Current auto loan rates in Richmond, Indiana include Health Care Professionals Federal Credit UnionHealth Care Professionals Federal Credit Union1810 Williamsburg Pike, Richmond, IN, 47374A+5.0 ★Texas Ratio: 0.20% offering New Vehicles at 4.50%, Natco Credit UnionNatco Credit Union582 S ROUND BARN RD, RICHMOND, IN, 47374 4435A+5.0 ★Texas Ratio: 5.02% offering Vehicle loans - new or used at 4.95%, Perfect Circle Credit UnionPerfect Circle Credit Union77 S 37th St, Richmond, IN, 47374A+5.0 ★Texas Ratio: 5.55% offering New Auto at 5.00%, Baxter Credit UnionBaxter Credit Union927 S Curry Pike, Bloomington, IN, 47403 2624A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Central Soya Federal Credit UnionCentral Soya Federal Credit Union1200 N 2nd St, Decatur, IN, 46733 1160A+5.0 ★Texas Ratio: 0.08% offering New Vehicle Loan at 3.49%. Auto loan rates as of March 24, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Richmond, Indiana are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Richmond, Indiana. Auto Loan Rates Last Updated and Verified: March 24, 2026
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Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range.
Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range.
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2021 & Newer; Max 72 months
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2019 - 2020; Max 72 months
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2015 - 2017; 72 Months
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Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.
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Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range.
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Rates are based on the representative credit score and LTV. APR disclosed is for "A" credit and may not be applicable to all. Please note: Vehicle is considered used, for any model year, if it has 20,000 or more miles. *APR - Annual Percentage Rate. Annual Percentage Rate based on credit qualifications. Rate subject to change.
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Special rates listed above are limited to A+ tiers only. Minimum loan amount is $10,000. Other rates and terms are available. Rates may vary according to credit worthiness and are subject to change without notice. Loans on 2016 vehicles and motorcycles cannot exceed 75% of retail. All payment examples are based upon a $20,000 loan for highest term listed in range.
As Low As; Vehicle Model Years: All Years**
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As Low As; Using 10,000 Loyalty Points APR as low as 3.89%
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2021 & Newer; Max 72 months
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2015 - 2017; 72 Months
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