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Auto Loan Rates in Ames, Iowa (IA) for March 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Ames, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: March 20, 2026

Current auto loan rates in Ames, Iowa include Members1st Community Credit UnionMembers1st Community Credit Union423 Main St, Ames, IA, 50010A+5.0 ★Texas Ratio: 3.76% offering New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months at 4.49%, Midwest Heritage BankMidwest Heritage Bank640 Lincoln Way, Ames, IA, 50010A+5.0 ★Texas Ratio: 0.99% offering Auto Loan at 5.58%, First National Bank Ames, IowaFirst National Bank Ames, Iowa405 5th St, Ames, IA, 50010A-5.0 ★Texas Ratio: 15.05% offering 2023 and Newer Model Years Auto Loan at 5.95%, Bankers Trust CompanyBankers Trust Company3725 Stange Rd, Ames, IA, 50010A+5.0 ★Texas Ratio: 2.53% offering Auto Loans at 8.01%, Power Co-Op Employees Credit UnionPower Co-Op Employees Credit Union1208 13th St N, Humboldt, IA, 50548B+4.8 ★Texas Ratio: 17.87% offering PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING at 2.49%.

Auto loan rates in Ames, Iowa 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 Ames, Iowa. Auto Loan Rates Last Updated and Verified: March 20, 2026

Compare Auto Loan Rates Today in Ames, Iowa & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
5.58%
60 Months
View
▼
APR5.58%
Term60 Months
Last UpdatedMar 20, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
5.95%
24 Months
View
▼
APR5.95%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.06%
48 Months
View
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.17%
60 Months
View
▼
APR6.17%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.18%
12 Months
View
▼
APR6.18%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
6.38%
48 Months
View
▼
APR6.38%
Term48 Months
Last UpdatedMar 20, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.46%
24 Months
View
▼
APR6.46%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.47%
36 Months
View
▼
APR6.47%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.67%
60 Months
View
▼
APR6.67%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
6.68%
12 Months
View
▼
APR6.68%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
3725 Stange Rd, Ames, IA, 50010
Auto Loans
8.01%
60 Months
View
▼
APR8.01%
Term60 Months
Last UpdatedMar 17, 2026
Details

financing for up to 90% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
3725 Stange Rd, Ames, IA, 50010
Auto Loans
8.26%
72 Months
View
▼
APR8.26%
Term72 Months
Last UpdatedMar 17, 2026
Details

financing for up to 90% of the purchase price with a maximum term of 72 months, based on the year of the vehicle.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
3725 Stange Rd, Ames, IA, 50010
Auto Loans
8.26%
60 Months
View
▼
APR8.26%
Term60 Months
Last UpdatedMar 17, 2026
Details

financing for up to 100% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.29%
36 Months
View
▼
APR8.29%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.32%
24 Months
View
▼
APR8.32%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.47%
48 Months
View
▼
APR8.47%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
3725 Stange Rd, Ames, IA, 50010
Auto Loans
8.51%
72 Months
View
▼
APR8.51%
Term72 Months
Last UpdatedMar 17, 2026
Details

financing for up to 100% of the purchase price with a maximum term of 72 months, based on the year of the vehicle.

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.59%
12 Months
View
▼
APR8.59%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.68%
60 Months
View
▼
APR8.68%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
8.73%
36 Months
View
▼
APR8.73%
Term36 Months
Last UpdatedMar 20, 2026
Details

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
3725 Stange Rd, Ames, IA, 50010
Auto Loans
8.76%
60 Months
View
▼
APR8.76%
Term60 Months
Last UpdatedMar 17, 2026
Details

financing for up to 100% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.79%
36 Months
View
▼
APR8.79%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.82%
24 Months
View
▼
APR8.82%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
8.97%
48 Months
View
▼
APR8.97%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
9.09%
12 Months
View
▼
APR9.09%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2016-2022 Model Years Auto Loan
9.18%
60 Months
View
▼
APR9.18%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
640 Lincoln Way, Ames, IA, 50010
Auto Loan
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedMar 20, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.62%
24 Months
View
▼
APR9.62%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.77%
48 Months
View
▼
APR9.77%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.90%
12 Months
View
▼
APR9.90%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2015 and Older Model Years Auto Loan
9.98%
60 Months
View
▼
APR9.98%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
1208 13th St N, Humboldt, IA, 50548
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMar 15, 2026
Details

As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedMar 18, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.00%
24-36
View
▼
APR4.00%
Term24-36
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 24 Months
4.10%
24 Months
View
▼
APR4.10%
Term24 Months
Last UpdatedMar 17, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan Loyalty
4.14%
60 Months
View
▼
APR4.14%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 11, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 36 Months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
View
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
View
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 48 Months
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.40%
72 Months
View
▼
APR4.40%
Term72 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan Loyalty
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 84 Months

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 11, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
View
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan
4.64%
60 Months
View
▼
APR4.64%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 60 Months
4.65%
60 Months
View
▼
APR4.65%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.65%
60 Months
View
▼
APR4.65%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan Loyalty
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 16, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
View
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
View
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2024 & Newer Auto Loan
4.80%
37 Months
View
▼
APR4.80%
Term37 Months
Last UpdatedMar 13, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
View
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMar 17, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan Loyalty
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
View
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
View
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

up to 72 months

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan Loyalty
4.94%
78 Months
View
▼
APR4.94%
Term78 Months
Last UpdatedMar 18, 2026
Details

As Low As

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
4.94%
60 months
View
▼
APR4.94%
Term60 months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
4.99%
24-60
View
▼
APR4.99%
Term24-60
Last UpdatedMar 17, 2026
Details

As Low As

Peoples Credit Union Webster City, IA
Institution Rating:
B+4.8 ★ Texas Ratio: 17.80%
310 1st ST, Webster City, IA, 50595 2337
Auto Loan
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As; 2024 - 2026

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2023-2021
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 72 Months

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedMar 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedMar 18, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 72 Months
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
View
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.04%
72 months
View
▼
APR5.04%
Term72 months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMar 17, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.05%
24-36
View
▼
APR5.05%
Term24-36
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
View
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan Loyalty
5.09%
78 Months
View
▼
APR5.09%
Term78 Months
Last UpdatedMar 18, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.09%
37 Months
View
▼
APR5.09%
Term37 Months
Last UpdatedMar 13, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan Loyalty
5.14%
84 Months
View
▼
APR5.14%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 84 Months
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2020 Auto Loan
5.15%
60 Months
View
▼
APR5.15%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2023 Auto Loan
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
View
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 20, 2026
Details

up to 84 months

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.19%
84 months
View
▼
APR5.19%
Term84 months
Last UpdatedMar 17, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
View
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
View
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
2020 Auto Loan
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As; Relationship Rate

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2026-2024 Model Years (<60,000 miles)
5.29%
60 Months
View
▼
APR5.29%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.34%
61-72
View
▼
APR5.34%
Term61-72
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan Loyalty
5.34%
84 Months
View
▼
APR5.34%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - New Auto or Truck Purchase/Refinance
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMar 11, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.34%
50 Months
View
▼
APR5.34%
Term50 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
36 Months
View
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2025 Model Auto Loan
5.35%
2025 Mo
View
▼
APR5.35%
Term2025 Mo
Last UpdatedMar 18, 2026
Details

As Low As

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2023-2021 Model Years
5.39%
60 Months
View
▼
APR5.39%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2026-2024 Model Years (<60,000 miles)
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan
5.39%
72 Months
View
▼
APR5.39%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedMar 17, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
View
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMar 17, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMar 17, 2026
Details

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan
5.44%
78 Months
View
▼
APR5.44%
Term78 Months
Last UpdatedMar 18, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.44%
37 Months
View
▼
APR5.44%
Term37 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.44%
48 Months
View
▼
APR5.44%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2023-2021 Model Years
5.49%
66 Months
View
▼
APR5.49%
Term66 Months
Last UpdatedMar 20, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2020-2018
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 72 Months

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
View
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
View
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.49%
66 Months
View
▼
APR5.49%
Term66 Months
Last UpdatedMar 13, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedMar 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedMar 18, 2026
Details

As Low As

The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2024 Model Auto Loan
5.50%
2024 Mo
View
▼
APR5.50%
Term2024 Mo
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
View
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2020-2018 Model Years
5.54%
48 Months
View
▼
APR5.54%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.54%
50 Months
View
▼
APR5.54%
Term50 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan
5.59%
78 Months
View
▼
APR5.59%
Term78 Months
Last UpdatedMar 18, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - Used Auto or Truck Purchase/Refinance
5.59%
72 Months
View
▼
APR5.59%
Term72 Months
Last UpdatedMar 11, 2026
Details

Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedMar 17, 2026
Details

As Low As

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA, 52101 2412
Auto Loans - New vehicles only
5.59%
60 months or less
View
▼
APR5.59%
Term60 months or less
Last UpdatedMar 20, 2026
Details

As Low As

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2020-2018 Model Years
5.64%
54 Months
View
▼
APR5.64%
Term54 Months
Last UpdatedMar 20, 2026
Details

As Low As

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2024 to 2026 Auto Loan
5.64%
84 Months
View
▼
APR5.64%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.64%
66 Months
View
▼
APR5.64%
Term66 Months
Last UpdatedMar 13, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
60 Months
View
▼
APR5.64%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2023 Model Auto Loan
5.65%
2023 Mo
View
▼
APR5.65%
Term2023 Mo
Last UpdatedMar 18, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.66%
36 Months
View
▼
APR5.66%
Term36 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2023-2021 Model Years
5.69%
72 Months
View
▼
APR5.69%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
View
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2020-2018 Model Years
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Vehicle Loans
5.74%
24-48
View
▼
APR5.74%
Term24-48
Last UpdatedMar 11, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedMar 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2021 - 2019 Auto Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2017 & Older Model Years
5.79%
36 Months
View
▼
APR5.79%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
New Auto Loans
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
View
▼
APR5.79%
Term66-72
Last UpdatedMar 16, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
View
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2023 - 2022 Auto Loan
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMar 13, 2026
Details

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.79%
73-84
View
▼
APR5.79%
Term73-84
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

Collins Community Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
2021 to 2023 Auto Loan
5.84%
84 Months
View
▼
APR5.84%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.84%
60 Months
View
▼
APR5.84%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2022 Model Auto Loan
5.85%
2022 Mo
View
▼
APR5.85%
Term2022 Mo
Last UpdatedMar 18, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMar 16, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Used Vehicle Loans
5.91%
60 Months
View
▼
APR5.91%
Term60 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Farmers State Bank Waterloo, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.41%
131 Tower Park Dr, Waterloo, IA, 50701
Automobiles 10 2017 & Older Model Years
5.94%
42 Months
View
▼
APR5.94%
Term42 Months
Last UpdatedMar 20, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023
5.94%
66 Months
View
▼
APR5.94%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

The State Bank of Toledo
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
100 E High St, Toledo, IA, 52342
2025 Model Auto Loan
5.95%
2025 Mo
View
▼
APR5.95%
Term2025 Mo
Last UpdatedMar 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMar 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Vehicle Loans - 2023-2026
5.97%
24 Months
View
▼
APR5.97%
Term24 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details

Up to 72 months

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
5.95%
24 Months
View
▼
APR5.95%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.06%
48 Months
View
▼
APR6.06%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.17%
60 Months
View
▼
APR6.17%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
6.18%
12 Months
View
▼
APR6.18%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.29%
36 Months
View
▼
APR8.29%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.32%
24 Months
View
▼
APR8.32%
Term24 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.47%
48 Months
View
▼
APR8.47%
Term48 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.59%
12 Months
View
▼
APR8.59%
Term12 Months
Last UpdatedMar 20, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
2023 and Newer Model Years Auto Loan
8.68%
60 Months
View
▼
APR8.68%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
1208 13th St N, Humboldt, IA, 50548
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMar 15, 2026
Details

As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedMar 18, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.00%
24-36
View
▼
APR4.00%
Term24-36
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 24 Months
4.10%
24 Months
View
▼
APR4.10%
Term24 Months
Last UpdatedMar 17, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 11, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 36 Months
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
View
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.25%
60 Months
View
▼
APR4.25%
Term60 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
View
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 48 Months
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.40%
72 Months
View
▼
APR4.40%
Term72 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 84 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
View
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
New Car, Truck or SUV
4.50%
84 Months
View
▼
APR4.50%
Term84 Months
Last UpdatedMar 13, 2026
Details

Model years 2021 to 2026

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 60 Months
4.65%
60 Months
View
▼
APR4.65%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 16, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
View
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
View
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.42%
3465 ASBURY RD, DUBUQUE, IA, 52002
2024 & Newer Auto Loan
4.80%
37 Months
View
▼
APR4.80%
Term37 Months
Last UpdatedMar 13, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
View
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMar 17, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
View
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
View
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

up to 72 months

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedMar 18, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 72 Months
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
View
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
View
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks 84 Months
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
View
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 20, 2026
Details

up to 84 months

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
View
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMar 17, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
View
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - New Auto or Truck Purchase/Refinance
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMar 11, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
View
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMar 17, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
View
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
View
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
View
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details

As Low As

Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.80%
915 Short St Ste 105, Decorah, IA, 52101 2412
Auto Loans - New vehicles only
5.59%
60 months or less
View
▼
APR5.59%
Term60 months or less
Last UpdatedMar 20, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
View
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedMar 18, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
New Auto Loans
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
View
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMar 16, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
809 Clark St, Charles City, IA, 50616
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
423 Main St, Ames, IA, 50010
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months**
View
▼
APR4.25%
TermUp to 24 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.39%
1-36
View
▼
APR4.39%
Term1-36
Last UpdatedMar 13, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.40%
48 Months
View
▼
APR4.40%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 11, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months**
View
▼
APR4.50%
TermUp to 36 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.65%
60 Months
View
▼
APR4.65%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months**
View
▼
APR4.75%
TermUp to 48 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.79%
37-63
View
▼
APR4.79%
Term37-63
Last UpdatedMar 13, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.80%
Up to 60 Months
View
▼
APR4.80%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.89%
64-69
View
▼
APR4.89%
Term64-69
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
4.90%
61-72 Months
View
▼
APR4.90%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
24 Months
View
▼
APR4.95%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months**
View
▼
APR5.00%
TermUp to 60 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - Relationship Rate
5.00%
84 Months
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.05%
24-36
View
▼
APR5.05%
Term24-36
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.05%
Up to 60 Months
View
▼
APR5.05%
TermUp to 60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.15%
61-72 Months
View
▼
APR5.15%
Term61-72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.19%
1 - 48
View
▼
APR5.19%
Term1 - 48
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months**
View
▼
APR5.25%
TermUp to 72 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer - 100% of NADA Retail
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
36 Months
View
▼
APR5.34%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.39%
49-63
View
▼
APR5.39%
Term49-63
Last UpdatedMar 13, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMar 17, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.44%
48 Months
View
▼
APR5.44%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.45%
60 Months
View
▼
APR5.45%
Term60 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.49%
1-36
View
▼
APR5.49%
Term1-36
Last UpdatedMar 13, 2026
Details

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2022-2020)
5.49%
64-72
View
▼
APR5.49%
Term64-72
Last UpdatedMar 13, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedMar 18, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months**
View
▼
APR5.50%
TermUp to 84 Months**
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.54%
36 Months
View
▼
APR5.54%
Term36 Months
Last UpdatedMar 15, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedMar 16, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
72 Month - Used Auto or Truck Purchase/Refinance
5.59%
72 Months
View
▼
APR5.59%
Term72 Months
Last UpdatedMar 11, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
60 Months
View
▼
APR5.64%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.69%
37-48
View
▼
APR5.69%
Term37-48
Last UpdatedMar 13, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
48 Months
View
▼
APR5.74%
Term48 Months
Last UpdatedMar 15, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMar 15, 2026
Details

As Low As

Dubuque Postal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
1155 LORAS BLVD, DUBUQUE, IA, 52001
Used Car, Truck or SUV
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMar 13, 2026
Details

Model years 2014 to 2020

Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2019-2017)
5.79%
49-60
View
▼
APR5.79%
Term49-60
Last UpdatedMar 13, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.84%
60 Months
View
▼
APR5.84%
Term60 Months
Last UpdatedMar 15, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
13300 Hickman Rd, Clive, IA, 50325 8616
Used Vehicle Loans
5.91%
60 Months
View
▼
APR5.91%
Term60 Months
Last UpdatedMar 17, 2026
Details

100% Financing of J.D. Power Value APR based on $25,000 Loan and $250 fee

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023
5.94%
66 Months
View
▼
APR5.94%
Term66 Months
Last UpdatedMar 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMar 17, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
2118 Middle Rd, Bettendorf, IA, 52722
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 17, 2026
Details

Up to 72 months

Frequently Asked Questions about Auto Loans in Ames, Iowa

How does my credit score affect my car loan rate in Iowa?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Ames, Iowa 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 Iowa *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 Ames, Iowa 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 Ames, Iowa?

Based on our current data, some of the lowest auto loan rates available in Ames, Iowa include:
  • Members1st Community Credit Union: 4.49% (New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months)
  • Midwest Heritage Bank: 5.58% (Auto Loan)
  • First National Bank Ames, Iowa: 5.95% (2023 and Newer Model Years Auto Loan)
  • Bankers Trust Company: 8.01% (Auto Loans)
  • Power Co-Op Employees Credit Union: 2.49% (PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Ames, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026

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