Auto Loan Rates in Iowa (IA) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Iowa include Cent Credit UnionCent Credit Union3124 4th St SW, Mason City, IA, 50401 1522A+5.0 ★Texas Ratio: 2.76% offering New Vehicle 2025 - Newer Loan at 3.99%, Advantage Credit Union Newtown, IAAdvantage Credit Union Newtown, IA121 W 3rd St N, Newton, IA, 50208 3040A5.0 ★Texas Ratio: 10.64% offering New Autos & Trucks - 24 Months at 4.00%, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.86% offering NEW VEHICLES 2025 & Newer Loan at 4.09%, Midland Credit UnionMidland Credit Union2891 106TH ST, URBANDALE, IA, 50322 3772A+5.0 ★Texas Ratio: 4.30% offering New Auto (2025-Newer) at 4.10%, Meridian Credit UnionMeridian Credit Union1206 N Jefferson St, Ottumwa, IA, 52501 2020A+5.0 ★Texas Ratio: 2.10% offering New or Used Vehicles Loans at 4.25%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Iowa side-by-side. Iowa auto loan rates currently start as low as 3.99% APR from Cent Credit Union at 3124 4th St SW, Mason City, IA, 50401 1522. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Iowa
Iowa Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
3.99%
0 - 60 Months
▼
APR3.99%
Term0 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.09%
36 months
▼
APR4.09%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedJun 16, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low as
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
4.49%
24-63 Months
▼
APR4.49%
Term24-63 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
1831 25th St, West Des Moines, IA, 50266 1416
Auto Loans
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; qualifying auto loans
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loan
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025 Or Newer
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.49%
61 - 72 Months
▼
APR4.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
New Auto 36 Month
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedJun 16, 2026
Details
New Auto or Truck Purchase/Refinance
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low as
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.59%
60 months
▼
APR4.59%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
4.74%
24-60 months (2024-2026)*
▼
APR4.74%
Term24-60 months (2024-2026)*
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJun 16, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
Used Auto 36 Month
4.79%
36 Month
▼
APR4.79%
Term36 Month
Last UpdatedJun 16, 2026
Details
Used Auto or Truck Purchase/Refinance
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.79%
72 months
▼
APR4.79%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 72 Months
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low as
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
3465 ASBURY RD, DUBUQUE, IA, 52002
Auto Loan
4.80%
84 months
▼
APR4.80%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; 80 Years in the Driver's Seat. Celebrate with auto loans as low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.84%
36 months
▼
APR4.84%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedJun 16, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.89%
84 months
▼
APR4.89%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJun 16, 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 Loan
4.90%
up to 72 months
▼
APR4.90%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
APR effective 10/1/2025
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate: 4.95% APR*
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
Fixed; 5.404%
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
4.99%
64-75 Months
▼
APR4.99%
Term64-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Apply Online
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
60-month Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
4.99%
72 months (2023-2026)
▼
APR4.99%
Term72 months (2023-2026)
Last UpdatedJun 16, 2026
Details
Peoples Credit Union Webster City, IA
Institution Rating:
B+4.8 ★ Texas Ratio: 15.37%
310 1st ST, Webster City, IA, 50595 2337
Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Year: 2024 - 2026
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024-2022
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.99%
73 - 84 Months
▼
APR4.99%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
4.99%
0 - 60 Months
▼
APR4.99%
Term0 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedJun 16, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedJun 16, 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 Loan
5.15%
up to 84 months
▼
APR5.15%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
APR effective 10/1/2025
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
5.19%
61-72 months
▼
APR5.19%
Term61-72 months
Last UpdatedJun 16, 2026
Details
Apply Online
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.24%
84 months (2025-2026)
▼
APR5.24%
Term84 months (2025-2026)
Last UpdatedJun 16, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
New Auto Loan
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedJun 16, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
5.29%
73-84 months
▼
APR5.29%
Term73-84 months
Last UpdatedJun 16, 2026
Details
Apply Online
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.34%
48 months
▼
APR5.34%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedJun 16, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.44%
36 months
▼
APR5.44%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.44%
84 months
▼
APR5.44%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
5.49%
76-84 Months
▼
APR5.49%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Vehicle Loans
5.49%
24-48 Months
▼
APR5.49%
Term24-48 Months
Last UpdatedJun 16, 2026
Details
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2017 or older Auto Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2018 - 2019 Auto Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.49%
61 - 72 Months
▼
APR5.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
5.49%
24-48 months (2017-2018)
▼
APR5.49%
Term24-48 months (2017-2018)
Last UpdatedJun 16, 2026
Details
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loan
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021-2019
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
5.49%
85-120 Months
▼
APR5.49%
Term85-120 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
5.49%
61 - 72 Months
▼
APR5.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.54%
60 months
▼
APR5.54%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA, 52101 2412
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedJun 16, 2026
Details
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.64%
48 months
▼
APR5.64%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.64%
72 months
▼
APR5.64%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
5.74%
24-63 Months
▼
APR5.74%
Term24-63 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As;*
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 66 months Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 72 months Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 66 months Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 72 months Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
5.74%
Up to 48
▼
APR5.74%
TermUp to 48
Last UpdatedJun 16, 2026
Details
Apply Online
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
Used Auto Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJun 16, 2026
Details
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%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2025-New
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
5.79%
Up to 36 Months
▼
APR5.79%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 66 months Loan
5.94%
66 months
▼
APR5.94%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 72 months Loan
5.94%
72 months
▼
APR5.94%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedJun 16, 2026
Details
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%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As;*
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 84 months Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 84 months Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
5.99%
49-54
▼
APR5.99%
Term49-54
Last UpdatedJun 16, 2026
Details
Apply Online
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2020 - 2022 Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loan
5.99%
Up to 48 Months
▼
APR5.99%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2018 or Older
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
5.99%
73 - 84 Months
▼
APR5.99%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
2015 & Older Vehicles Loan
6.00%
36 months
▼
APR6.00%
Term36 months
Last UpdatedJun 16, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.04%
37-48 Months
▼
APR6.04%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 66 months Loan
6.09%
66 months
▼
APR6.09%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 72 months Loan
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
6.09%
Up to 42 months
▼
APR6.09%
TermUp to 42 months
Last UpdatedJun 16, 2026
Details
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA, 52101 2412
Auto Loans - 6 years old or older
6.12%
48 Months or less
▼
APR6.12%
Term48 Months or less
Last UpdatedJun 16, 2026
Details
As Low As; Used vehicle 6 years or older. Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
6.14%
up to 60
▼
APR6.14%
Termup to 60
Last UpdatedJun 16, 2026
Details
As Low As; Loyalty APR; Vehicle Year: 2020 - 2018
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 48 months Loan
6.19%
48 months
▼
APR6.19%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 66 months Loan
6.19%
66 months
▼
APR6.19%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 72 months Loan
6.19%
72 months
▼
APR6.19%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
6.24%
64-75 Months
▼
APR6.24%
Term64-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
6.24%
24-48 months (2017-2018)
▼
APR6.24%
Term24-48 months (2017-2018)
Last UpdatedJun 16, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 48 months Loan
6.29%
48 months
▼
APR6.29%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 66 months Loan
6.29%
66 months
▼
APR6.29%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 84 months Loan
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
6.29%
61-66
▼
APR6.29%
Term61-66
Last UpdatedJun 16, 2026
Details
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.29%
49-60 Months
▼
APR6.29%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
6.34%
43-48 months
▼
APR6.34%
Term43-48 months
Last UpdatedJun 16, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedJun 16, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 48 months Loan
6.39%
48 months
▼
APR6.39%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 66 months Loan
6.39%
66 months
▼
APR6.39%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 72 months Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 84 months Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
6.49%
85-120 Months
▼
APR6.49%
Term85-120 Months
Last UpdatedJun 16, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
6.54%
67-72
▼
APR6.54%
Term67-72
Last UpdatedJun 16, 2026
Details
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2018 48 months Loan
6.59%
48 months
▼
APR6.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2018
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
6.64%
up to 60
▼
APR6.64%
Termup to 60
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2020 - 2018
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2017 48 months Loan
6.69%
48 months
▼
APR6.69%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2017
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2018 60 months Loan
6.69%
60 months
▼
APR6.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2018
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 72 months Loan
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2017 60 months Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2017
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
6.79%
61-66
▼
APR6.79%
Term61-66
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2019 - 2017
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2020-2027 Vehicle Loan
6.94%
Up to 66 Months
▼
APR6.94%
TermUp to 66 Months
Last UpdatedJun 16, 2026
Details
Model Year: 2020-2027
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
6.99%
0 - 60 Months
▼
APR6.99%
Term0 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
2015 & Older Vehicles Loan
7.00%
36 months
▼
APR7.00%
Term36 months
Last UpdatedJun 16, 2026
Details
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loan
7.00%
Up to 120 Months
▼
APR7.00%
TermUp to 120 Months
Last UpdatedJun 16, 2026
Details
As low as
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Auto Loan
7.04%
67-72
▼
APR7.04%
Term67-72
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2019 - 2017
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
7.24%
76-84 Months
▼
APR7.24%
Term76-84 Months
Last UpdatedJun 16, 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 2016 - 2022
7.34%
Up to 60 months
▼
APR7.34%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.34%
Up to 48 Months
▼
APR7.34%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As low as APR*
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As low as APR*
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.54%
36 months
▼
APR7.54%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
Up to 48 Months
▼
APR7.59%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As low as APR*
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
▼
APR7.79%
Term60 Months
Last UpdatedJun 16, 2026
Details
As low as APR*
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
7.99%
61 - 72 Months
▼
APR7.99%
Term61 - 72 Months
Last UpdatedJun 16, 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
Auto Loan
8.29%
36 Months
▼
APR8.29%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Special APR: 5.97%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.32%
24 Months
▼
APR8.32%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low As; Special APR: 5.95%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.47%
48 Months
▼
APR8.47%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Special APR: 6.06%
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
2016-2018 Auto Loan
8.49%
24-63 Months
▼
APR8.49%
Term24-63 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
8.49%
24-63 Months
▼
APR8.49%
Term24-63 Months
Last UpdatedJun 16, 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
Auto Loan
8.59%
12 Months
▼
APR8.59%
Term12 Months
Last UpdatedJun 16, 2026
Details
As Low As; Special APR: 6.18%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
8.68%
60 Months
▼
APR8.68%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Special APR: 6.17%
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2016 & Older 36 months Loan
8.74%
36 months
▼
APR8.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2016 & Older
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
2019 Grant St, Bettendorf, IA, 52722
Vehicle Loan
8.74%
24-36 months (2016 or older)
▼
APR8.74%
Term24-36 months (2016 or older)
Last UpdatedJun 16, 2026
Details
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2006-2019 Vehicle Loan
8.94%
Up to 66 Months
▼
APR8.94%
TermUp to 66 Months
Last UpdatedJun 16, 2026
Details
Model Year: 2006-2019
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
2016-2018 Auto Loan
8.99%
64-75 Months
▼
APR8.99%
Term64-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
8.99%
64-75 Months
▼
APR8.99%
Term64-75 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Signature/Vehicle Loan
8.99%
Based on Model Year
▼
APR8.99%
TermBased on Model Year
Last UpdatedJun 16, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
8.99%
73 - 84 Months
▼
APR8.99%
Term73 - 84 Months
Last UpdatedJun 16, 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
Auto Loan
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedJun 16, 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 2015 or older
9.59%
Up to 36 months
▼
APR9.59%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
405 5th St, Ames, IA, 50010
Auto Loan
9.62%
24 Months
▼
APR9.62%
Term24 Months
Last UpdatedJun 16, 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
Auto Loan
9.77%
48 Months
▼
APR9.77%
Term48 Months
Last UpdatedJun 16, 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
Auto Loan
9.90%
12 Months
▼
APR9.90%
Term12 Months
Last UpdatedJun 16, 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
Auto Loan
9.98%
60 Months
▼
APR9.98%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
4343 Utica Ridge Rd, Bettendorf, IA, 52722
2025-2027 Vehicle Loan
10.94%
76-84 Months
▼
APR10.94%
Term76-84 Months
Last UpdatedJun 16, 2026
Details
Model Year: 2025-2027; Only Over $25,000
Powered by
MonitorBankRates
Iowa New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
3.99%
0 - 60 Months
▼
APR3.99%
Term0 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.09%
36 months
▼
APR4.09%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedJun 16, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.49%
61 - 72 Months
▼
APR4.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
New Auto 36 Month
4.54%
36 Month
▼
APR4.54%
Term36 Month
Last UpdatedJun 16, 2026
Details
New Auto or Truck Purchase/Refinance
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.59%
60 months
▼
APR4.59%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJun 16, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.79%
72 months
▼
APR4.79%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedJun 16, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.89%
84 months
▼
APR4.89%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedJun 16, 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 Loan
4.90%
up to 72 months
▼
APR4.90%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
APR effective 10/1/2025
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate: 4.95% APR*
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
Fixed; 5.404%
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.99%
73 - 84 Months
▼
APR4.99%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedJun 16, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks - 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low as:
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedJun 16, 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 Loan
5.15%
up to 84 months
▼
APR5.15%
Termup to 84 months
Last UpdatedJun 16, 2026
Details
APR effective 10/1/2025
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
New Auto Loan
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedJun 16, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.49%
61 - 72 Months
▼
APR5.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
5.49%
85-120 Months
▼
APR5.49%
Term85-120 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
915 Short St Ste 105, Decorah, IA, 52101 2412
Auto Loans - New vehicles only
5.59%
60 months or less
▼
APR5.59%
Term60 months or less
Last UpdatedJun 16, 2026
Details
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As;*
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedJun 16, 2026
Details
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%
Up to 84 months
▼
APR5.79%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
As Low As; Age of Vehicle: 2025-New
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
5.79%
Up to 36 Months
▼
APR5.79%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
New Vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As;*
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
159 Colorado St, Muscatine, IA, 52761
2023 - New Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.04%
37-48 Months
▼
APR6.04%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.29%
49-60 Months
▼
APR6.29%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
Powered by
MonitorBankRates
Iowa Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low as
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low as
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.59%
48 months
▼
APR4.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.69%
60 months
▼
APR4.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.74%
72 Months
▼
APR4.74%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
3200 Main St, KEOKUK, IA, 52632
Used Auto 36 Month
4.79%
36 Month
▼
APR4.79%
Term36 Month
Last UpdatedJun 16, 2026
Details
Used Auto or Truck Purchase/Refinance
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 72 Months
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedJun 16, 2026
Details
Relationship Rate; As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.84%
36 months
▼
APR4.84%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.89%
72 months
▼
APR4.89%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.94%
48 months
▼
APR4.94%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate: 4.95% APR*
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedJun 16, 2026
Details
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
4.99%
0 - 60 Months
▼
APR4.99%
Term0 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.04%
60 months
▼
APR5.04%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks - 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; *
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.34%
48 months
▼
APR5.34%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedJun 16, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.44%
36 months
▼
APR5.44%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.44%
84 months
▼
APR5.44%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
5.49%
61 - 72 Months
▼
APR5.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
Model Years 2020-2022; As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
5.49%
61 - 72 Months
▼
APR5.49%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; **
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.54%
60 months
▼
APR5.54%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.64%
48 months
▼
APR5.64%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.64%
72 months
▼
APR5.64%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 66 months Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 72 months Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 66 months Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 72 months Loan
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
801 Avenue F, Fort Madison, IA, 52627
Used Auto Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
5.79%
Up to 36 Months
▼
APR5.79%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 66 months Loan
5.94%
66 months
▼
APR5.94%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 72 months Loan
5.94%
72 months
▼
APR5.94%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedJun 16, 2026
Details
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%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2024 84 months Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2024
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2025 84 months Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2025
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
5.99%
73 - 84 Months
▼
APR5.99%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.04%
37-48 Months
▼
APR6.04%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 66 months Loan
6.09%
66 months
▼
APR6.09%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 72 months Loan
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 48 months Loan
6.19%
48 months
▼
APR6.19%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 66 months Loan
6.19%
66 months
▼
APR6.19%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2021 72 months Loan
6.19%
72 months
▼
APR6.19%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2021
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 48 months Loan
6.29%
48 months
▼
APR6.29%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 66 months Loan
6.29%
66 months
▼
APR6.29%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2023 84 months Loan
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2023
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks Model Years 2017-2019
6.29%
49-60 Months
▼
APR6.29%
Term49-60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Online
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
2891 106TH ST, URBANDALE, IA, 50322 3772
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedJun 16, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 48 months Loan
6.39%
48 months
▼
APR6.39%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 66 months Loan
6.39%
66 months
▼
APR6.39%
Term66 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2020 72 months Loan
6.49%
72 months
▼
APR6.49%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2020
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2022 84 months Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2022
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2018 - 2024 Loan
6.49%
85-120 Months
▼
APR6.49%
Term85-120 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2018 48 months Loan
6.59%
48 months
▼
APR6.59%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2018
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2017 48 months Loan
6.69%
48 months
▼
APR6.69%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2017
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2018 60 months Loan
6.69%
60 months
▼
APR6.69%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2018
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2019 72 months Loan
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2019
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2017 60 months Loan
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2017
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
6.99%
0 - 60 Months
▼
APR6.99%
Term0 - 60 Months
Last UpdatedJun 16, 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 2016 - 2022
7.34%
Up to 60 months
▼
APR7.34%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.54%
36 months
▼
APR7.54%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.74%
48 months
▼
APR7.74%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
7.99%
61 - 72 Months
▼
APR7.99%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
425 1st Ave SW, Cedar Rapids, IA, 52405
Used Vehicles 2016 & Older 36 months Loan
8.74%
36 months
▼
APR8.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Model Year: 2016 & Older
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
3124 4th St SW, Mason City, IA, 50401 1522
Used Vehicle 2017 - Older Loan
8.99%
73 - 84 Months
▼
APR8.99%
Term73 - 84 Months
Last UpdatedJun 16, 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 2015 or older
9.59%
Up to 36 months
▼
APR9.59%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Iowa Auto Loan Rate Trends
Compare local Iowa auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — IA Avg
5.120%
▲ 0.026 vs 7 days ago
Iowa new auto rates rose 0.026 points over the past 7 days to 5.120% APR.
Used Auto Loan — IA Avg
6.176%
▲ 0.100 vs 7 days ago
Iowa used auto rates rose 0.100 points over the past 7 days to 6.176% APR.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in 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 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 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 Iowa?
Based on our current data, some of the lowest auto loan rates available in Iowa include:
- Cent Credit Union: 3.99% (New Vehicle 2025 - Newer Loan)
- Advantage Credit Union Newtown, IA: 4.00% (New Autos & Trucks - 24 Months)
- Serve Credit Union: 4.09% (NEW VEHICLES 2025 & Newer Loan)
- Midland Credit Union: 4.10% (New Auto (2025-Newer))
- Meridian Credit Union: 4.25% (New or Used Vehicles Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in Iowa
Rate Assistant
MonitorBankRates.com · Live Data
Try asking