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  9. Auto Loan Rate Trends

Chicago, Illinois Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Chicago, Illinois. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Chicago, Illinois auto loan rates range from 3.00% to 7.00% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Chicago, Illinois include Chicago Firefighters Credit UnionChicago Firefighters Credit Union6230 S Central Ave, Chicago, IL, 60638A+5.0 ★Texas Ratio: 0.28% offering New Vehicle Loan at 3.00%, South Side Community Federal Credit UnionSouth Side Community Federal Credit Union5401 S Wentworth Ave, Chicago, IL, 60609 6349A+5.0 ★Texas Ratio: 0.97% offering New and Used Auto Loans at 3.25%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionOHare International Airport, Chicago, IL, 60666A+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Chicagos Bravest Credit UnionChicagos Bravest Credit Union10231 S Western Ave, Chicago, IL, 60643 1917A+5.0 ★Texas Ratio: 2.42% offering New Vehicle Loan at 3.50%, Actors Federal Credit UnionActors Federal Credit Union557 W Randolph St, Chicago, IL, 60661A-5.0 ★Texas Ratio: 15.48% offering Auto Loans at 3.74%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Chicago has 24 local institutions in our database, with auto loan rates as low as 3.00% APR from Chicago Firefighters Credit Union at 6230 S Central Ave, Chicago, IL, 60638. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.

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

Compare Auto Loan Rates Today in Chicago, Illinois & Surrounding Area

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

Chicago Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.00%
36 months
View
▼
APR3.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
48 months
View
▼
APR3.50%
Term48 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

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

Credit Score: A 700 & Up

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
3.74%
2-Year
View
▼
APR3.74%
Term2-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.74% APR · checked 2 times
3.24%3.74%4.24%Oct 9, 2026: 3.74% APROct 9, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
New Car Loan
3.99%
up to 7 years
View
▼
APR3.99%
Termup to 7 years
Last UpdatedOct 8, 2026
Details

Best Rate

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

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

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

Credit Score: A 700 & Up

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

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

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

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

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

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

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.24%
3-Year
View
▼
APR4.24%
Term3-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 2 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
View
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 13, 2026
Details

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

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

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

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

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
Auto Loans
4.39%
60-month
View
▼
APR4.39%
Interest Rate4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 5.40% → 4.39% ▼ 1.01 pts · high 5.40% / low 4.39%
3.38%4.90%6.41%Sep 14, 2026: 5.40% APROct 10, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.39%▼ from 5.40%
  • Sep 14, 20265.40%first recorded
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.49%
4-Year
View
▼
APR4.49%
Term4-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL, 60608
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL, 60601 5946
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

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

Credit Score: A 700 & Up

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

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

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

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

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

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

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

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

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

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

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL, 60607 4908
Auto Loan - Includes Titled Vehicles
4.59%
72-month
View
▼
APR4.59%
Interest Rate4.49%
Term72-month
Last UpdatedOct 13, 2026
Details

As Low As; Includes Titled Vehicles; $15,000 minimum loan amount, $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee

Rate History
No change since Oct 13, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 13, 2026: 4.59% APROct 13, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2020 - 2021 Loan
4.60%
Max 72 months
View
▼
APR4.60%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.60% APR
4.10%4.60%5.10%Oct 13, 2026: 4.60% APROct 13, 2026Oct 13, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL, 60607 4908
Auto Loan - Includes Titled Vehicles
4.61%
60-month
View
▼
APR4.61%
Interest Rate4.49%
Term60-month
Last UpdatedOct 13, 2026
Details

As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee

Rate History
No change since Oct 13, 2026 · 4.61% APR
4.11%4.61%5.11%Oct 13, 2026: 4.61% APROct 13, 2026Oct 13, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL, 60607 4908
Auto Loan - Includes Titled Vehicles
4.64%
48-month
View
▼
APR4.64%
Interest Rate4.49%
Term48-month
Last UpdatedOct 13, 2026
Details

As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee

Rate History
No change since Oct 13, 2026 · 4.64% APR
4.14%4.64%5.14%Oct 13, 2026: 4.64% APROct 13, 2026Oct 13, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL, 60607 4908
Auto Loan - Includes Titled Vehicles
4.68%
36-month
View
▼
APR4.68%
Interest Rate4.49%
Term36-month
Last UpdatedOct 13, 2026
Details

As Low As; Includes Titled Vehicles; $20,000 loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee

Rate History
No change since Oct 13, 2026 · 4.68% APR
4.18%4.68%5.18%Oct 13, 2026: 4.68% APROct 13, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 4.69% APR
4.19%4.69%5.19%Oct 12, 2026: 4.69% APROct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 4.69% APR
4.19%4.69%5.19%Oct 12, 2026: 4.69% APROct 12, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.74%
5-Year
View
▼
APR4.74%
Term5-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.74% APR · checked 2 times
4.24%4.74%5.24%Oct 9, 2026: 4.74% APROct 9, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
4.74%
76-84 months
View
▼
APR4.74%
Term76-84 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
4.74%
76-84 months
View
▼
APR4.74%
Term76-84 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.25% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 5 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 72 Months
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 5 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 12, 2026: 4.89% APROct 12, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2017 - 2019 Loan
4.95%
Max 66 months
View
▼
APR4.95%
TermMax 66 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 13, 2026: 4.95% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Auto Loans
4.95%
36 months
View
▼
APR4.95%
Term36 months
Last UpdatedOct 9, 2026
Details

As Low As; LIMITED TIME ONLY!

Rate History
No change since Sep 14, 2026 · 4.95% APR · checked 6 times
4.45%4.95%5.45%Sep 14, 2026: 4.95% APRSep 14, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 36 Months
4.95%
Up to 36 Months
View
▼
APR4.95%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.95% APR · checked 7 times
4.45%4.95%5.45%Sep 14, 2026: 4.95% APRSep 14, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
4.99%
6-Year
View
▼
APR4.99%
Term6-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 9, 2026: 4.99% APROct 9, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
4.99%
36 to 48 months
View
▼
APR4.99%
Interest Rate4.99%
Term36 to 48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
2.00%4.25%6.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.04%
30 - 41 months
View
▼
APR5.04%
Term30 - 41 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 5 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 12, 2026: 5.19% APROct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.19%
36 months
View
▼
APR5.19%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 12, 2026: 5.19% APROct 12, 2026Oct 13, 2026
Actors Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.48%
557 W Randolph St, Chicago, IL, 60661
Auto Loans
5.24%
7-Year
View
▼
APR5.24%
Term7-Year
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 9, 2026: 5.24% APROct 9, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.24%
Up to 48 months
View
▼
APR5.24%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.25%
Up to 24 Months
View
▼
APR5.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 21, 2026: 5.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 17, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
5.25%
Up to 36 Months
View
▼
APR5.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
1 change since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 14, 2026: 4.75% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.34%
42 - 53 months
View
▼
APR5.34%
Term42 - 53 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.34% APR · checked 5 times
4.84%5.34%5.84%Sep 14, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 84 Months
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 12, 2026: 5.39% APROct 12, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
5.45%
24 Months
View
▼
APR5.45%
Interest Rate5.45%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
2 changes since Sep 15, 2026 · 4.20% → 5.45% ▲ 1.25 pts · high 6.45% / low 4.20%
1.95%5.32%8.70%Sep 15, 2026: 4.20% APRSep 24, 2026: 6.45% APRSep 27, 2026: 5.45% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20265.45%▼ from 6.45%
  • Sep 24, 20266.45%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
135 S La Salle St, Chicago, IL, 60603
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 17, 2026: 5.25% APRSep 21, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20265.50%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 21, 2026: 5.50% APRSep 21, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 48 Months
5.50%
Up to 48 Months
View
▼
APR5.50%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
5.50%
60 months
View
▼
APR5.50%
Interest Rate5.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
Used Car Loan
5.50%
36 to 48 months
View
▼
APR5.50%
Interest Rate5.50%
Term36 to 48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Park Manor Christian Church Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
600 E 73rd St, Chicago, IL, 60619 1827
Vehicle Buy Back Loan
5.50%
60 to 72 month terms
View
▼
APR5.50%
Interest Rate5.50%
Term60 to 72 month terms
Last UpdatedOct 9, 2026
Details

Model Year: 2026 - 2024; Based on credit worthiness

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Park Manor Christian Church Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
600 E 73rd St, Chicago, IL, 60619 1827
Vehicle Loan
5.50%
60 to 72 month terms
View
▼
APR5.50%
Interest Rate5.50%
Term60 to 72 month terms
Last UpdatedOct 9, 2026
Details

Model Year: 2026 - 2024; Based on credit worthiness

Rate History
No change since Sep 29, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 29, 2026: 5.50% APRSep 29, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
1 change since Sep 14, 2026 · 6.00% → 5.50% ▼ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Sep 14, 2026: 6.00% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.50% ▼ 1.50 pts · high 7.00% / low 5.50%
4.00%6.25%8.50%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.54%
54 - 65 months
View
▼
APR5.54%
Term54 - 65 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Oct 13, 2026
Verve a Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
525 W Roosevelt Rd, Chicago, IL, 60607 4908
Auto Loan - Includes Titled Vehicles
5.55%
84-month
View
▼
APR5.55%
Interest Rate5.49%
Term84-month
Last UpdatedOct 13, 2026
Details

As Low As; Includes Titled Vehicles; $30,000 minimum loan amount, LTV <=80%, credit score >=725; $10,000 account relationship required; APR includes $59 loan processing fee

Rate History
No change since Oct 13, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 13, 2026: 5.55% APROct 13, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 12, 2026: 5.59% APROct 12, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Oct 12, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 12, 2026: 5.59% APROct 12, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
135 S La Salle St, Chicago, IL, 60603
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 60 Months
5.70%
Up to 60 Months
View
▼
APR5.70%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 7 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
5.75%
36 Months
View
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
2 changes since Sep 15, 2026 · 4.50% → 5.75% ▲ 1.25 pts · high 6.45% / low 4.50%
2.55%5.48%8.40%Sep 15, 2026: 4.50% APRSep 24, 2026: 6.45% APRSep 27, 2026: 5.75% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20265.75%▼ from 6.45%
  • Sep 24, 20266.45%▲ from 4.50%
  • Sep 15, 20264.50%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
5.79%
Up to 62 months
View
▼
APR5.79%
TermUp to 62 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 13, 2026: 5.79% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 72 Months
5.80%
Up to 72 Months
View
▼
APR5.80%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 7 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
5.80%
Up to 48 Months
View
▼
APR5.80%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 7 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2012 - 2016 Loan
5.95%
MAX 60 months
View
▼
APR5.95%
TermMAX 60 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 13, 2026: 5.95% APROct 13, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Tesla New Vehicle Rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
Used Car Loan
5.99%
up to 6 years
View
▼
APR5.99%
Termup to 6 years
Last UpdatedOct 8, 2026
Details

Best Rate

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 9 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.00%
78 Months
View
▼
APR6.00%
Term78 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 21, 2026: 6.00% APRSep 21, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.00%
Up to 60 Months
View
▼
APR6.00%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
6.00%
72 months
View
▼
APR6.00%
Interest Rate6.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 4 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
Used Car Loan
6.00%
60 months
View
▼
APR6.00%
Interest Rate6.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 4 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.00%
84 months
View
▼
APR6.00%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 6.00% ▼ 1.00 pts · high 7.00% / low 6.00%
5.00%6.50%8.00%Sep 14, 2026: 7.00% APRSep 18, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
6.04%
66 - 72 months
View
▼
APR6.04%
Term66 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 5 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $15,000+

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
6.09%
63 - 66 months
View
▼
APR6.09%
Term63 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 13, 2026: 6.09% APROct 13, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
6.10%
48 Months
View
▼
APR6.10%
Interest Rate6.10%
Term48 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
1 change since Sep 15, 2026 · 4.85% → 6.10% ▲ 1.25 pts · high 6.10% / low 4.85%
3.60%5.48%7.35%Sep 15, 2026: 4.85% APRSep 27, 2026: 6.10% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20266.10%▲ from 4.85%
  • Sep 15, 20264.85%first recorded
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.10%
Up to 72 Months
View
▼
APR6.10%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.10% APR · checked 7 times
5.60%6.10%6.60%Sep 14, 2026: 6.10% APRSep 14, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Older Models
6.24%
Up to 36 months
View
▼
APR6.24%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2019 - 2021; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 13, 2026: 6.24% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.25%
90 Months
View
▼
APR6.25%
Term90 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
Up to 24 Months
View
▼
APR6.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
66 Months
View
▼
APR6.25%
Term66 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 36 Months
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 18, 2026: 5.49% APROct 13, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 20266.25%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 48 Months
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 18, 2026: 5.49% APROct 13, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 20266.25%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 60-66 Months
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - Up to 24 Months
6.25%
Up to 24 Months
View
▼
APR6.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto Up (2026-and Newer) Up to 84 Months
6.25%
Up to 84 Months
View
▼
APR6.25%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
1 change since Sep 14, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 14, 2026: 6.75% APRSep 18, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.25%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.25%
60 months
View
▼
APR6.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto Loan
6.30%
Up to 60 Months
View
▼
APR6.30%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as; Used (2024 - 2023)

Rate History
No change since Oct 9, 2026 · 6.30% APR · checked 3 times
5.80%6.30%6.80%Oct 9, 2026: 6.30% APROct 9, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
New Vehicle Rate Loan
6.34%
60 months
View
▼
APR6.34%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 10, 2026: 6.34% APROct 10, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Tesla Used Vehicle Rate Loan
6.34%
60 months
View
▼
APR6.34%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 10, 2026: 6.34% APROct 10, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
6.45%
24 Months
View
▼
APR6.45%
Interest Rate6.45%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.20% → 6.45% ▲ 2.25 pts · high 6.45% / low 4.20%
1.95%5.32%8.70%Sep 15, 2026: 4.20% APROct 7, 2026: 6.45% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.45%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 36 Months Loan
6.45%
36 Months
View
▼
APR6.45%
Interest Rate6.45%
Term36 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.50% → 6.45% ▲ 1.95 pts · high 6.45% / low 4.50%
2.55%5.48%8.40%Sep 15, 2026: 4.50% APROct 7, 2026: 6.45% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.45%▲ from 4.50%
  • Sep 15, 20264.50%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
6.45%
60 Months
View
▼
APR6.45%
Interest Rate6.45%
Term60 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
1 change since Sep 24, 2026 · 5.20% → 6.45% ▲ 1.25 pts · high 6.45% / low 5.20%
3.95%5.83%7.70%Sep 24, 2026: 5.20% APRSep 27, 2026: 6.45% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.45%▲ from 5.20%
  • Sep 24, 20265.20%first recorded
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Older Models
6.49%
Up to 48 months
View
▼
APR6.49%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2018 - 2020; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 13, 2026: 6.49% APROct 13, 2026Oct 13, 2026
Park Manor Christian Church Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
600 E 73rd St, Chicago, IL, 60619 1827
Vehicle Buy Back Loan
6.50%
48 to 72 month terms
View
▼
APR6.50%
Interest Rate6.50%
Term48 to 72 month terms
Last UpdatedOct 9, 2026
Details

Model Year: 2023, 2022; Based on credit worthiness

Rate History
No change since Sep 14, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 14, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
Park Manor Christian Church Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.50%
600 E 73rd St, Chicago, IL, 60619 1827
Vehicle Loan
6.50%
48 to 72 month terms
View
▼
APR6.50%
Interest Rate6.50%
Term48 to 72 month terms
Last UpdatedOct 9, 2026
Details

Model Year: 2023, 2022; Based on credit worthiness

Rate History
No change since Sep 29, 2026 · 6.50% APR · checked 2 times
6.00%6.50%7.00%Sep 29, 2026: 6.50% APRSep 29, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 6.50% ▼ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 7.00% APRSep 18, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.50%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.51%
3 Years
View
▼
APR6.51%
Term3 Years
Last UpdatedOct 13, 2026
Details

Additional APR listed for this product: 7.01%. Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.51% ▲ 1.02 pts · high 6.51% / low 5.49%
4.47%6.00%7.53%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.51% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.51%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
6.54%
73 - 84 months
View
▼
APR6.54%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 6.54% APR · checked 5 times
6.04%6.54%7.04%Sep 14, 2026: 6.54% APRSep 14, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.55%
Up to 84 Months
View
▼
APR6.55%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.55% APR · checked 7 times
6.05%6.55%7.05%Sep 14, 2026: 6.55% APRSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Used Vehicle Rate Loan
6.59%
60 months
View
▼
APR6.59%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.59% APR
6.09%6.59%7.09%Oct 10, 2026: 6.59% APROct 10, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto Loan
6.60%
Up to 60 Months
View
▼
APR6.60%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as; Used (2022 - older)

Rate History
No change since Oct 9, 2026 · 6.60% APR · checked 3 times
6.10%6.60%7.10%Oct 9, 2026: 6.60% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
1 change since Sep 14, 2026 · 7.25% → 6.75% ▼ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 14, 2026: 7.25% APRSep 18, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.75%▼ from 7.25%
  • Sep 14, 20267.25%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.75%
72 months
View
▼
APR6.75%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 6.89% APR
6.39%6.89%7.39%Oct 12, 2026: 6.89% APROct 12, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
6.90%
24 months
View
▼
APR6.90%
Interest Rate6.90%
Term24 months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.20% → 6.90% ▲ 2.70 pts · high 6.90% / low 4.20%
1.50%5.55%9.60%Sep 15, 2026: 4.20% APROct 7, 2026: 6.90% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.90%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
7.00%
24 Months
View
▼
APR7.00%
Interest Rate7.00%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%; Payment Example(Monthly): $447.73

Rate History
1 change since Sep 15, 2026 · 4.20% → 7.00% ▲ 2.80 pts · high 7.00% / low 4.20%
1.40%5.60%9.80%Sep 15, 2026: 4.20% APROct 7, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.00%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 36 Months Loan
7.00%
36 months
View
▼
APR7.00%
Interest Rate7.00%
Term36 months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.50% → 7.00% ▲ 2.50 pts · high 7.00% / low 4.50%
2.00%5.75%9.50%Sep 15, 2026: 4.50% APROct 7, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.00%▲ from 4.50%
  • Sep 15, 20264.50%first recorded

Chicago New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.00%
36 months
View
▼
APR3.00%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
3.50%
48 months
View
▼
APR3.50%
Term48 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
2.50%3.25%4.00%Sep 14, 2026: 3.00% APRSep 18, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20263.50%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 6 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
New Car Loan
3.99%
up to 7 years
View
▼
APR3.99%
Termup to 7 years
Last UpdatedOct 8, 2026
Details

Best Rate

Rate History
No change since Sep 12, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 12, 2026: 3.99% APRSep 12, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 36 Months
3.99%
36 Months
View
▼
APR3.99%
Interest Rate3.74%
Term36 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.00%
60 months
View
▼
APR4.00%
Term60 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.00%
48 Months
View
▼
APR4.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 48 Months
4.18%
48 Months
View
▼
APR4.18%
Interest Rate3.99%
Term48 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.18% APR · checked 5 times
3.68%4.18%4.68%Sep 18, 2026: 4.18% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
New Vehicles - New Never Titled Loan
4.25%
Max 84 months
View
▼
APR4.25%
TermMax 84 months
Last UpdatedOct 13, 2026
Details

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

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

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

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

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 5 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 60 Months
4.39%
60 Months
View
▼
APR4.39%
Interest Rate4.24%
Term60 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.39% APR · checked 5 times
3.89%4.39%4.89%Sep 18, 2026: 4.39% APRSep 18, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL, 60608
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
233 N Michigan Ave Lbby C010, Chicago, IL, 60601 5946
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.50%
72 months
View
▼
APR4.50%
Term72 months
Last UpdatedOct 9, 2026
Details

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

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
4.50%
60 Months
View
▼
APR4.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

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

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

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

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

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.50% ▲ 1.00 pts · high 4.50% / low 3.50%
2.50%4.00%5.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.50%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 4.69% APR
4.19%4.69%5.19%Oct 12, 2026: 4.69% APROct 12, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
New & Previous Model Year (2025 & 2026) Auto Loan
4.74%
76-84 months
View
▼
APR4.74%
Term76-84 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.74%
Up to 48 months
View
▼
APR4.74%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.75%
48 months
View
▼
APR4.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
1 change since Sep 14, 2026 · 4.25% → 4.75% ▲ 0.50 pts · high 4.75% / low 4.25%
3.75%4.50%5.25%Sep 14, 2026: 4.25% APRSep 18, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.75%▲ from 4.25%
  • Sep 14, 20264.25%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
4.84%
Up to 29 months
View
▼
APR4.84%
TermUp to 29 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 5 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 72 Months
4.87%
72 Months
View
▼
APR4.87%
Interest Rate4.74%
Term72 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 4.87% APR · checked 5 times
4.37%4.87%5.37%Sep 18, 2026: 4.87% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
4.89%
36 months
View
▼
APR4.89%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 12, 2026: 4.89% APROct 12, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 36 Months
4.95%
Up to 36 Months
View
▼
APR4.95%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.95% APR · checked 7 times
4.45%4.95%5.45%Sep 14, 2026: 4.95% APRSep 14, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
4.99%
36 to 48 months
View
▼
APR4.99%
Interest Rate4.99%
Term36 to 48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.00%
84 months
View
▼
APR5.00%
Term84 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 14, 2026: 5.50% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▼ from 5.50%
  • Sep 14, 20265.50%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
2.00%4.25%6.50%Sep 14, 2026: 3.50% APRSep 18, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.04%
30 - 41 months
View
▼
APR5.04%
Term30 - 41 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.04% APR · checked 5 times
4.54%5.04%5.54%Sep 14, 2026: 5.04% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.19%
48 months
View
▼
APR5.19%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 12, 2026: 5.19% APROct 12, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - New Vehicles
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.25%
Up to 24 Months
View
▼
APR5.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 21, 2026: 5.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.25%
36 Months
View
▼
APR5.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 17, 2026 · 5.25% APR · checked 8 times
4.75%5.25%5.75%Sep 17, 2026: 5.25% APRSep 17, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.34%
42 - 53 months
View
▼
APR5.34%
Term42 - 53 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.34% APR · checked 5 times
4.84%5.34%5.84%Sep 14, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
828 S Wolcott Ave Rm 120N, Chicago, IL, 60612
New Auto 2025 & Newer - 84 Months
5.35%
84 Months
View
▼
APR5.35%
Interest Rate5.24%
Term84 Months
Last UpdatedOct 10, 2026
Details

Model Year: New Auto 2025 & Newer

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.39%
60 months
View
▼
APR5.39%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 12, 2026: 5.39% APROct 12, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
5.45%
24 Months
View
▼
APR5.45%
Interest Rate5.45%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
2 changes since Sep 15, 2026 · 4.20% → 5.45% ▲ 1.25 pts · high 6.45% / low 4.20%
1.95%5.32%8.70%Sep 15, 2026: 4.20% APRSep 24, 2026: 6.45% APRSep 27, 2026: 5.45% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20265.45%▼ from 6.45%
  • Sep 24, 20266.45%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
135 S La Salle St, Chicago, IL, 60603
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 17, 2026 · 5.25% → 5.50% ▲ 0.25 pts · high 5.50% / low 5.25%
4.75%5.38%6.00%Sep 17, 2026: 5.25% APRSep 21, 2026: 5.50% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20265.50%▲ from 5.25%
  • Sep 17, 20265.25%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
5.50%
66 Months
View
▼
APR5.50%
Term66 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 21, 2026: 5.50% APRSep 21, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 48 Months
5.50%
Up to 48 Months
View
▼
APR5.50%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
5.50%
60 months
View
▼
APR5.50%
Interest Rate5.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 5.50% ▼ 1.50 pts · high 7.00% / low 5.50%
4.00%6.25%8.50%Sep 14, 2026: 7.00% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
5.54%
54 - 65 months
View
▼
APR5.54%
Term54 - 65 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 5.54% APR · checked 5 times
5.04%5.54%6.04%Sep 14, 2026: 5.54% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
5.59%
72 months
View
▼
APR5.59%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 12, 2026: 5.59% APROct 12, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 60 Months
5.70%
Up to 60 Months
View
▼
APR5.70%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.70% APR · checked 7 times
5.20%5.70%6.20%Sep 14, 2026: 5.70% APRSep 14, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
5.75%
36 Months
View
▼
APR5.75%
Interest Rate5.75%
Term36 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
2 changes since Sep 15, 2026 · 4.50% → 5.75% ▲ 1.25 pts · high 6.45% / low 4.50%
2.55%5.48%8.40%Sep 15, 2026: 4.50% APRSep 24, 2026: 6.45% APRSep 27, 2026: 5.75% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20265.75%▼ from 6.45%
  • Sep 24, 20266.45%▲ from 4.50%
  • Sep 15, 20264.50%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
5.79%
Up to 62 months
View
▼
APR5.79%
TermUp to 62 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 13, 2026: 5.79% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto (2026 -and Newer) Up to 72 Months
5.80%
Up to 72 Months
View
▼
APR5.80%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 7 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Tesla New Vehicle Rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 9 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.00%
78 Months
View
▼
APR6.00%
Term78 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 6.00% APR · checked 6 times
5.50%6.00%6.50%Sep 21, 2026: 6.00% APRSep 21, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
New Car Loan
6.00%
72 months
View
▼
APR6.00%
Interest Rate6.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 4 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 6.00% ▼ 1.00 pts · high 7.00% / low 6.00%
5.00%6.50%8.00%Sep 14, 2026: 7.00% APRSep 18, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.00%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
6.04%
66 - 72 months
View
▼
APR6.04%
Term66 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 6.04% APR · checked 5 times
5.54%6.04%6.54%Sep 14, 2026: 6.04% APRSep 14, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
6.09%
63 - 66 months
View
▼
APR6.09%
Term63 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 13, 2026: 6.09% APROct 13, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
6.10%
48 Months
View
▼
APR6.10%
Interest Rate6.10%
Term48 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
1 change since Sep 15, 2026 · 4.85% → 6.10% ▲ 1.25 pts · high 6.10% / low 4.85%
3.60%5.48%7.35%Sep 15, 2026: 4.85% APRSep 27, 2026: 6.10% APRSep 15, 2026Oct 13, 2026
  • Sep 27, 20266.10%▲ from 4.85%
  • Sep 15, 20264.85%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
New Vehicle Loans
6.25%
90 Months
View
▼
APR6.25%
Term90 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 6 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
New Auto Up (2026-and Newer) Up to 84 Months
6.25%
Up to 84 Months
View
▼
APR6.25%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.25% APR · checked 7 times
5.75%6.25%6.75%Sep 14, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.25%
84 months
View
▼
APR6.25%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
1 change since Sep 14, 2026 · 6.75% → 6.25% ▼ 0.50 pts · high 6.75% / low 6.25%
5.75%6.50%7.25%Sep 14, 2026: 6.75% APRSep 18, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.25%▼ from 6.75%
  • Sep 14, 20266.75%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
New Vehicle Rate Loan
6.34%
60 months
View
▼
APR6.34%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 10, 2026: 6.34% APROct 10, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
6.45%
24 Months
View
▼
APR6.45%
Interest Rate6.45%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.20% → 6.45% ▲ 2.25 pts · high 6.45% / low 4.20%
1.95%5.32%8.70%Sep 15, 2026: 4.20% APROct 7, 2026: 6.45% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.45%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 36 Months Loan
6.45%
36 Months
View
▼
APR6.45%
Interest Rate6.45%
Term36 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.50% → 6.45% ▲ 1.95 pts · high 6.45% / low 4.50%
2.55%5.48%8.40%Sep 15, 2026: 4.50% APROct 7, 2026: 6.45% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.45%▲ from 4.50%
  • Sep 15, 20264.50%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) Loan
6.45%
60 Months
View
▼
APR6.45%
Interest Rate6.45%
Term60 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 90%

Rate History
1 change since Sep 24, 2026 · 5.20% → 6.45% ▲ 1.25 pts · high 6.45% / low 5.20%
3.95%5.83%7.70%Sep 24, 2026: 5.20% APRSep 27, 2026: 6.45% APRSep 24, 2026Oct 13, 2026
  • Sep 27, 20266.45%▲ from 5.20%
  • Sep 24, 20265.20%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 7.00% → 6.50% ▼ 0.50 pts · high 7.00% / low 6.50%
6.00%6.75%7.50%Sep 14, 2026: 7.00% APRSep 18, 2026: 6.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.50%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
New Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549 - below; 80% Financing, 20% down required; Includes recreational vehicle loans

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 5 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
New Auto Loans
6.54%
73 - 84 months
View
▼
APR6.54%
Term73 - 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto loan APR

Rate History
No change since Sep 14, 2026 · 6.54% APR · checked 5 times
6.04%6.54%7.04%Sep 14, 2026: 6.54% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
New Vehicle Loan
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 5 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
New Automobile Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $20,000+; Up to 125% financing for qualified applicants

Rate History
No change since Oct 12, 2026 · 6.89% APR
6.39%6.89%7.39%Oct 12, 2026: 6.89% APROct 12, 2026Oct 13, 2026
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
6.90%
24 months
View
▼
APR6.90%
Interest Rate6.90%
Term24 months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.20% → 6.90% ▲ 2.70 pts · high 6.90% / low 4.20%
1.50%5.55%9.60%Sep 15, 2026: 4.20% APROct 7, 2026: 6.90% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20266.90%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 24 Months Loan
7.00%
24 Months
View
▼
APR7.00%
Interest Rate7.00%
Term24 Months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%; Payment Example(Monthly): $447.73

Rate History
1 change since Sep 15, 2026 · 4.20% → 7.00% ▲ 2.80 pts · high 7.00% / low 4.20%
1.40%5.60%9.80%Sep 15, 2026: 4.20% APROct 7, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.00%▲ from 4.20%
  • Sep 15, 20264.20%first recorded
First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
13220 S Baltimore Ave, Chicago, IL, 60633
New Cars, Vans, SUV's, Light Duty Trucks (2026-2025 Dealers Sales) - 36 Months Loan
7.00%
36 months
View
▼
APR7.00%
Interest Rate7.00%
Term36 months
Last UpdatedOct 11, 2026
Details

Loan-to-Value: 80%

Rate History
1 change since Sep 15, 2026 · 4.50% → 7.00% ▲ 2.50 pts · high 7.00% / low 4.50%
2.00%5.75%9.50%Sep 15, 2026: 4.50% APROct 7, 2026: 7.00% APRSep 15, 2026Oct 13, 2026
  • Oct 7, 20267.00%▲ from 4.50%
  • Sep 15, 20264.50%first recorded

Chicago Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
South Side Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
5401 S Wentworth Ave, Chicago, IL, 60609 6349
New and Used Auto Loans
3.25%
36 months
View
▼
APR3.25%
Term36 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.25% APR · checked 8 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 14, 2026 · 3.50% APR · checked 5 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
3.99%
63 or Less months
View
▼
APR3.99%
Term63 or Less months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

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

Credit Score: B 625-699

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

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

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
4.24%
64-75 months
View
▼
APR4.24%
Term64-75 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 18, 2026: 4.24% APRSep 18, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2022 & Newer Loan
4.25%
Max 72 months
View
▼
APR4.25%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
NuMark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3040 S Halsted St, Chicago, IL, 60608
New & Used Vehicle Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 18, 2026: 4.49% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.50%
60 months
View
▼
APR4.50%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

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

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 4 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

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

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

Rate History
No change since Sep 18, 2026 · 4.50% APR · checked 3 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
OHare International Airport, Chicago, IL, 60666
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2020 - 2021 Loan
4.60%
Max 72 months
View
▼
APR4.60%
TermMax 72 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.60% APR
4.10%4.60%5.10%Oct 13, 2026: 4.60% APROct 13, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
4.69%
Up to 24 months
View
▼
APR4.69%
TermUp to 24 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 4.69% APR
4.19%4.69%5.19%Oct 12, 2026: 4.69% APROct 12, 2026Oct 13, 2026
Great Lakes Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.76%
1011 W Lawrence Ave, Chicago, IL, 60640 5017
Used (2016 - 2024) Auto Loan
4.74%
76-84 months
View
▼
APR4.74%
Term76-84 months
Last UpdatedOct 9, 2026
Details

As Low As; Vehicle Type

Rate History
No change since Sep 18, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 18, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2017 - 2019 Loan
4.95%
Max 66 months
View
▼
APR4.95%
TermMax 66 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.95% APR
4.45%4.95%5.45%Oct 13, 2026: 4.95% APROct 13, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.00%
60 months
View
▼
APR5.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 3 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.19%
36 months
View
▼
APR5.19%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 5.19% APR
4.69%5.19%5.69%Oct 12, 2026: 5.19% APROct 12, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.24%
Up to 48 months
View
▼
APR5.24%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
5.25%
Up to 36 Months
View
▼
APR5.25%
TermUp to 36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 7 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
1 change since Sep 14, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 14, 2026: 4.75% APRSep 18, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.25%▲ from 4.75%
  • Sep 14, 20264.75%first recorded
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $2,500+

Rate History
No change since Oct 12, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 12, 2026: 5.49% APROct 12, 2026Oct 13, 2026
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.49%
Up to 60 months
View
▼
APR5.49%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
Used Car Loan
5.50%
36 to 48 months
View
▼
APR5.50%
Interest Rate5.50%
Term36 to 48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.50%
84 months
View
▼
APR5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: A 700 & Up

Rate History
1 change since Sep 14, 2026 · 6.00% → 5.50% ▼ 0.50 pts · high 6.00% / low 5.50%
5.00%5.75%6.50%Sep 14, 2026: 6.00% APRSep 18, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20265.50%▼ from 6.00%
  • Sep 14, 20266.00%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
5.59%
60 months
View
▼
APR5.59%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $5,000+

Rate History
No change since Oct 12, 2026 · 5.59% APR
5.09%5.59%6.09%Oct 12, 2026: 5.59% APROct 12, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
135 S La Salle St, Chicago, IL, 60603
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Maroon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.20%
5525 S Ellis Ave Ste C, Chicago, IL, 60637
Auto Loans - Pre-Owned Vehicles
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2022 - 2025; Discount available for larger down payments; Automobiles must have a minimum finance value of $4,000

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
5.75%
48 months
View
▼
APR5.75%
Term48 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
5.79%
Up to 62 months
View
▼
APR5.79%
TermUp to 62 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 5.79% APR
5.29%5.79%6.29%Oct 13, 2026: 5.79% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
5.80%
Up to 48 Months
View
▼
APR5.80%
TermUp to 48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.80% APR · checked 7 times
5.30%5.80%6.30%Sep 14, 2026: 5.80% APRSep 14, 2026Oct 13, 2026
Policemens Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
4100 W 76TH ST, CHICAGO, IL, 60652 5600
Used Vehicles - 2012 - 2016 Loan
5.95%
MAX 60 months
View
▼
APR5.95%
TermMAX 60 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 5.95% APR
5.45%5.95%6.45%Oct 13, 2026: 5.95% APROct 13, 2026Oct 13, 2026
Chicago Area Office Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
600 W MADISON ST, Chicago, IL, 60661 2406
Used Car Loan
5.99%
up to 6 years
View
▼
APR5.99%
Termup to 6 years
Last UpdatedOct 8, 2026
Details

Best Rate

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 6 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.00%
Up to 60 Months
View
▼
APR6.00%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Saint Gregory Parish Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1609 W Gregory St FL 1, Chicago, IL, 60640 1107
Used Car Loan
6.00%
60 months
View
▼
APR6.00%
Interest Rate6.00%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 4 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.00%
84 months
View
▼
APR6.00%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: B 625-699

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 5 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.00%
48 Months
View
▼
APR6.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.00% APR · checked 3 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APRSep 18, 2026Oct 13, 2026
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
2111 W Roosevelt Rd Ste 194, Chicago, IL, 60608 1128
Used Automobile Loan
6.09%
72 months
View
▼
APR6.09%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Loan Amount: $15,000+

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
First Northern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
230 W Monroe St, Chicago, IL, 60606
Pre-Owned Auto Loans (7 model years or newer)
6.09%
63 - 66 months
View
▼
APR6.09%
Term63 - 66 months
Last UpdatedOct 13, 2026
Details

As Low As; APR*

Rate History
No change since Oct 13, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 13, 2026: 6.09% APROct 13, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.10%
Up to 72 Months
View
▼
APR6.10%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.10% APR · checked 7 times
5.60%6.10%6.60%Sep 14, 2026: 6.10% APRSep 14, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
Up to 24 Months
View
▼
APR6.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
60 Months
View
▼
APR6.25%
Term60 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.25% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.25%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.25%
66 Months
View
▼
APR6.25%
Term66 Months
Last UpdatedOct 13, 2026
Details

Vehicle age: 1 to 3 years old

Rate History
No change since Sep 21, 2026 · 6.25% APR · checked 5 times
5.75%6.25%6.75%Sep 21, 2026: 6.25% APRSep 21, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 36 Months
6.25%
36 Months
View
▼
APR6.25%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 18, 2026: 5.49% APROct 13, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 20266.25%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 48 Months
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 18, 2026 · 5.49% → 6.25% ▲ 0.76 pts · high 6.25% / low 5.49%
4.73%5.87%7.01%Sep 18, 2026: 5.49% APROct 13, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
  • Oct 13, 20266.25%▲ from 5.49%
  • Sep 18, 20265.49%first recorded
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - 60-66 Months
6.25%
5 Years
View
▼
APR6.25%
Term5 Years
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (4 to 5 Years Old) - Up to 24 Months
6.25%
Up to 24 Months
View
▼
APR6.25%
TermUp to 24 Months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.25%
72 months
View
▼
APR6.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.25%
60 months
View
▼
APR6.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.25% APR · checked 4 times
5.75%6.25%6.75%Sep 18, 2026: 6.25% APRSep 18, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
605 N Michigan Ave, Chicago, IL, 60611
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto Loan
6.30%
Up to 60 Months
View
▼
APR6.30%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as; Used (2024 - 2023)

Rate History
No change since Oct 9, 2026 · 6.30% APR · checked 3 times
5.80%6.30%6.80%Oct 9, 2026: 6.30% APROct 9, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Tesla Used Vehicle Rate Loan
6.34%
60 months
View
▼
APR6.34%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.34% APR
5.84%6.34%6.84%Oct 10, 2026: 6.34% APROct 10, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

Credit Score: C 550-639; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
Chicagos Bravest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
10231 S Western Ave, Chicago, IL, 60643 1917
Used Vehicle Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Score: D 549-below; 80% Financing, 20% down required; Call us before you make a car deal

Rate History
No change since Sep 18, 2026 · 6.50% APR · checked 3 times
6.00%6.50%7.00%Sep 18, 2026: 6.50% APRSep 18, 2026Oct 13, 2026
American Broadcast Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
190 N State St, Chicago, IL, 60601
Used Vehicle Loans (1 to 3 Years Old)
6.51%
3 Years
View
▼
APR6.51%
Term3 Years
Last UpdatedOct 13, 2026
Details

Additional APR listed for this product: 7.01%. Vehicle age: 1 to 3 years old

Rate History
1 change since Sep 17, 2026 · 5.49% → 6.51% ▲ 1.02 pts · high 6.51% / low 5.49%
4.47%6.00%7.53%Sep 17, 2026: 5.49% APRSep 21, 2026: 6.51% APRSep 17, 2026Oct 13, 2026
  • Sep 21, 20266.51%▲ from 5.49%
  • Sep 17, 20265.49%first recorded
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto (2025-2026) Loan
6.55%
Up to 84 Months
View
▼
APR6.55%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 6.55% APR · checked 7 times
6.05%6.55%7.05%Sep 14, 2026: 6.55% APRSep 14, 2026Oct 13, 2026
Alliant Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.04%
11545 W Touhy Ave, Chicago, IL, 60666
Used Vehicle Rate Loan
6.59%
60 months
View
▼
APR6.59%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 6.59% APR
6.09%6.59%7.09%Oct 10, 2026: 6.59% APROct 10, 2026Oct 13, 2026
Vicinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4444 S Pulaski Rd, Chicago, IL, 60632 4011
Used Auto Loan
6.60%
Up to 60 Months
View
▼
APR6.60%
TermUp to 60 Months
Last UpdatedOct 9, 2026
Details

As low as; Used (2022 - older)

Rate History
No change since Oct 9, 2026 · 6.60% APR · checked 3 times
6.10%6.60%7.10%Oct 9, 2026: 6.60% APROct 9, 2026Oct 13, 2026
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedOct 9, 2026
Details

Credit Score: C 550-624

Rate History
1 change since Sep 14, 2026 · 7.25% → 6.75% ▼ 0.50 pts · high 7.25% / low 6.75%
6.25%7.00%7.75%Sep 14, 2026: 7.25% APRSep 18, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20266.75%▼ from 7.25%
  • Sep 14, 20267.25%first recorded
Chicago Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
6230 S Central Ave, Chicago, IL, 60638
Used Vehicle Loan
6.75%
72 months
View
▼
APR6.75%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: D below 550

Rate History
No change since Sep 18, 2026 · 6.75% APR · checked 4 times
6.25%6.75%7.25%Sep 18, 2026: 6.75% APRSep 18, 2026Oct 13, 2026

Chicago, IL Auto Loan Rate Trends

Compare local Chicago, IL auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Illinois Auto Trends
New Auto Loan IL Avg
5.069%
▲ 0.126 vs 7 days ago

Illinois new auto rates rose 0.126 points over the past 7 days to 5.069% APR.

Used Auto Loan IL Avg
5.766%
▲ 0.017 vs 7 days ago

Illinois used auto rates rose 0.017 points over the past 7 days to 5.766% APR.

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

Chicago, IL Auto Loan Rate Forecast, Next 12 Months

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

Current New Auto Avg
5.07%
APR, as of Oct 13, 2026
6-Month Forecast
5.15%
Fed hold assumed
12-Month Forecast
5.22%
Range: 4.87% to 5.42%
Forecast Methodology & Assumptions

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

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

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What Would Your Monthly Car Payment Be?

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

Loan Amount New Auto @ 5.07% APR
IL average		 Used Auto @ 5.77% APR
IL average		 Monthly Difference
$15,000 $283.54/mo $288.36/mo $4.82/mo
$25,000 $472.57/mo $480.60/mo $8.03/mo
$35,000 $661.60/mo $672.84/mo $11.25/mo
$45,000 $850.62/mo $865.08/mo $14.46/mo

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

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How to Get the Best Auto Loan Rate in Chicago, Illinois

1

Get Preapproved Before You Shop

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

2

Check Credit Unions First

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

3

Choose the Shortest Term You Can Afford

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

4

Mind the New vs. Used Rate Spread

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

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

Chicago, Illinois Financial Snapshot

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

$49,320
Median Individual Earnings
National avg: $47,340
8.0%
Unemployment Rate
National avg: 4.8%
16.8%
Poverty Rate
National avg: 11.1%
$567/mo
Payment on a $30K / 60-mo Loan
At IL new-auto avg 5.07% APR

A $567 monthly car payment works out to roughly 13.8% of the median individual income in Chicago, Illinois. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

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

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

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

Auto Loan Payment Calculator

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

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

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

Methodology & Data Sources

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

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Bad Credit Auto Loans in Chicago, Illinois

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

Avg. new car loan we track: 5.98% APR Avg. used car loan we track: 6.74% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

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

Get Preapproved Before the Dealer

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

Start With a Credit Union

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

Put More Money Down

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

Keep the Term Short

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

Add a Cosigner

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

Be Careful With Buy Here Pay Here

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

See Bad Credit Car Loans
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Frequently Asked Questions about Auto Loans in Chicago, 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 Chicago, 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 Chicago, Illinois typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

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

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

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

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

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

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

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

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

What is the average car loan rate for bad credit?

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

What are the best Auto Loan rates in Chicago, Illinois?

Based on our current data, some of the lowest auto loan rates available in Chicago, Illinois include:
  • Chicago Firefighters Credit Union: 3.00% (New Vehicle Loan)
  • South Side Community Federal Credit Union: 3.25% (New and Used Auto Loans)
  • American Airlines Federal Credit Union: 3.34% (New Auto)
  • Chicagos Bravest Credit Union: 3.50% (New Vehicle Loan)
  • Actors Federal Credit Union: 3.74% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Chicago, Illinois. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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