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Auto Loan Rates in Centerville, Iowa (IA) for May 2026

Content reviewed by
Brian McKay Brian McKay
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 Centerville, 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: May 4, 2026

Current auto loan rates in Centerville, Iowa include Industrial Employees Credit UnionIndustrial Employees Credit Union1513 S 18th St, Centerville, IA, 52544A+5.0 ★Texas Ratio: 0.00% offering New Vehicle at 4.90%, Power Co-Op Employees Credit UnionPower Co-Op Employees Credit UnionB+4.8 ★Texas Ratio: 17.87% offering PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS at 2.49%, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Vehicle 2025 - Newer at 3.99%, Advantage Credit Union Newtown, IAAdvantage Credit Union Newtown, IAA5.0 ★Texas Ratio: 11.83% offering New Autos & Trucks 24 Months at 4.00%, Serve Credit UnionServe Credit UnionA+5.0 ★Texas Ratio: 2.97% offering NEW VEHICLES 2025 & Newer at 4.09%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Centerville has 1 local institution in our database, with auto loan rates as low as 4.90% APR from Industrial Employees Credit Union at 1513 S 18th St, Centerville, IA, 52544. 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 Centerville, Iowa. Auto Loan Rates Last Updated and Verified: May 4, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedApr 19, 2026
Details

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 UpdatedApr 19, 2026
Details

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMay 2, 2026
Details

*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loans
4.39%
60 months
View
▼
APR4.39%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; for 60 months

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans 2023-2021
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

as low as

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMay 2, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans 2020-2018
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48 Months
View
▼
APR5.74%
Term24-48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans 2025-New
5.79%
Up to 84 months
View
▼
APR5.79%
TermUp to 84 months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMay 3, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMay 2, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
5.95%
24 Months
View
▼
APR5.95%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans 2017 or Older
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 3, 2026
Details

Up to 72 months

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.06%
48 Months
View
▼
APR6.06%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.17%
60 Months
View
▼
APR6.17%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.18%
12 Months
View
▼
APR6.18%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedMay 2, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
Auto Loan
6.38%
72 Months
View
▼
APR6.38%
Term72 Months
Last UpdatedMay 3, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.46%
24 Months
View
▼
APR6.46%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.47%
36 Months
View
▼
APR6.47%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
Auto Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2023 to 2017 Auto Loan
6.53%
60 Months
View
▼
APR6.53%
Term60 Months
Last UpdatedMay 3, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2023 to 2017 Auto Loan
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2023 to 2017 Auto Loan
6.62%
36 Months
View
▼
APR6.62%
Term36 Months
Last UpdatedMay 3, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.67%
60 Months
View
▼
APR6.67%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.68%
12 Months
View
▼
APR6.68%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
Auto Loan
7.00%
48 Months
View
▼
APR7.00%
Term48 Months
Last UpdatedMay 3, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2020-2027
7.19%
66 Months
View
▼
APR7.19%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months Relationship Rate
7.34%
48 Months
View
▼
APR7.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
View
▼
APR7.34%
Term60 Months
Last UpdatedMay 3, 2026
Details

Up to 60 months

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months Relationship Rate
7.54%
60 Months
View
▼
APR7.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
48 Months
View
▼
APR7.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.74%
3 Years
View
▼
APR7.74%
Term3 Years
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
View
▼
APR7.79%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.99%
4 Years
View
▼
APR7.99%
Term4 Years
Last UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2016 or Older Auto Loan
8.20%
36 Months
View
▼
APR8.20%
Term36 Months
Last UpdatedMay 3, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.29%
36 Months
View
▼
APR8.29%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.32%
24 Months
View
▼
APR8.32%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
Auto Loan
8.38%
36 Months
View
▼
APR8.38%
Term36 Months
Last UpdatedMay 3, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.47%
48 Months
View
▼
APR8.47%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.59%
12 Months
View
▼
APR8.59%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.68%
60 Months
View
▼
APR8.68%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.79%
36 Months
View
▼
APR8.79%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.82%
24 Months
View
▼
APR8.82%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.97%
48 Months
View
▼
APR8.97%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
9.09%
12 Months
View
▼
APR9.09%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
9.18%
60 Months
View
▼
APR9.18%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2006-2019
9.19%
66 Months
View
▼
APR9.19%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 3, 2026
Details

Up to 36 months

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.62%
24 Months
View
▼
APR9.62%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.77%
48 Months
View
▼
APR9.77%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.90%
12 Months
View
▼
APR9.90%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.98%
60 Months
View
▼
APR9.98%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2025-2027 Only
11.19%
84 Months
View
▼
APR11.19%
Term84 Months
Last UpdatedApr 18, 2026
Details

Over $25,000; As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 UpdatedApr 19, 2026
Details

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 UpdatedApr 19, 2026
Details

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMay 2, 2026
Details

*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 25, 2026
Details

as low as

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMay 2, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans 2025-New
5.79%
Up to 84 months
View
▼
APR5.79%
TermUp to 84 months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMay 3, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
2024 or Newer Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 3, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMay 2, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 3, 2026
Details

Up to 72 months

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
View
▼
APR7.34%
Term60 Months
Last UpdatedMay 3, 2026
Details

Up to 60 months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 3, 2026
Details

Up to 36 months

Centerville, IA Auto Loan Rate Trends

Compare local Centerville, IA 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.

View Full Iowa Auto Trends →
New Auto Loan — IA Avg
4.797%
▼ 0.212 vs 7 days ago

Iowa new auto rates fell 0.212 points over the past 7 days to 4.797% APR.

Used Auto Loan — IA Avg
5.934%
▼ 0.470 vs 7 days ago

Iowa used auto rates fell 0.470 points over the past 7 days to 5.934% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Centerville, 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 Centerville, 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 Centerville, 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 Centerville, Iowa?

Based on our current data, some of the lowest auto loan rates available in Centerville, Iowa include:
  • Industrial Employees Credit Union: 4.90% (New Vehicle)
  • Power Co-Op Employees Credit Union: 2.49% (PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS)
  • Cent Credit Union: 3.99% (New Vehicle 2025 - Newer)
  • Advantage Credit Union Newtown, IA: 4.00% (New Autos & Trucks 24 Months)
  • Serve Credit Union: 4.09% (NEW VEHICLES 2025 & Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Centerville, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 4, 2026

Centerville, Iowa Rates & Resources

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