit UnionClifty Creek Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.30% offering 2023 - Newer Vehicle Loan at 3.75%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Carbon borrowers have access to 32 lenders serving the Indiana area, with auto loan rates as low as 2.99% APR from United Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Carbon, Indiana. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Carbon, Indiana & Surrounding Area
Carbon Auto Loan Rates
Limited-time offer. Rate requires autopay from a United checking account.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
2022 or Newer vehicle
Special!
As Low As
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; 2026 & Newer
As Low As
As Low As; Model Year: 2023-2027
Collateral: 2019 - 2026; Rate Type: Fixed; **
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Collateral: 2020 - 2026; Rate Type: Fixed; **
As Low As
As Low As
Collateral: 2023 - 2026; Rate Type: Fixed; **
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; *
As Low As
As Low As; Newer (2023-2026)
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00
As Low As; Minimum Loan Amount is $1,000.00
100% List. Rate subject to change.
Rate subject to change.
Collateral: 2024 - 2026; Rate Type: Fixed; **
100% List. Rate subject to change.
Subject to credit approval. Rate may vary based on individual creditworthiness.
As Low As; APR*
As Low As
As Low As
As Low As; Newer (2023-2026)
As Low As
As Low As;*
As Low As
As Low As
As Low As; Minimum Loan Amount is $1,000.00
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; *
As Low As; 2023 - 2025*
As Low As; Model Year: 2025-2027 (new only)
As Low As; Used (2019 - 2022)
As Low As
As Low As; APR*
As Low As; Minimum Loan Amount is $15,000.00
Rate subject to change.
As Low As
Collateral: 2019 - 2026; Rate Type: Fixed
As Low As
As Low As; Model Year: 2021-2022
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As*
As Low As; Used (2019 - 2022)
As Low As
Rates as Low as: *
As Low As; *
As Low As; *
As Low As
As Low As; Minimum Loan Amount is $15,000.00
2020 or Newer
Rate subject to change.
As Low As
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
Rate subject to change.
As Low As; Model Year: 2021-2022
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As; APR*
As Low As; Loan Amounts over $20k only
As Low As; Newer (2023-2026)
Collateral: 2020 - 2026; Rate Type: Fixed
As Low As; Minimum Loan Amount is $20,000.00
2020 or Newer
As Low As
As Low As
As Low As
As Low As; Model Year: 2017-2020
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As; Loan Amounts over $60k only
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
Collateral: 2023 - 2026; Rate Type: Fixed
As Low As
As Low As
As Low As
$15; As Low As
Rates as Low as: *
As Low As; *
As Low As; Minimum Loan Amount is $25,000.00
2020 or Newer
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As
As Low As
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
Collateral: 2017 - 2018; Rate Type: Fixed
2019 and older
2020 or Newer
Rate subject to change.
As Low As
As Low As
As Low As; Offer valid on applications now through June 30 when funded on or before June 30. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Used (2019 - 2022)
Collateral: 2024 - 2026; Rate Type: Fixed
As Low As
As Low As; *
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $20,000.00
2019 and older
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As
As Low As
$25; As Low As
As Low As
As Low As; APR*; Loan Amounts over $20k only
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Rates as Low as: *
As Low As; *
As Low As
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As; Rate (APR as low as)
As Low As; Newer (2023-2026)
As Low As
As Low As
As Low As; Minimum Loan Amount is $25,000.00
As Low As
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As
As Low As
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Rate (APR as low as)
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Rate (APR as low as)
Carbon New Auto Auto Loan Rates
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
2022 or Newer vehicle
Special!
As Low As
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As
As Low As; Model Year: 2023-2027
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; *
As Low As; Newer (2023-2026)
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00
100% List. Rate subject to change.
100% List. Rate subject to change.
Subject to credit approval. Rate may vary based on individual creditworthiness.
As Low As; Newer (2023-2026)
As Low As
As Low As;*
As Low As
As Low As
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Model Year: 2025-2027 (new only)
As Low As; Minimum Loan Amount is $15,000.00
Rate subject to change.
As Low As
As Low As
As Low As; Model Year: 2021-2022
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As
Rates as Low as: *
As Low As; *
As Low As; *
2020 or Newer
As Low As; Model Year: 2021-2022
As Low As; Newer (2023-2026)
As Low As; Minimum Loan Amount is $20,000.00
2020 or Newer
As Low As
As Low As
As Low As; Model Year: 2017-2020
As Low As
As Low As
Rates as Low as: *
As Low As; *
As Low As; Minimum Loan Amount is $25,000.00
2020 or Newer
As Low As
2020 or Newer
Rate subject to change.
As Low As
As Low As
As Low As; *
As Low As; *
As Low As; *
As Low As
Rates as Low as: *
As Low As; *
As Low As; Newer (2023-2026)
As Low As
Carbon Used Auto Auto Loan Rates
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
2022 or Newer vehicle
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Model Year: 2023-2027
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: All Years. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Model Year: 2023-2027
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2020 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; Minimum Loan Amount is $1,000.00
Rate subject to change.
Subject to credit approval. Rate may vary based on individual creditworthiness.
As Low As
As Low As; Minimum Loan Amount is $1,000.00
As Low As; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. Vehicle Model Years: 2022 or Newer. APR varies by state, as low as 2.99% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan.
As Low As; *
As Low As; Model Year: 2025-2027 (new only)
As Low As; Used (2019 - 2022)
As Low As; Model Year: 2021-2022
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As; Used (2019 - 2022)
Rates as Low as: *
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $15,000.00
2020 or Newer
Rate subject to change.
As Low As
Rate subject to change.
As Low As; Model Year: 2021-2022
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
2020 or Newer
As Low As
As Low As; Model Year: 2017-2020
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As
$15; As Low As
Rates as Low as: *
As Low As; *
2020 or Newer
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
2019 and older
2020 or Newer
As Low As
As Low As
As Low As; Used (2019 - 2022)
As Low As; *
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $20,000.00
2019 and older
As Low As
$25; As Low As
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Rates as Low as: *
As Low As; *
As Low As
1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Excludes Share Secured Loans, Visa Cards, HELOCs and First & Second Mortgage Products.
As Low As
As Low As; Minimum Loan Amount is $25,000.00
As Low As
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Carbon, IN Auto Loan Rate Trends
Compare local Carbon, IN 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.
Indiana new auto rates rose 0.102 points over the past 7 days to 5.784% APR.
Indiana used auto rates fell 0.093 points over the past 7 days to 6.203% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Carbon, Indiana auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Carbon, Indiana directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Carbon, Indiana. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Carbon, Indiana
How does my credit score affect my car loan rate in Indiana?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Carbon, Indiana?
- United Federal Credit Union: 2.99% (Auto Loan)
- Central Soya Federal Credit Union: 3.49% (New Used Auto Loan)
- Bloomington Municipal Credit Union: 3.59% (Autos & Trucks 2025 & Newer)
- Regional Federal Credit Union: 3.74% (New and Used Auto Loans)
- Clifty Creek Employees Federal Credit Union: 3.75% (2023 - Newer Vehicle Loan)
