Auto Loan Rates in Illinois (IL) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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.
Current auto loan rates in Illinois include CTA 74th Street Depot Federal Credit UnionCTA 74th Street Depot Federal Credit Union10057 S Western Ave, Chicago, IL, 60643 1925B+4.7 ★Texas Ratio: 16.30% offering New Auto Loan at 2.50%, Chicago Firefighters Credit UnionChicago Firefighters Credit Union6230 S Central Ave, Chicago, IL, 60638A+5.0 ★Texas Ratio: 0.51% offering New Vehicle A 700 & Up Loan at 3.00%, Baxter Credit UnionBaxter Credit Union415 S Main St, Crystal Lake, IL, 60014A5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, ABD Federal Credit UnionABD Federal Credit Union892 BELVIDERE RD, BELVIDERE, IL, 61008 9302A+5.0 ★Texas Ratio: 2.06% offering New and Used Auto Loans at 3.25%, South Side Community Federal Credit UnionSouth Side Community Federal Credit Union5401 S Wentworth Ave, Chicago, IL, 60609 6349A+5.0 ★Texas Ratio: 0.72% offering New and Used Auto Loans at 3.25%. Auto loan rates as of June 1, 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 2.50% APR from CTA 74th Street Depot Federal Credit Union at 10057 S Western Ave, Chicago, IL, 60643 1925. Rates are continually updated — 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: June 1, 2026
Compare Auto Loan Rates Today in Illinois
Illinois Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
3.25%
12 Months
▼
APR3.25%
Term12 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months and 72 months
▼
APR3.25%
Term36 months and 72 months
Last UpdatedMay 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Auto Loans
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
▼
APR3.59%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.69%
36 Months
▼
APR3.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; For Well Qualified Borrowers
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
3.99%
2027 Mo
▼
APR3.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 30, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
NEW VEHICLE LOANS
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
up to two years old
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
▼
APR4.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
▼
APR4.09%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMay 22, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2022-2024
4.19%
60 Months
▼
APR4.19%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan
4.24%
72 Months
▼
APR4.24%
Term72 Months
Last UpdatedMay 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMay 23, 2026
Details
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2020-2023
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; For Well Qualified Borrowers
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; For Well Qualified Borrowers
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 20, 2026
Details
2025 and newer
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624 Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 23, 2026
Details
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
▼
APR4.25%
Term72 Months
Last UpdatedMay 31, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 22, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedMay 20, 2026
Details
2025 and newer
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2020-2021
4.39%
60 Months
▼
APR4.39%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMay 17, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2021 - 2022
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans New 2026-2025
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans Used 2025-2023
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMay 20, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMay 23, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 20, 2026
Details
Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 20, 2026
Details
2025 and newer
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8930 Waukegan Rd, Morton Grove, IL, 60053
Auto Loans
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMay 23, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 23, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 31, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedMay 22, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.65%
48 Months
▼
APR4.65%
Term48 Months
Last UpdatedMay 20, 2026
Details
2022-2024
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2022-2024
4.69%
72 Months
▼
APR4.69%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 22, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
3005 7th St, Moline, IL, 61265 5925
Vehicle Loan
4.74%
24-60
▼
APR4.74%
Term24-60
Last UpdatedMay 18, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loans 2019 & Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.74%
2-Year
▼
APR4.74%
Term2-Year
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMay 23, 2026
Details
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2020-2023
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; For Well Qualified Borrowers
Partnership Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
5940 LINCOLN AVE, MORTON GROVE, IL, 60053
Vehicle Loans Model Years 2024-2026
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; For Well Qualified Borrowers
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles
4.75%
6 Months
▼
APR4.75%
Term6 Months
Last UpdatedMay 20, 2026
Details
As Low As; 6 yr Financing
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
USED VEHICLES (2021 - 2022)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
USED VEHICLES (2023 - 2025)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
2025 and newer
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.75%
Up to 54 Months
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Northwest Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8930 Waukegan Rd, Morton Grove, IL, 60053
Auto Loans
4.75%
37 - 60 months
▼
APR4.75%
Term37 - 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedMay 22, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedMay 22, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
NEW VEHICLE LOANS
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
USED VEHICLE LOANS
4.75%
54 Months
▼
APR4.75%
Term54 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624 Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle D below 550 Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle C 550-624 Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
800 Chestnut St, Ottawa, IL, 61350
2023 & Newer Model Vehicle Loans Tier 1 700+
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 1, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36
▼
APR4.78%
Term24-36
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 23, 2026
Details
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL, 60804 4112
New Auto Loans
4.79%
24-72
▼
APR4.79%
Term24-72
Last UpdatedMay 31, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
3153 AVENUE OF THE CITIES, MOLINE, IL, 61265
Auto Loans
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 20, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedMay 22, 2026
Details
As Low As
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
4.84%
Up to 29 months
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 31, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 21, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 22, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Used Auto Loan 2024 - 2018 Models
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.90%
60 Months
▼
APR4.90%
Term60 Months
Last UpdatedMay 20, 2026
Details
2021
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedMay 23, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
4.95%
72 Months
▼
APR4.95%
Term72 Months
Last UpdatedMay 20, 2026
Details
2022-2024
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
4435 ALBY ST, ALTON, IL, 62002 5916
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
3005 7th St, Moline, IL, 61265 5925
Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1201 N 24th St, QUINCY, IL, 62301
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 18, 2026
Details
As Low As
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2017 - 2020
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans New 2026-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans Used 2025-2023
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
13 Collinsville Ave, East Saint Louis, IL, 62201
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2022 - New; 12 - 48 ($5,000 min.)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
415 S Main St, Crystal Lake, IL, 60014
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2023 - 2025*
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loans 2019 & Newer
4.99%
69 Months
▼
APR4.99%
Term69 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
101 Wesley Dr, Wood River, IL, 62095
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2019-2027, Up to 66 months
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.99%
37 to 60
▼
APR4.99%
Term37 to 60
Last UpdatedMay 20, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.99%
3-Year
▼
APR4.99%
Term3-Year
Last UpdatedMay 22, 2026
Details
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Up To 3-Year Auto Loan
4.99%
3 Months
▼
APR4.99%
Term3 Months
Last UpdatedMay 22, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans Pre-Owned Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Pre-Owned Vehicles Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
4.99%
2027 Mo
▼
APR4.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Member Auto Loan Refinancing
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As; For vehicles up to 7 model years old, refinanced from another lender
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $45,000)
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2020-21 Models
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
5.00%
54 Months
▼
APR5.00%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.04%
30 - 41 months
▼
APR5.04%
Term30 - 41 months
Last UpdatedMay 31, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
Decatur Earthmover Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
260 W Marion Ave, Forsyth, IL, 62535
Auto Loan
5.10%
48 Months
▼
APR5.10%
Term48 Months
Last UpdatedMay 20, 2026
Details
2020
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedMay 22, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
3005 7th St, Moline, IL, 61265 5925
Vehicle Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Actors Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 16.47%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
5.24%
4-Year
▼
APR5.24%
Term4-Year
Last UpdatedMay 22, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 22, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans Pre-Owned Vehicles
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Pre-Owned Vehicles Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
Powered by
MonitorBankRates
Illinois New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
2.50%
36 Months
▼
APR2.50%
Term36 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.00%
48 Months
▼
APR3.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
3.00%
36 Months
▼
APR3.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.25%
60 Months
▼
APR3.25%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months and 72 months
▼
APR3.25%
Term36 months and 72 months
Last UpdatedMay 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
3.45%
72 Months
▼
APR3.45%
Term72 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $60,000 and Up)
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
3.59%
60 Months
▼
APR3.59%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
3.69%
36 Months
▼
APR3.69%
Term36 Months
Last UpdatedMay 22, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
3.90%
48 months
▼
APR3.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Cooperative Choice Network Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3919 N University St, Peoria, IL, 61614 6938
Auto Loan 2023 and Newer
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
*ALL RATES SUBJECT TO CREDIT APPROVAL *The Annual Percentage Rates will vary depending on the loan length, credit score, and collateral value. Please contact the Lending Department for further information ** Existing CCNCU loans are excluded from this rate
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
3.99%
2027 Mo
▼
APR3.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
Community Plus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
526 E Champaign Ave, Rantoul, IL, 61866 3005
Car Loans 2021 & Newer
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedMay 30, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
NEW VEHICLE LOANS
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 23, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
New Auto
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
up to two years old
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
▼
APR4.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
Bloomington Municipal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
602 S Gridley St, Bloomington, IL, 61701 5227
Autos & Trucks 2025 & Newer
4.09%
72 Months
▼
APR4.09%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.09%
48 Months
▼
APR4.09%
Term48 Months
Last UpdatedMay 22, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMay 23, 2026
Details
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.25%
Up to 42 Months
▼
APR4.25%
TermUp to 42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624 Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMay 17, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan New
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans New 2026-2025
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMay 23, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 20, 2026
Details
Limit of $90,000.00
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
NEW VEHICLES ONLY
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 20, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.50%
3 Years
▼
APR4.50%
Term3 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 23, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.70%
4 Years
▼
APR4.70%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loans 2019 & Newer
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMay 23, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles
4.75%
6 Months
▼
APR4.75%
Term6 Months
Last UpdatedMay 20, 2026
Details
As Low As; 6 yr Financing
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
New Autos 2024 - 2025
4.75%
Up to 54 Months
▼
APR4.75%
TermUp to 54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedMay 22, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
NEW VEHICLE LOANS
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS ~NO DOWN PAYMENT REQUIRED~; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle C 550-624 Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle D below 550 Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Financial Plus Credit Union Ottawa, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
800 Chestnut St, Ottawa, IL, 61350
2023 & Newer Model Vehicle Loans Tier 1 700+
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New Auto Loans
4.75%
84 months
▼
APR4.75%
Term84 months
Last UpdatedJun 1, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36
▼
APR4.78%
Term24-36
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
4.79%
48 Months
▼
APR4.79%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 23, 2026
Details
MWRD Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
6001 W Pershing Rd, Cicero, IL, 60804 4112
New Auto Loans
4.79%
24-72
▼
APR4.79%
Term24-72
Last UpdatedMay 31, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
4.84%
Up to 29 months
▼
APR4.84%
TermUp to 29 months
Last UpdatedMay 31, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
New Auto
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 22, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
New Auto Loan 2025 & Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Advertised auto loan rates include automatic payment option. Rates are 0.25% higher without automatic payment option.
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
4.90%
5 Years
▼
APR4.90%
Term5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars 20% Down Loan
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to 120% of Retail Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
New Cars Up to retail value Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedMay 23, 2026
Details
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
4435 ALBY ST, ALTON, IL, 62002 5916
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1201 N 24th St, QUINCY, IL, 62301
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 18, 2026
Details
As Low As
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans New 2026-2025
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Revity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
3970 Maryville Rd, Granite City, IL, 62040 4179
Auto Loans 2019 & Newer
4.99%
69 Months
▼
APR4.99%
Term69 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
101 Wesley Dr, Wood River, IL, 62095
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2019-2027, Up to 66 months
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto Loans - Promotion
4.99%
36, 48, or 60 Months
▼
APR4.99%
Term36, 48, or 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2525 Green Bay Rd, North Chicago, IL, 60064
New & Previous Model Year (2025 & 2026) Auto Loan
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
4.99%
2027 Mo
▼
APR4.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Member Auto Loan Refinancing
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As; For vehicles up to 7 model years old, refinanced from another lender
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
New Auto Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $50,000)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle A 700 & Up Loan
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle B 625-699 Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.04%
30 - 41 months
▼
APR5.04%
Term30 - 41 months
Last UpdatedMay 31, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
New Vehicle Loan* (S1)
5.10%
6 Years
▼
APR5.10%
Term6 Years
Last UpdatedMay 22, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 7.86%
450 E 22nd St Ste 250, Lombard, IL, 60148 6176
New Auto 2025 + Newer
5.24%
36 to 72 Months
▼
APR5.24%
Term36 to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans New Vehicles
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
New Vehicles Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2026 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
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MonitorBankRates
Illinois Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.25%
48 Months
▼
APR3.25%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
3.25%
12 Months
▼
APR3.25%
Term12 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.25%
24 months
▼
APR3.25%
Term24 months
Last UpdatedJun 1, 2026
Details
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months and 72 months
▼
APR3.25%
Term36 months and 72 months
Last UpdatedMay 17, 2026
Details
Qualifications Required: Must provide a vehicle description, most recent two pays stubs, proof of rent or mortgage; Application fee: $20.00
Rock Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
1201 Clifford Ave, Loves Park, IL, 61111
New/Used Vehicle
3.49%
36 months
▼
APR3.49%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
3.50%
60 Months
▼
APR3.50%
Term60 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 1, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 1, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
3.90%
36 months
▼
APR3.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
3.99%
0-36 months
▼
APR3.99%
Term0-36 months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
3.99%
2027 Mo
▼
APR3.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
4.00%
72 Months
▼
APR4.00%
Term72 Months
Last UpdatedMay 17, 2026
Details
Score A: 700 and Up (Max $50,000 and Up)
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 23, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 1, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.24%
37-48 months
▼
APR4.24%
Term37-48 months
Last UpdatedMay 23, 2026
Details
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
▼
APR4.25%
Term72 Months
Last UpdatedMay 31, 2026
Details
ABD Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
892 BELVIDERE RD, BELVIDERE, IL, 61008 9302
New and Used Auto Loans
4.25%
72 months
▼
APR4.25%
Term72 months
Last UpdatedJun 1, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.29%
36 Months
▼
APR4.29%
Term36 Months
Last UpdatedMay 22, 2026
Details
State Farm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.27%
1 State Farm Plz, Bloomington, IL, 61710 0001
New and Used Auto / Truck Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedMay 17, 2026
Details
Oak Lawn Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
9446 RAYMOND AVE, OAK LAWN, IL, 60453
Vehicle Loan Used
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMay 18, 2026
Details
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans Used 2025-2023
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.49%
12 to 36
▼
APR4.49%
Term12 to 36
Last UpdatedMay 20, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.49%
49-60 months
▼
APR4.49%
Term49-60 months
Last UpdatedMay 23, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
NEW and USED VEHICLES
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 20, 2026
Details
Limit of $90,000.00
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMay 23, 2026
Details
NADA trade-in value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value Loan
4.50%
24 months
▼
APR4.50%
Term24 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value Loan
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedMay 23, 2026
Details
Peoria Bell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8103 N University St, Peoria, IL, 61615
Used Auto 5-6 years old
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 31, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
10600 W Higgins Rd STE 104, Rosemont, IL, 60018 3715
Used Auto
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.60%
2 Years
▼
APR4.60%
Term2 Years
Last UpdatedMay 22, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedMay 22, 2026
Details
Select Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
2412 Freeport Rd, Sterling, IL, 61081 7626
New or Used Auto
4.74%
over 60 months
▼
APR4.74%
Termover 60 months
Last UpdatedMay 23, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
New and Used Vehicles
4.75%
6 Months
▼
APR4.75%
Term6 Months
Last UpdatedMay 20, 2026
Details
As Low As; 6 yr Financing
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
USED VEHICLES (2021 - 2022)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
WISE CU
Institution Rating:
A+5.0 ★ Texas Ratio: 0.69%
1416 MAINE ST, QUINCY, IL, 62301
USED VEHICLES (2023 - 2025)
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle Loan
4.75%
1-36
▼
APR4.75%
Term1-36
Last UpdatedMay 22, 2026
Details
Molex Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
2222 Wellington Ct, Lisle, IL, 60532
USED VEHICLE LOANS
4.75%
54 Months
▼
APR4.75%
Term54 Months
Last UpdatedMay 22, 2026
Details
*ADD 1% EXTRA FOR BOATS; New Molex loans only.
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle C 550-624 Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 23, 2026
Details
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2023-2024) Loan
4.78%
24 Months
▼
APR4.78%
Term24 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cornerstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
550 W Meadows Dr, Freeport, IL, 61032 7610
New/Used Cars, Trucks & Vans (2025, Newer, or Untitled) Loan
4.78%
24-36
▼
APR4.78%
Term24-36
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.79%
36 Months
▼
APR4.79%
Term36 Months
Last UpdatedMay 23, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
4.80%
3 Years
▼
APR4.80%
Term3 Years
Last UpdatedMay 22, 2026
Details
As Low As
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 22, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As
ELCA Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.33%
8765 W Higgins Rd, Chicago, IL, 60631
Used Auto Loan 2024 - 2018 Models
4.89%
36 Months
▼
APR4.89%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2024-New
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedMay 23, 2026
Details
Up to retail value
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 NADA trade-in value Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2023 - 2024 Up to retail value Loan
4.90%
24 months
▼
APR4.90%
Term24 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 NADA Trade-in Value Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to 120% of Retail Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedMay 23, 2026
Details
Area Educational Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
812 CHARLESTON AVE, MATTOON, IL, 61938
Used Cars: 2025 - 2026 Up to retail value Loan
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedMay 23, 2026
Details
Altonized Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
4435 ALBY ST, ALTON, IL, 62002 5916
New & Used Vehicles
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
1153 Blue Spring Plz, Shiloh, IL, 62269 7397
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Members Frist Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
1201 N 24th St, QUINCY, IL, 62301
Vehicle loans - new or used
4.99%
Varies
▼
APR4.99%
TermVaries
Last UpdatedMay 18, 2026
Details
As Low As
Illinois Educators Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.11%
3101 Montvale Dr, Springfield, IL, 62704 4260
Auto Loans Used 2025-2023
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midwest Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
101 Wesley Dr, Wood River, IL, 62095
New Used Auto Loan
4.99%
66 Months
▼
APR4.99%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2019-2027, Up to 66 months
Abri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
1350 W Renwick Rd, Romeoville, IL, 60446 5345
Used Automobiles
4.99%
37 to 60
▼
APR4.99%
Term37 to 60
Last UpdatedMay 20, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans Pre-Owned Vehicles
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Pre-Owned Vehicles Loan
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 23, 2026
Details
As Low As
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
4384 N Illinois St, Swansea, IL, 62226
New & Used Vehicle: 2017-2027 Models Loan
4.99%
2027 Mo
▼
APR4.99%
Term2027 Mo
Last UpdatedMay 23, 2026
Details
CTA 74th Street Depot Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 16.30%
10057 S Western Ave, Chicago, IL, 60643 1925
Used Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 17, 2026
Details
Score B: 625 - 699 (Max $45,000)
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2020-21 Models
5.00%
42 Months
▼
APR5.00%
Term42 Months
Last UpdatedMay 20, 2026
Details
As Low As
Access Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
1807 W Cermak Rd, Broadview, IL, 60155
Used Autos 2022-23 Models
5.00%
54 Months
▼
APR5.00%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
5.00%
4 Years
▼
APR5.00%
Term4 Years
Last UpdatedMay 22, 2026
Details
As Low As
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle A 700 & Up Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 23, 2026
Details
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.51%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle B 625-699 Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 23, 2026
Details
Metro Federal Credit Union Arlington Heights, IL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
2440 E Rand Rd, Arlington Heights, IL, 60004 5802
Used Auto
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
Taylorville Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
138 E Wood St, Hillsboro, IL, 62049 1513
New and Used Vehicle Loans 2022-2023
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedMay 23, 2026
Details
CBI Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
13717 S Route 30 Ste 157, Plainfield, IL, 60544 5560
Used Vehicle Loan** (S2)
5.20%
5 Years
▼
APR5.20%
Term5 Years
Last UpdatedMay 22, 2026
Details
As Low As
Northern Illinois Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.13%
817 W LINCOLN HWY, DEKALB, IL, 60115
Used Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMay 22, 2026
Details
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans Pre-Owned Vehicles
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.68%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Pre-Owned Vehicles Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 23, 2026
Details
As Low As; Model Year 2022 - 2025
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
848 N Green Mount Rd, Shiloh, IL, 62221 3354
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
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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.
New Auto Loan — IL Avg
5.454%
▼ 0.034 vs 7 days ago
Illinois new auto rates fell 0.034 points over the past 7 days to 5.454% APR.
Used Auto Loan — IL Avg
6.250%
▲ 0.088 vs 7 days ago
Illinois used auto rates rose 0.088 points over the past 7 days to 6.250% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
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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.
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.
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:
- CTA 74th Street Depot Federal Credit Union: 2.50% (New Auto Loan)
- Chicago Firefighters Credit Union: 3.00% (New Vehicle A 700 & Up Loan)
- Baxter Credit Union: 3.24% (Auto Loans)
- ABD Federal Credit Union: 3.25% (New and Used Auto Loans)
- South Side Community Federal Credit Union: 3.25% (New and Used Auto Loans)
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: June 1, 2026
Auto Loan Rates by City in Illinois
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