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  7. Auto Loan Rate Trends

Illinois Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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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.
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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 Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Illinois auto loan rates range from 2.99% to 4.50% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Illinois include Polish And Slavic Federal Credit UnionPolish And Slavic Federal Credit Union1141 Mount Prospect Plz, Mount Prospect, IL, 60056A+5.0 ★Texas Ratio: 1.64% offering New Auto Loan at 2.99%, Chicago Firefighters Credit UnionChicago Firefighters Credit Union6230 S Central Ave, Chicago, IL, 60638A+5.0 ★Texas Ratio: 0.28% offering New Vehicle Loan at 3.00%, Canals And Trails Credit UnionCanals And Trails Credit Union838 S State St, Lockport, IL, 60441 3434A+5.0 ★Texas Ratio: 0.47% offering New Auto Loan at 3.00%, ABD Federal Credit UnionABD Federal Credit Union892 BELVIDERE RD, BELVIDERE, IL, 61008 9302A+5.0 ★Texas Ratio: 2.28% offering New and Used Auto Loans at 3.25%, Western Springs Federal Credit UnionWestern Springs Federal Credit Union810 Hillgrove Ave, Western Springs, IL, 60558A+5.0 ★Texas Ratio: 0.98% offering New Car Loan at 3.25%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Illinois side-by-side. Illinois auto loan rates currently start as low as 2.99% APR from Polish And Slavic Federal Credit Union at 1141 Mount Prospect Plz, Mount Prospect, IL, 60056. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Illinois. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Illinois

Jump to: All Auto Loans · New Auto · Used Auto

Illinois Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
4 years
View
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
3 years
View
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
2 years
View
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
1 year
View
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.00%
36 months
View
▼
APR3.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
Canals And Trails Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
838 S State St, Lockport, IL, 60441 3434
New Auto Loan
3.00%
36-month
View
▼
APR3.00%
Term36-month
Last UpdatedOct 10, 2026
Details

Rates as low as 3.00% APR on qualifying 2025-2026 vehicle loans.

Rate History
No change since Sep 27, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APRSep 27, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car Loan
3.25%
48 or 60 months
View
▼
APR3.25%
Term48 or 60 months
Last UpdatedOct 13, 2026
Details

Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36 months to 72 months; Published APR range: 3.251% - 16.001%. Financing up to 90% of Kelley's Blue Book value; vehicle must be less than 7 years old; up to $40K for a new car or $35K for a used car; Term depends on age of vehicle; Application fee: $20.00; Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, $50.00 deposit balance, credit union membership and capacity to repay

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
1811 Eastland Dr, Bloomington, IL, 61704
Vehicle Loan
3.32%
Up to 60 months
View
▼
APR3.32%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.32% APR
2.82%3.32%3.82%Oct 13, 2026: 3.32% APROct 13, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.49%
up to 3 years
View
▼
APR3.49%
Interest Rate3.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.49% ▼ 0.00 pts · high 13.99% / low 3.49%
0.00%12.25%24.49%Sep 14, 2026: 3.49% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.49%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle Loan
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedOct 10, 2026
Details

Payment:

Rate History
No change since Oct 10, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 13, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
100 E Phoenix Ave, Normal, IL, 61761 3018
Vehicle Loan - Same year or following year & never before titled
3.49%
1 months
View
▼
APR3.49%
Term1 months
Last UpdatedOct 13, 2026
Details

Term: 1-72 month finance period; APR is Annual Percentage Rate; rates subject to change

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 0-24 Months
3.50%
0-24 months
View
▼
APR3.50%
Term0-24 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 5.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 25-36 Months
3.50%
25-36 months
View
▼
APR3.50%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.00%, 5.50%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 37-48 Months
3.50%
37-48 months
View
▼
APR3.50%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 4.25%, 5.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
48 months
View
▼
APR3.50%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APRSep 18, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
3.50%
5 years
View
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Central Illinois Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.85%
2106 w john st, champaign, IL, 61821
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan
3.50%
60 Months
View
▼
APR3.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Oct 13, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 13, 2026: 3.50% APROct 13, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
3.74%
2-Year
View
▼
APR3.74%
Term2-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.74% APR · checked 2 times
3.24%3.74%4.24%Oct 9, 2026: 3.74% APROct 9, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan - 2023 and Newer
3.74%
60 Months
View
▼
APR3.74%
Term60 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.75%
up to 4 years
View
▼
APR3.75%
Interest Rate3.75%
Termup to 4 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 13.99% / low 3.75%
0.00%12.12%24.23%Sep 14, 2026: 3.75% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Auto Loan
3.75%
Up to 60 Months
View
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW Auto Loan (Trucks, Cars, SUVs, Motorcycles)
3.75%
Up to 60 Months
View
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

NEW (2023-2026)

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 49-63 Months
3.75%
49-63 months
View
▼
APR3.75%
Term49-63 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.25%, 4.75%, 6.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 9, 2026: 3.75% APROct 9, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
1811 Eastland Dr, Bloomington, IL, 61704
Vehicle Loan
3.77%
Up to 48 months
View
▼
APR3.77%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 & Older; Additional 1.25% for autos 2017-2019; Additional 2.50% for autos 2016 and older

Rate History
No change since Oct 13, 2026 · 3.77% APR
3.27%3.77%4.27%Oct 13, 2026: 3.77% APROct 13, 2026Oct 13, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
1811 Eastland Dr, Bloomington, IL, 61704
Vehicle Loan
3.82%
61-75 months
View
▼
APR3.82%
Term61-75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.82% APR
3.32%3.82%4.32%Oct 13, 2026: 3.82% APROct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA Trade-in Value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 13, 2026: 3.90% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to retail value (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 3.90% APR · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APRSep 18, 2026Oct 13, 2026
Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
2750 Washington St, Waukegan, IL, 60085 4959
Auto Loan
3.99%
0-60 Months
View
▼
APR3.99%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

With Auto Buying Service**; 2025 and Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
New Car Loan
3.99%
up to 7 years
View
▼
APR3.99%
Termup to 7 years
Last UpdatedOct 8, 2026
Details

Best Rate

Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 13, 2026
ELCA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
8765 W Higgins Rd, Chicago, IL, 60631
Auto Loans
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.99%
up to 5 years
View
▼
APR3.99%
Interest Rate3.99%
Termup to 5 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 13.99% / low 3.99%
0.00%12.00%23.99%Sep 14, 2026: 3.99% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.99%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
Off Road Vehicle (Boats, ATVs, UTV, Dirt Bikes) - NEW (2023-2026) Loan
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Financial Partners Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
940 N MacArthur Blvd, Springfield, IL, 62702 2308
Auto Loan
3.99%
72 months
View
▼
APR3.99%
Term72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99% to 14.99%. Vehicles 5 years and older add 2.00% to each tier. Rates are subject to change. Please contact Financial Partners Credit Union for current rate and eligibility details.

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Streator Onized Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
912 N Shabbona St, Streator, IL, 61364
Vehicle Purchase Special Loan
3.99%
up to 48 month
View
▼
APR3.99%
Termup to 48 month
Last UpdatedOct 10, 2026
Details

As Low As; Rate includes up to 48 month term on 2024 and newer purchases & discounts for Auto Withdrawal .50% APR and SOCU primary checking account .50% APR: Additional .50% APR discount may apply with ScoreCard point redemption of equal points to amount of loan financed.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2195 Baseline Rd, Oswego, IL, 60543 6006
Vehicle Loan
3.99%
0 - 24 months
View
▼
APR3.99%
Term0 - 24 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 15.04%. APR*

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
SOUTH SHOP
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
3737 W 127TH ST, ALSIP, IL, 60803
New Car Lending Loan
3.99%
5 years
View
▼
APR3.99%
Term5 years
Last UpdatedOct 10, 2026
Details

This rate is fixed for up to 5 years. apr is based on TransUnion credit score*

Rate History
No change since Oct 6, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 6, 2026: 3.99% APROct 6, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
4 years
View
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
3 years
View
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
2 years
View
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
1 year
View
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

Cars, motorcycles or ATVs; New Molex loans only; No down payment required; Add 1% extra for boats

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loan - Cars, Motorcycles or ATVs
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

New Molex loans only; No down payment required; Add 1% extra for boats

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2021 & Newer; Effective Date: Tuesday, October 13th, 2026

Rate History
1 change since Oct 9, 2026 · 6.25% → 3.99% ▼ 2.26 pts · high 6.25% / low 3.99%
1.73%5.12%8.51%Oct 9, 2026: 6.25% APROct 13, 2026: 3.99% APROct 9, 2026Oct 13, 2026
  • Oct 13, 20263.99%▼ from 6.25%
  • Oct 9, 20266.25%first recorded
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan - 2023 and Newer
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
MembersAlliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
2550 S Alpine Rd, Rockford, IL, 61108 7813
Autos, Trucks and Motorcycles
4.00%
up to 36 Months
View
▼
APR4.00%
Termup to 36 Months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Complete Auto Loan
4.00%
3 Years
View
▼
APR4.00%
Term3 Years
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2024; Credit Score: 725+; All rates shown are APR

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024-2026; Rates listed are for well qualified borrowers and are subject to credit score, term, and collateral

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APROct 9, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
302 N Park St, Streator, IL, 61364 2229
New Vehicle Loan - 2025 & Newer
4.00%
up to 60 months
View
▼
APR4.00%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle model year: 2025 & Newer; *add .75% if member does not have a Visa or direct deposit

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Central Illinois Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.85%
2106 w john st, champaign, IL, 61821
Vehicles, Motorcycles, Boats, Trailers, Rv's Loan
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan value over $15,000; Model Year: 2019-2025

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (2025, 2026, 2027)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Based on FICO score

Rate History
No change since Sep 22, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APRSep 22, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan rates based on FICO score on credit report

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
4.04%
Up to 48 Months
View
▼
APR4.04%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 4.04% APR
3.54%4.04%4.54%Oct 13, 2026: 4.04% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Fall Vehicle Event Happening Now! Loan
4.14%
27 Months
View
▼
APR4.14%
Term27 Months
Last UpdatedOct 9, 2026
Details

Vehicle Year(s): 2024, '25, '26 & '27 Models; As low as

Rate History
No change since Sep 18, 2026 · 4.14% APR · checked 6 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APRSep 18, 2026Oct 13, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Fall Vehicle Event Happening Now! Loan
4.14%
39 Months
View
▼
APR4.14%
Term39 Months
Last UpdatedOct 9, 2026
Details

Vehicle Year(s): 2024, '25, '26 & '27 Models; As low as

Rate History
No change since Sep 18, 2026 · 4.14% APR · checked 6 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APRSep 18, 2026Oct 13, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Fall Vehicle Event Happening Now! Loan
4.14%
51 Months
View
▼
APR4.14%
Term51 Months
Last UpdatedOct 9, 2026
Details

Vehicle Year(s): 2024, '25, '26 & '27 Models; As low as

Rate History
No change since Sep 18, 2026 · 4.14% APR · checked 6 times
3.64%4.14%4.64%Sep 18, 2026: 4.14% APRSep 18, 2026Oct 13, 2026
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Fall Vehicle Event Happening Now! Loan
4.14%
63 Months
View
▼
APR4.14%
Term63 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.79%. Vehicle Year(s): 2024, '25, '26 & '27 Models; As low as

Rate History
1 change since Sep 18, 2026 · 4.79% → 4.14% ▼ 0.65 pts · high 4.79% / low 4.14%
3.49%4.47%5.44%Sep 18, 2026: 4.79% APROct 9, 2026: 4.14% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.14%▼ from 4.79%
  • Sep 18, 20264.79%first recorded
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Fall Vehicle Event Happening Now! Loan
4.14%
75 Months
View
▼
APR4.14%
Term75 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 5.09%. Vehicle Year(s): 2024, '25, '26 & '27 Models; As low as

Rate History
1 change since Sep 18, 2026 · 5.09% → 4.14% ▼ 0.95 pts · high 5.09% / low 4.14%
3.19%4.62%6.04%Sep 18, 2026: 5.09% APROct 9, 2026: 4.14% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.14%▼ from 5.09%
  • Sep 18, 20265.09%first recorded
Central Credit Union of Illinois
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1001 Mannheim Rd, Bellwood, IL, 60104
Vehicle Loans
4.14%
51 months
View
▼
APR4.14%
Term51 months
Last UpdatedOct 9, 2026
Details

Listed rates include .10% member relationship discount and .25% automatic payment discount. To qualify for the relationship discount, you must have a Central Credit Union checking account, real estate loan, vehicle loan or Visa Platinum at the time you disburse your vehicle loan. To qualify for the automatic payment discount, your vehicle loan payment must be automatically deducted from a Central Credit Union checking account each month. Other terms are available at higher rates. APR may vary based on term and creditworthiness. At the listed rates, the credit union will finance up to 110% of the manufacturer's suggested retail price less any manufacturer's rebate for new vehicles and up to 110% of the NADA retail value for used vehicles for qualified members. Refinances not valid for existing Central Credit Union loans. Secretary of State retitling fee will be added to the loan balance of members who refinance with loans less than $10,000. To take advantage of listed rates, you must apply by November 30, 2026 and disburse your loan by December 15, 2026.

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 7 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
818 e cass st, joliet, IL, 60432
Vehicle Loan
4.20%
Up to 36 Months
View
▼
APR4.20%
Interest Rate4.20%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Fully Pledged Loan; Credit Grade: A (700-759)

Rate History
No change since Oct 13, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 13, 2026: 4.20% APROct 13, 2026Oct 13, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
818 e cass st, joliet, IL, 60432
Vehicle Loan
4.20%
Up to 48 Months
View
▼
APR4.20%
Interest Rate4.20%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

Fully Pledged Loan; Credit Grade: A+ (760+)

Rate History
No change since Oct 13, 2026 · 4.20% APR
3.70%4.20%4.70%Oct 13, 2026: 4.20% APROct 13, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL, 60196
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.24%
3-Year
View
▼
APR4.24%
Term3-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan - 2021 - 2022
4.24%
60 Months
View
▼
APR4.24%
Term60 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2021 - 2022; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1309 S Center St, Normal, IL, 61761 3458
Vehicles - 2024 & Newer Loan
4.24%
66 months
View
▼
APR4.24%
Term66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 & Newer; Discounts applied; based on exceptional credit rating and LTV less than 110%

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
4.25%
up to 6 years
View
▼
APR4.25%
Interest Rate4.25%
Termup to 6 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.25% ▼ 0.00 pts · high 14.99% / low 4.25%
0.00%12.87%25.73%Sep 14, 2026: 4.25% APRSep 21, 2026: 14.99% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 14.99%
  • Sep 21, 202614.99%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Auto Loan
4.25%
Up to 72 Months
View
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW Auto Loan (Trucks, Cars, SUVs, Motorcycles)
4.25%
Up to 72 Months
View
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

NEW (2023-2026)

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
USED (2019 - 2022) Auto Loan
4.25%
Up to 60 Months
View
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2019 - 2022

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
USED Auto Loan (Trucks, Cars, SUVs, Motorcycles)
4.25%
Up to 60 Months
View
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

USED (2019 - 2022)

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 64-75 Months
4.25%
64-75 months
View
▼
APR4.25%
Term64-75 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.75%, 5.25%, 6.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.25%
36 Months
View
▼
APR4.25%
Term36 Months
Last UpdatedOct 10, 2026
Details

Vehicle Year 2025 and newer

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
View
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 13, 2026
Details

Rates current as of 11/01/2024; PFCU prime rates, individual rates may vary by credit score; 1 point APR reduction with Direct Deposit into PFCU Premier Checking

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
View
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

Rates current as of 11/01/2024; PFCU prime rates, individual rates may vary by credit score; 1 point APR reduction with Direct Deposit into PFCU Premier Checking

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto (2024 - 2023)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Based on FICO score

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan rates based on FICO score on credit report; Maximum Term 72 Months

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 13, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
1811 Eastland Dr, Bloomington, IL, 61704
Vehicle Loan
4.27%
49-75 months
View
▼
APR4.27%
Term49-75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 & Older; Additional 1.25% for autos 2017-2019; Additional 2.50% for autos 2016 and older

Rate History
No change since Oct 13, 2026 · 4.27% APR
3.77%4.27%4.77%Oct 13, 2026: 4.27% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
The Credit Union For All
Institution Rating:
A5.0 ★ Texas Ratio: 13.78%
1811 Eastland Dr, Bloomington, IL, 61704
Vehicle Loan
4.32%
76-79 months
View
▼
APR4.32%
Term76-79 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 4.32% APR
3.82%4.32%4.82%Oct 13, 2026: 4.32% APROct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Gale Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.01%
631 N Henderson St, Galesburg, IL, 61401
Auto Loan
4.35%
up to 69 months
View
▼
APR4.35%
Termup to 69 months
Last UpdatedOct 9, 2026
Details

2023 & newer

Rate History
No change since Oct 9, 2026 · 4.35% APR · checked 3 times
3.85%4.35%4.85%Oct 9, 2026: 4.35% APROct 9, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
Auto Loans
4.39%
60-month
View
▼
APR4.39%
Interest Rate4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

Loan Payment Example: An Auto Loan of $33,000 at a rate of 4.24% rate (4.39% APR) for a 60-month term would result in a monthly payment of approximately $611.33.

Rate History
1 change since Sep 14, 2026 · 5.40% → 4.39% ▼ 1.01 pts · high 5.40% / low 4.39%
3.38%4.90%6.41%Sep 14, 2026: 5.40% APROct 10, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▼ from 5.40%
  • Sep 14, 20265.40%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1309 S Center St, Normal, IL, 61761 3458
Vehicles - 2023 - 2022 Loan
4.39%
60 months
View
▼
APR4.39%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2023 - 2022; Discounts applied; based on exceptional credit rating and LTV less than 110%

Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
2 Years
View
▼
APR4.40%
Term2 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
3 Years
View
▼
APR4.40%
Term3 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
4 Years
View
▼
APR4.40%
Term4 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
5 Years
View
▼
APR4.40%
Term5 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
6 Years
View
▼
APR4.40%
Term6 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2300 4TH AVE, ROCK ISLAND, IL, 61201
Auto Loan - 2024 and Newer Vehicles 1
4.40%
Up to 72 months
View
▼
APR4.40%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle: 2024 and Newer; Percent: 100%; Rate received is based on personal credit rating; rates reflect auto pay discount; excludes motorcycles and RVs

Rate History
No change since Oct 13, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 13, 2026: 4.40% APROct 13, 2026Oct 13, 2026
Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
2195 Baseline Rd, Oswego, IL, 60543 6006
Vehicle Loan
4.44%
25 - 36 months
View
▼
APR4.44%
Term25 - 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.44%. APR*

Rate History
No change since Oct 10, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 10, 2026: 4.44% APROct 10, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
4.44%
Up to 60 Months
View
▼
APR4.44%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 13, 2026: 4.44% APROct 13, 2026Oct 13, 2026
Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
2750 Washington St, Waukegan, IL, 60085 4959
Auto Loan
4.49%
0-60 Months
View
▼
APR4.49%
Term0-60 Months
Last UpdatedOct 7, 2026
Details

With Auto Buying Service**; 2023 to 2024

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Consumers Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.15%
2750 Washington St, Waukegan, IL, 60085 4959
Auto Loan
4.49%
61-72 Months
View
▼
APR4.49%
Term61-72 Months
Last UpdatedOct 7, 2026
Details

With Auto Buying Service**; 2025 and Newer

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
4.49%
up to 3 years
View
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 700-749

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 13.99% / low 4.49%
0.00%11.75%23.49%Sep 14, 2026: 4.49% APRSep 21, 2026: 13.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
Used Vehicles 2025-2015 Loan
4.49%
up to 3 years
View
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 14.99% / low 4.49%
0.00%12.75%25.49%Sep 14, 2026: 4.49% APRSep 21, 2026: 14.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▼ from 14.99%
  • Sep 21, 202614.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
1654 Terry Dr, Joliet, IL, 60436
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as; For example, a $20,000 loan for a term of 36 months with a 4.49% APR would have a monthly payment amount of $618.90 fully protected. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance. Rates subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2075 Big Timber Rd, Elgin, IL, 60123 1140
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Illiana Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
1600 Huntington Dr, Calumet City, IL, 60409 5404
Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.49%
12 to 36 months
View
▼
APR4.49%
Term12 to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.49% - 14.49%. Used Automobiles (2019 or older add 2% to rate)

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL, 60196
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
Vehicle Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 12, 2026: 4.49% APROct 12, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
Vehicle Loan
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Oct 12, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 12, 2026: 4.49% APROct 12, 2026Oct 13, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
100 E Phoenix Ave, Normal, IL, 61761 3018
Vehicle Loan - Used-all other vehicles
4.49%
1 months
View
▼
APR4.49%
Term1 months
Last UpdatedOct 13, 2026
Details

Term: 1-72 month finance period; APR is Annual Percentage Rate; rates subject to change

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.49%
4-Year
View
▼
APR4.49%
Term4-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2026 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
24 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term24 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
36 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term36 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
48 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term48 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
60 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term60 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Used Vehicle Loan
4.49%
24 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term24 MONTHS
Last UpdatedOct 13, 2026
Details

Rates Used

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Used Vehicle Loan
4.49%
36 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term36 MONTHS
Last UpdatedOct 13, 2026
Details

Rates Used

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Heartland Credit Union Springfield, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.20%
2712 E Sangamon Ave, Springfield, IL, 62702
Auto Loans
4.49%
51 months
View
▼
APR4.49%
Term51 months
Last UpdatedOct 13, 2026
Details

Model Year: 2024 - Newer

Rate History
1 change since Sep 18, 2026 · 3.99% → 4.49% ▲ 0.50 pts · high 4.49% / low 3.99%
3.49%4.24%4.99%Sep 18, 2026: 3.99% APROct 13, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 20264.49%▲ from 3.99%
  • Sep 18, 20263.99%first recorded
Illinois Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.82%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans
4.49%
Up to 60 Months
View
▼
APR4.49%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: New 2026-2025; Effective Date: Tuesday, October 13th, 2026; Pmt Per $1,000: $18.64

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
24 Months
View
▼
APR4.50%
Interest Rate4.50%
Term24 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
36 Months
View
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
48 Months
View
▼
APR4.50%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
24 Months
View
▼
APR4.50%
Interest Rate4.50%
Term24 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
36 Months
View
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
48 Months
View
▼
APR4.50%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
72 Months
View
▼
APR4.50%
Interest Rate4.50%
Term72 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Elite Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
515 S Main St, Bourbonnais, IL, 60914 1920
2026-2025 Untitled Vehicles Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 7 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
AAEC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
1104 S Arlington Heights Rd, Arlington Heights, IL, 60005 3141
Vehicle Loan
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
36 months (3yrs)
View
▼
APR4.50%
Term36 months (3yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
48 months (4yrs)
View
▼
APR4.50%
Term48 months (4yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
60 months (5yrs)
View
▼
APR4.50%
Term60 months (5yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New Vehicles Only Loan
4.50%
72 months (6yrs)
View
▼
APR4.50%
Term72 months (6yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New Vehicles Only Loan
4.50%
84 months (7yrs)
View
▼
APR4.50%
Term84 months (7yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 10, 2026
Details

Vehicle Year 2022-2024

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedOct 10, 2026
Details

Additional APR listed for this product: 5.00%, 5.50%. As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
818 e cass st, joliet, IL, 60432
Vehicle Loan
4.50%
Up to 36 Months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Fully Pledged Loan; Credit Grade: B (660-699)

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
818 e cass st, joliet, IL, 60432
Vehicle Loan
4.50%
Up to 48 Months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

Fully Pledged Loan; Credit Grade: A (700-759)

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Joliet Municipal Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
818 e cass st, joliet, IL, 60432
Vehicle Loan
4.50%
Up to 60 Months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Fully Pledged Loan; Credit Grade: A+ (760+)

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
4.50%
5 years
View
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Evergreen Park Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9901 S Kedzie Ave, Evergreen Park, IL, 60805 3416
Vehicle Loan
4.50%
Up to 60 Months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2025 or Newer; Credit Score: A+ (760+)

Rate History
No change since Oct 9, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2023 - 2024
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA trade-in value

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 13, 2026
Details

Valuation: Up to retail value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA Trade-in Value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to 120% of Retail (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to retail value (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 13, 2026
Details

Down Payment: 20% Down (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Complete Auto Loan
4.50%
4 Years
View
▼
APR4.50%
Term4 Years
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2024; Credit Score: 725+; All rates shown are APR

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Complete Auto Loan
4.50%
3 Years
View
▼
APR4.50%
Term3 Years
Last UpdatedOct 13, 2026
Details

Model Year: 2023-2020; Credit Score: 725+; All rates shown are APR

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2024-2026; Rates listed are for well qualified borrowers and are subject to credit score, term, and collateral

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APROct 9, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.97%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2020-2023; Rates listed are for well qualified borrowers and are subject to credit score, term, and collateral

Rate History
2 changes since Sep 14, 2026 · 3.75% → 4.50% ▲ 0.75 pts · high 4.50% / low 3.75%
3.00%4.13%5.25%Sep 14, 2026: 3.75% APRSep 18, 2026: 4.25% APROct 9, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded

Illinois New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
4 years
View
▼
APR2.99%
Interest Rate2.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
3 years
View
▼
APR2.99%
Interest Rate2.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
2 years
View
▼
APR2.99%
Interest Rate2.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
2.99%
1 year
View
▼
APR2.99%
Interest Rate2.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 17, 2026 · 2.99% APR · checked 8 times
2.49%2.99%3.49%Sep 17, 2026: 2.99% APRSep 17, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.00%
36 months
View
▼
APR3.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
Canals And Trails Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
838 S State St, Lockport, IL, 60441 3434
New Auto Loan
3.00%
36-month
View
▼
APR3.00%
Term36-month
Last UpdatedOct 10, 2026
Details

Rates as low as 3.00% APR on qualifying 2025-2026 vehicle loans.

Rate History
No change since Sep 27, 2026 · 3.00% APR · checked 3 times
2.50%3.00%3.50%Sep 27, 2026: 3.00% APRSep 27, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car Loan
3.25%
48 or 60 months
View
▼
APR3.25%
Term48 or 60 months
Last UpdatedOct 13, 2026
Details

Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36 months to 72 months; Published APR range: 3.251% - 16.001%. Financing up to 90% of Kelley's Blue Book value; vehicle must be less than 7 years old; up to $40K for a new car or $35K for a used car; Term depends on age of vehicle; Application fee: $20.00; Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, $50.00 deposit balance, credit union membership and capacity to repay

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.49%
up to 3 years
View
▼
APR3.49%
Interest Rate3.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.49% ▼ 0.00 pts · high 13.99% / low 3.49%
0.00%12.25%24.49%Sep 14, 2026: 3.49% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.49%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle Loan
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedOct 10, 2026
Details

Payment:

Rate History
No change since Oct 10, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 0-24 Months
3.50%
0-24 months
View
▼
APR3.50%
Term0-24 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 5.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 25-36 Months
3.50%
25-36 months
View
▼
APR3.50%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.00%, 5.50%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 37-48 Months
3.50%
37-48 months
View
▼
APR3.50%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 4.25%, 5.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
48 months
View
▼
APR3.50%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.50% APR · checked 4 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APRSep 18, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
New Auto Loan
3.50%
5 years
View
▼
APR3.50%
Interest Rate3.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates apply with automatic payment from PSFCU Checking Account; 0.25% higher without automatic payment

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan - 2023 and Newer
3.74%
60 Months
View
▼
APR3.74%
Term60 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value

Rate History
No change since Oct 13, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 13, 2026: 3.74% APROct 13, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.75%
up to 4 years
View
▼
APR3.75%
Interest Rate3.75%
Termup to 4 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.75% → 3.75% ▼ 0.00 pts · high 13.99% / low 3.75%
0.00%12.12%24.23%Sep 14, 2026: 3.75% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.75%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Auto Loan
3.75%
Up to 60 Months
View
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW Auto Loan (Trucks, Cars, SUVs, Motorcycles)
3.75%
Up to 60 Months
View
▼
APR3.75%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

NEW (2023-2026)

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 49-63 Months
3.75%
49-63 months
View
▼
APR3.75%
Term49-63 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.25%, 4.75%, 6.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 9, 2026: 3.75% APROct 9, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to retail value (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 3.90% APR · checked 5 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APRSep 18, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
New Car Loan
3.99%
up to 7 years
View
▼
APR3.99%
Termup to 7 years
Last UpdatedOct 8, 2026
Details

Best Rate

Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
3.99%
up to 5 years
View
▼
APR3.99%
Interest Rate3.99%
Termup to 5 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 3.99% → 3.99% ▼ 0.00 pts · high 13.99% / low 3.99%
0.00%12.00%23.99%Sep 14, 2026: 3.99% APRSep 21, 2026: 13.99% APROct 9, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.99%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 3.99%
  • Sep 14, 20263.99%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
Off Road Vehicle (Boats, ATVs, UTV, Dirt Bikes) - NEW (2023-2026) Loan
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
SOUTH SHOP
Institution Rating:
A+5.0 ★ Texas Ratio: 2.40%
3737 W 127TH ST, ALSIP, IL, 60803
New Car Lending Loan
3.99%
5 years
View
▼
APR3.99%
Term5 years
Last UpdatedOct 10, 2026
Details

This rate is fixed for up to 5 years. apr is based on TransUnion credit score*

Rate History
No change since Oct 6, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Oct 6, 2026: 3.99% APROct 6, 2026Oct 13, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

Cars, motorcycles or ATVs; New Molex loans only; No down payment required; Add 1% extra for boats

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
2222 Wellington Ct, Lisle, IL, 60532
New Vehicle Loan - Cars, Motorcycles or ATVs
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

New Molex loans only; No down payment required; Add 1% extra for boats

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan - 2023 and Newer
3.99%
72 Months
View
▼
APR3.99%
Term72 Months
Last UpdatedOct 13, 2026
Details

Vehicle Year: 2023 and Newer; Existing CCNCU loans excluded; All rates subject to credit approval; APR varies by loan length, credit score, and collateral value

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Streator Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
302 N Park St, Streator, IL, 61364 2229
New Vehicle Loan - 2025 & Newer
4.00%
up to 60 months
View
▼
APR4.00%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle model year: 2025 & Newer; *add .75% if member does not have a Visa or direct deposit

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (2025, 2026, 2027)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Based on FICO score

Rate History
No change since Sep 22, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 22, 2026: 4.00% APRSep 22, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto (up to two years old)
4.00%
72 Months
View
▼
APR4.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan rates based on FICO score on credit report

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
4.04%
Up to 48 Months
View
▼
APR4.04%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 4.04% APR
3.54%4.04%4.54%Oct 13, 2026: 4.04% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL, 60196
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
600 Hicks Rd, Rolling Meadows, IL, 60008 1015
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Illinois State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
1309 S Center St, Normal, IL, 61761 3458
Vehicles - 2024 & Newer Loan
4.24%
66 months
View
▼
APR4.24%
Term66 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 & Newer; Discounts applied; based on exceptional credit rating and LTV less than 110%

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
4.25%
up to 6 years
View
▼
APR4.25%
Interest Rate4.25%
Termup to 6 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.25% → 4.25% ▼ 0.00 pts · high 14.99% / low 4.25%
0.00%12.87%25.73%Sep 14, 2026: 4.25% APRSep 21, 2026: 14.99% APROct 9, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.25%▼ from 14.99%
  • Sep 21, 202614.99%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW (2023-2026) Auto Loan
4.25%
Up to 72 Months
View
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
NEW Auto Loan (Trucks, Cars, SUVs, Motorcycles)
4.25%
Up to 72 Months
View
▼
APR4.25%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

NEW (2023-2026)

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 64-75 Months
4.25%
64-75 months
View
▼
APR4.25%
Term64-75 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.75%, 5.25%, 6.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.25%
36 months
View
▼
APR4.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
View
▼
APR4.25%
TermUp to 42 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Western Springs Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.98%
810 Hillgrove Ave, Western Springs, IL, 60558
New Car Loan
4.25%
72 months
View
▼
APR4.25%
Term72 months
Last UpdatedOct 13, 2026
Details

Maximum Loan $55,000.00; Rates available to current members only

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
View
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 13, 2026
Details

Rates current as of 11/01/2024; PFCU prime rates, individual rates may vary by credit score; 1 point APR reduction with Direct Deposit into PFCU Premier Checking

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
View
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

Rates current as of 11/01/2024; PFCU prime rates, individual rates may vary by credit score; 1 point APR reduction with Direct Deposit into PFCU Premier Checking

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Naval Training Center Bldg 290, Great Lakes, IL, 60088
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
2 Years
View
▼
APR4.40%
Term2 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
3 Years
View
▼
APR4.40%
Term3 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
4 Years
View
▼
APR4.40%
Term4 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
5 Years
View
▼
APR4.40%
Term5 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Moline Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.19%
2110 53rd St, Moline, IL, 61265 3652
New 2025-2026 Vehicle Loan
4.40%
6 Years
View
▼
APR4.40%
Term6 Years
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.40% APR · checked 3 times
3.90%4.40%4.90%Oct 9, 2026: 4.40% APROct 9, 2026Oct 13, 2026
Gas and Electric Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2300 4TH AVE, ROCK ISLAND, IL, 61201
Auto Loan - 2024 and Newer Vehicles 1
4.40%
Up to 72 months
View
▼
APR4.40%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle: 2024 and Newer; Percent: 100%; Rate received is based on personal credit rating; rates reflect auto pay discount; excludes motorcycles and RVs

Rate History
No change since Oct 13, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 13, 2026: 4.40% APROct 13, 2026Oct 13, 2026
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 4.23%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Auto Loan - New Auto
4.44%
Up to 60 Months
View
▼
APR4.44%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

Model Year: NEW; New vehicles only

Rate History
No change since Oct 13, 2026 · 4.44% APR
3.94%4.44%4.94%Oct 13, 2026: 4.44% APROct 13, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
New Vehicles Loan
4.49%
up to 3 years
View
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 700-749

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 13.99% / low 4.49%
0.00%11.75%23.49%Sep 14, 2026: 4.49% APRSep 21, 2026: 13.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▼ from 13.99%
  • Sep 21, 202613.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Community Trust Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.26%
1313 N Skokie Hwy, Gurnee, IL, 60031
New Autos & Motorcycles
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
1654 Terry Dr, Joliet, IL, 60436
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as; For example, a $20,000 loan for a term of 36 months with a 4.49% APR would have a monthly payment amount of $618.90 fully protected. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance. Rates subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
2075 Big Timber Rd, Elgin, IL, 60123 1140
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2026 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
24 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term24 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
36 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term36 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
48 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term48 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
New Vehicle Loan
4.49%
60 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term60 MONTHS
Last UpdatedOct 13, 2026
Details

Rates New

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
36 months (3yrs)
View
▼
APR4.50%
Term36 months (3yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
48 months (4yrs)
View
▼
APR4.50%
Term48 months (4yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
60 months (5yrs)
View
▼
APR4.50%
Term60 months (5yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New Vehicles Only Loan
4.50%
72 months (6yrs)
View
▼
APR4.50%
Term72 months (6yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New Vehicles Only Loan
4.50%
84 months (7yrs)
View
▼
APR4.50%
Term84 months (7yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to 120% of Retail (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to retail value (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 13, 2026
Details

Down Payment: 20% Down (rates as of 03/18/2026)

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026

Illinois Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
View
▼
APR3.25%
Interest Rate3.25%
Term24 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36 months to 72 months; Published APR range: 3.251% - 16.001%. Financing up to 90% of Kelley's Blue Book value; vehicle must be less than 7 years old; up to $40K for a new car or $35K for a used car; Term depends on age of vehicle; Application fee: $20.00; Requires vehicle description, most recent two pay stubs, proof of rent or mortgage, $50.00 deposit balance, credit union membership and capacity to repay

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle Loan
3.49%
36 months
View
▼
APR3.49%
Term36 months
Last UpdatedOct 10, 2026
Details

Payment:

Rate History
No change since Oct 10, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 10, 2026: 3.49% APROct 10, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 0-24 Months
3.50%
0-24 months
View
▼
APR3.50%
Term0-24 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 5.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 25-36 Months
3.50%
25-36 months
View
▼
APR3.50%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.00%, 5.50%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 37-48 Months
3.50%
37-48 months
View
▼
APR3.50%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 3.75%, 4.25%, 5.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.50% APR
3.00%3.50%4.00%Oct 9, 2026: 3.50% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
View
▼
APR3.50%
Interest Rate3.50%
Term36 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 49-63 Months
3.75%
49-63 months
View
▼
APR3.75%
Term49-63 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.25%, 4.75%, 6.25%. As Low As*

Rate History
No change since Oct 9, 2026 · 3.75% APR
3.25%3.75%4.25%Oct 9, 2026: 3.75% APROct 9, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
View
▼
APR3.75%
Interest Rate3.75%
Term48 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
3.90%
36 months
View
▼
APR3.90%
Term36 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA Trade-in Value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 3.90% APR
3.40%3.90%4.40%Oct 13, 2026: 3.90% APROct 13, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
View
▼
APR3.99%
Term0-36 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.99%-6.98%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
4 years
View
▼
APR3.99%
Interest Rate3.99%
Term4 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
3 years
View
▼
APR3.99%
Interest Rate3.99%
Term3 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
2 years
View
▼
APR3.99%
Interest Rate3.99%
Term2 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
3.99%
1 year
View
▼
APR3.99%
Interest Rate3.99%
Term1 year
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
View
▼
APR4.00%
Interest Rate4.00%
Term60 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
2525 Green Bay Rd, North Chicago, IL, 60064
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.24%-7.49%.

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
USED (2019 - 2022) Auto Loan
4.25%
Up to 60 Months
View
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

Model Year: 2019 - 2022

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Landmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
220 S State St, Westville, IL, 61883
USED Auto Loan (Trucks, Cars, SUVs, Motorcycles)
4.25%
Up to 60 Months
View
▼
APR4.25%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

USED (2019 - 2022)

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
University of Illinois Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
2201 S 1ST ST, Champaign, IL, 61820 7402
New & Used Vehicles, RV, and Boat Loans - 64-75 Months
4.25%
64-75 months
View
▼
APR4.25%
Term64-75 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 4.75%, 5.25%, 6.75%. As Low As*

Rate History
No change since Oct 9, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 9, 2026: 4.25% APROct 9, 2026Oct 13, 2026
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
View
▼
APR4.25%
Interest Rate4.25%
Term72 months
Last UpdatedOct 10, 2026
Details

All rates are based on 725 credit score; Auto rates range from 3.25% - 15.50%; Amount and rate are subject to credit score, seniority, job stability and any other factors determined by credit committee.

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
View
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

Rates current as of 11/01/2024; PFCU prime rates, individual rates may vary by credit score; 1 point APR reduction with Direct Deposit into PFCU Premier Checking

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto (2024 - 2023)
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Based on FICO score

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 13, 2026
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 3-4 years old
4.25%
72 Months
View
▼
APR4.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Loan rates based on FICO score on credit report; Maximum Term 72 Months

Rate History
No change since Sep 22, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 22, 2026: 4.25% APRSep 22, 2026Oct 13, 2026
Tee Pak Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
1035 E Main St, Danville, IL, 61832 6037
Used Vehicles 2025-2015 Loan
4.49%
up to 3 years
View
▼
APR4.49%
Interest Rate4.49%
Termup to 3 years
Last UpdatedOct 9, 2026
Details

Credit Score: 750 plus

Rate History
2 changes since Sep 14, 2026 · 4.49% → 4.49% ▼ 0.00 pts · high 14.99% / low 4.49%
0.00%12.75%25.49%Sep 14, 2026: 4.49% APRSep 21, 2026: 14.99% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▼ from 14.99%
  • Sep 21, 202614.99%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
View
▼
APR4.49%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.49%-8.74%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
1654 Terry Dr, Joliet, IL, 60436
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as; For example, a $20,000 loan for a term of 36 months with a 4.49% APR would have a monthly payment amount of $618.90 fully protected. Other rates and terms available. All loans subject to approval. Current NuMark Credit Union auto loans are not eligible for a refinance. Rates subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.49%
12 to 36 months
View
▼
APR4.49%
Term12 to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.49% - 14.49%. Used Automobiles (2019 or older add 2% to rate)

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
1299 Zurich Way, Schaumburg, IL, 60196
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 10, 2026: 4.49% APROct 10, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.42%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
84 months
View
▼
APR4.49%
Term84 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 16, 2026: 4.49% APRSep 16, 2026Oct 13, 2026
Normal City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
100 E Phoenix Ave, Normal, IL, 61761 3018
Vehicle Loan - Used-all other vehicles
4.49%
1 months
View
▼
APR4.49%
Term1 months
Last UpdatedOct 13, 2026
Details

Term: 1-72 month finance period; APR is Annual Percentage Rate; rates subject to change

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Parda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
5500 Forest Hills Rd, Loves Park, IL, 61111 5213
New and Used Auto Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Requires direct deposit with Parda Federal Credit Union; For qualified borrowers; Rate and term may vary based on credit score, year of collateral and loan-to-value

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 9 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Used Vehicle Loan
4.49%
24 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term24 MONTHS
Last UpdatedOct 13, 2026
Details

Rates Used

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Used Vehicle Loan
4.49%
36 MONTHS
View
▼
APR4.49%
Interest Rate4.49%
Term36 MONTHS
Last UpdatedOct 13, 2026
Details

Rates Used

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
24 Months
View
▼
APR4.50%
Interest Rate4.50%
Term24 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
36 Months
View
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
48 Months
View
▼
APR4.50%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2019-2022 Loan
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
24 Months
View
▼
APR4.50%
Interest Rate4.50%
Term24 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
36 Months
View
▼
APR4.50%
Interest Rate4.50%
Term36 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
48 Months
View
▼
APR4.50%
Interest Rate4.50%
Term48 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
60 Months
View
▼
APR4.50%
Interest Rate4.50%
Term60 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Rockford Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
634 N Church St, Rockford, IL, 61103
Used Vehicle Based on Retail Value 2023-2026 Loan
4.50%
72 Months
View
▼
APR4.50%
Interest Rate4.50%
Term72 Months
Last UpdatedSep 29, 2026
Details

All rates are subject to change without notice.

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
36 months (3yrs)
View
▼
APR4.50%
Term36 months (3yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
48 months (4yrs)
View
▼
APR4.50%
Term48 months (4yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles Loan
4.50%
60 months (5yrs)
View
▼
APR4.50%
Term60 months (5yrs)
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos
4.50%
Up to 42 Months
View
▼
APR4.50%
TermUp to 42 Months
Last UpdatedOct 10, 2026
Details

Additional APR listed for this product: 5.00%, 5.50%. As Low As

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
1141 Mount Prospect Plz, Mount Prospect, IL, 60056
Used Auto Loans
4.50%
5 years
View
▼
APR4.50%
Interest Rate4.50%
Term5 years
Last UpdatedOct 13, 2026
Details

As Low As; Rates 0.25% higher without automatic payment from PSFCU Checking Account

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 9 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: A 700-above; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: B 640-699; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2023 - 2024
4.50%
24 months
View
▼
APR4.50%
Term24 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA trade-in value

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 13, 2026
Details

Valuation: Up to retail value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
812 CHARLESTON AVE, MATTOON, IL, 61938
Auto Loan - Used Cars: 2025 - 2026
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 13, 2026
Details

Valuation: NADA Trade-in Value; rates as of 03/18/2026

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026

Illinois Auto Loan Rate Trends

Compare local Illinois 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 Illinois Auto Trends
New Auto Loan IL Avg
5.040%
▲ 0.089 vs 7 days ago

Illinois new auto rates rose 0.089 points over the past 7 days to 5.040% APR.

Used Auto Loan IL Avg
5.751%
▲ 0.003 vs 7 days ago

Illinois used auto rates rose 0.003 points over the past 7 days to 5.751% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Illinois Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Illinois figures.

Current New Auto Avg
5.04%
APR, as of Oct 13, 2026
6-Month Forecast
5.12%
Fed hold assumed
12-Month Forecast
5.19%
Range: 4.84% to 5.39%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Illinois APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.04% APR
IL average		 Used Auto @ 5.75% APR
IL average		 Monthly Difference
$15,000 $283.34/mo $288.26/mo $4.91/mo
$25,000 $472.24/mo $480.43/mo $8.19/mo
$35,000 $661.13/mo $672.60/mo $11.47/mo
$45,000 $850.02/mo $864.77/mo $14.74/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Illinois

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Illinois locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Illinois. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Illinois Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$48,393
Median Individual Earnings
National avg: $47,340
5.8%
Unemployment Rate
National avg: 4.8%
11.8%
Poverty Rate
National avg: 11.1%
$567/mo
Payment on a $30K / 60-mo Loan
At IL new-auto avg 5.04% APR

A $567 monthly car payment works out to roughly 14.1% of the median individual income in Illinois. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Illinois, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Illinois. We’ve prefilled the APR with today’s IL new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Illinois 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 Illinois 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 Illinois. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IL.

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.

Bad Credit Auto Loans in Illinois

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Illinois

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

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Illinois 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 Illinois *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 Illinois 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.

Should I get preapproved for an auto loan before visiting a dealer in Illinois?

Yes. A preapproval from a bank or credit union serving Illinois gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Illinois can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Illinois?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Illinois?

Based on our current data, some of the lowest auto loan rates available in Illinois include:
  • Polish And Slavic Federal Credit Union: 2.99% (New Auto Loan)
  • Chicago Firefighters Credit Union: 3.00% (New Vehicle Loan)
  • Canals And Trails Credit Union: 3.00% (New Auto Loan)
  • ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
  • Western Springs Federal Credit Union: 3.25% (New Car Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

Illinois Rates & Resources

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Illinois Auto Loan Calculator

Auto Loan Rates by City in Illinois

  • Abingdon
  • Adair
  • Addieville
  • Addison
  • Adeline
  • Adrian
  • Akin
  • Albany
  • Albers
  • Albion
  • Alden
  • Aledo
  • Alexander
  • Alexis
  • Algonquin
  • Alhambra
  • Allendale
  • Allenville
  • Allerton
  • Alma
  • Alpha
  • Alsey
  • Alsip
  • Altamont
  • Alto Pass
  • Alton
  • Altona
  • Alvan (Alvin)
  • Alvin
  • Amboy
  • Amf Ohare
  • Anchor
  • Ancona
  • Andalusia
  • Andover
  • Anna
  • Annapolis
  • Annawan
  • Antioch
  • Apple River
  • Arcola
  • Arenzville
  • Argenta
  • Arlington
  • Arlington Heights
  • Armington
  • Armstrong
  • Aroma Park
  • Arrowsmith
  • Arthur
  • Ashkum
  • Ashland
  • Ashley
  • Ashmore
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  • Lincolnshire
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  • Manito
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  • Michael
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  • Mode
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  • Modoc
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  • Momence
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  • Northbrook
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  • Northlake
  • Norwood
  • O Fallon
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  • Oakbrook Terrace
  • Oakdale
  • Oakford
  • Oakland
  • Oakley
  • Oakwood
  • Oakwood Hills
  • Oblong
  • Oconee
  • Odell
  • Odin
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  • Ohio
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  • Okawville
  • Old Mill Creek
  • Old Ripley
  • Old Shawneetown
  • Olive Branch
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  • Olney
  • Olympia Fields
  • Omaha
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  • Palos Park
  • Pana
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  • Panola
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  • Park Forest
  • Park Ridge
  • Parkersburg
  • Patoka
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  • Paxton
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  • Pearl
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  • Pecatonica
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  • Peotone
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  • Phillipstown
  • Philo
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  • Pittsburg
  • Pittsfield
  • Plainfield
  • Plainville
  • Plano
  • Plato Center
  • Plattville
  • Pleasant Hill
  • Pleasant Plains
  • Plymouth
  • Pocahontas
  • Polo
  • Pomona
  • Pontiac
  • Pontoon Beach
  • Pontoosuc
  • Poplar Grove
  • Port Barrington
  • Port Byron
  • Posen
  • Potomac
  • Prairie City
  • Prairie Du Rocher
  • Prairie Grove
  • Preemption
  • Princeton
  • Princeville
  • Prophetstown
  • Prospect Heights
  • Pulaski
  • Putnam
  • Quincy
  • Radom
  • Raleigh
  • Ramsey
  • Rankin
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  • Rantoul
  • Rapids City
  • Raritan
  • Raymond
  • Red Bud
  • Reddick
  • Redmon
  • Renault
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  • Richmond
  • Richton Park
  • Richview
  • Ridge Farm
  • Ridgway
  • Ridott
  • Rinard
  • Ringwood
  • Rio
  • Ripley
  • River Forest
  • River Grove
  • Riverdale
  • Riverside
  • Riverton
  • Riverwoods
  • Roanoke
  • Robbins
  • Roberts
  • Robinson
  • Rochelle
  • Rochester
  • Rock City
  • Rock Falls
  • Rock Island
  • Rockbridge
  • Rockdale
  • Rockford
  • Rockport
  • Rockton
  • Rockwood
  • Rolling Meadows
  • Rome
  • Romeoville
  • Roodhouse
  • Rosamond
  • Roscoe
  • Rose Hill
  • Roselle
  • Rosemont
  • Roseville
  • Rosiclare
  • Rossville
  • Round Lake
  • Round Lake Beach
  • Round Lake Heights
  • Round Lake Park
  • Roxana
  • Royal
  • Royal Lakes
  • Royalton
  • Ruma
  • Rushville
  • Russell
  • Russellville
  • Rutland
  • Sadorus
  • Sailor Springs
  • Saint Anne
  • Saint Augustine
  • Saint Charles
  • Saint David
  • Saint Elmo
  • Saint Francisville
  • Saint Jacob
  • Saint Johns
  • Saint Joseph
  • Saint Libory
  • Saint Peter
  • Saint Rose
  • Sainte Marie
  • Salem
  • Sammons Point
  • San Jose
  • Sandoval
  • Sandwich
  • Sauget
  • Sauk Village
  • Saunemin
  • Savanna
  • Savoy
  • Sawyerville
  • Saybrook
  • Scales Mound
  • Schaumburg
  • Scheller
  • Schiller Park
  • Schram City
  • Sciota
  • Scioto Mills
  • Scottville
  • Seaton
  • Seatonville
  • Secor
  • Seneca
  • Serena
  • Sesser
  • Seward
  • Seymour
  • Shabbona
  • Shannon
  • Shattuc
  • Shawneetown
  • Sheffield
  • Shelbyville
  • Sheldon
  • Sheridan
  • Sherman
  • Sherrard
  • Shiloh
  • Shipman
  • Shirland
  • Shirley
  • Shobonier
  • Shorewood
  • Shumway
  • Sibley
  • Sidell
  • Sidney
  • Sigel
  • Silvis
  • Simpson
  • Sims
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  • Smithboro
  • Smithfield
  • Smithshire
  • Smithton
  • Solon Mills
  • Somonauk
  • Sorento
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  • South Beloit
  • South Chicago Heights
  • South Elgin
  • South Holland
  • South Jacksonville
  • South Pekin
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  • South Wilmington
  • Southern View
  • Sparland
  • Sparta
  • Spaulding
  • Speer
  • Spillertown
  • Spring Bay
  • Spring Grove
  • Spring Valley
  • Springerton
  • Springfield
  • Standard
  • Standard City
  • Stanford
  • Staunton
  • Steeleville
  • Steger
  • Sterling
  • Steward
  • Stewardson
  • Stickney
  • Stillman Valley
  • Stockland
  • Stockton
  • Stone Park
  • Stonefort
  • Stonington
  • Stoy
  • Strasburg
  • Strawn
  • Streamwood
  • Streator
  • Stronghurst
  • Sublette
  • Sugar Grove
  • Sullivan
  • Summerfield
  • Summit
  • Summit Argo
  • Sumner
  • Sun River Terrace
  • Sutter
  • Swansea
  • Sycamore
  • Symerton
  • Table Grove
  • Tallula
  • Tamaroa
  • Tamms
  • Tampico
  • Taylor Ridge
  • Taylor Springs
  • Taylorville
  • Techny
  • Tennessee
  • Teutopolis
  • Texico
  • Thawville
  • Thayer
  • Thebes
  • Third Lake
  • Thomasboro
  • Thompsonville
  • Thomson
  • Thornton
  • Tilden
  • Tilton
  • Timberlane
  • Timewell
  • Tinley Park
  • Tiskilwa
  • Toledo
  • Tolono
  • Toluca
  • Tonica
  • Topeka
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  • Tovey
  • Towanda
  • Tower Hill
  • Tower Lakes
  • Tremont
  • Trenton
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