Indiana Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Indiana include United Federal Credit UnionUnited Federal Credit Union4840 N Main St, Mishawaka, IN, 46545A+5.0 ★Texas Ratio: 3.23% offering Auto Loan at 2.99%, Bloomington Municipal Credit UnionBloomington Municipal Credit Union1001 Chestnut Hills Pkwy Ste 1, Fort Wayne, IN, 46814 7900A+5.0 ★Texas Ratio: 0.09% offering Autos & Trucks 2025 & Newer at 3.29%, Central Soya Federal Credit UnionCentral Soya Federal Credit Union1200 N 2nd St, Decatur, IN, 46733 1160A+5.0 ★Texas Ratio: 0.08% offering New Vehicle Loans at 3.49%, Chicagos Bravest Credit UnionChicagos Bravest Credit Union9449 Priority Way West Dr, Indianapolis, IN, 46240A+5.0 ★Texas Ratio: 1.80% offering New Vehicle Loan at 3.50%, Baxter Credit UnionBaxter Credit Union927 S Curry Pike, Bloomington, IN, 47403 2624A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Indiana side-by-side. Indiana auto loan rates currently start as low as 2.99% APR from United Federal Credit Union at 4840 N Main St, Mishawaka, IN, 46545. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Indiana. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Indiana
Indiana Auto Loan Rates
with autopay from a United checking account.
As Low As;*
Special!
Special!
Special!
Special!
Credit Score: A 700-above
as low as; Loan Term
As Low As; $25.00 per loan fee. Interest must be paid monthly.
Credit Grade: A
As Low As;*
As low as
As low as
Term: 48 months - 84 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs.
APR*
Using 10,000 Loyalty Points APR as low as 3.49%
Using 10,000 Loyalty Points APR as low as 3.49%
As low as
Model Year: 2023-2027
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: A 700-above
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
as low as; Loan Term
As low as
As Low As;*
As low as
Loan-to-Value: 90%
Loan-to-Value: 90%
Using 10,000 Loyalty Points APR as low as 3.74%
Using 10,000 Loyalty Points APR as low as 3.74%
Rates as of 8/31/26. Restrictions: Rates based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. Increase rate by 0.50% without Loyalty Points. Used vehicles and motorcycles 10 model years or older will be priced at the personal loan rate with max 75%LTV. Loan rate not to exceed 18%APR. Floor of 3.49%APR.
As Low As; Model Year 2027-2022
As Low As; Model Year 2027-2022
Model Year: 2023-2027
As Low As
Credit Grade: A
Model Year: 2026-2021; Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
As low as
2027 - 2026 Autos
As Low As;*
As low as
Rates as low as:
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Model Year: 2022-2026
APR*
Using 10,000 Loyalty Points APR as low as 3.99%
Using 10,000 Loyalty Points APR as low as 3.99%
Rates as of 8/31/26. Specialty Vehicles included: RV's, Travel Trailers, 5th Wheels, Motor Homes, Boats, ATV's, UTV's, and other recreational merchandise. Rates based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. Increase rate by 0.50% without Loyalty Points. Used specialty vehicles 10 model years or older will be priced at the personal loan rate with max 75%LTV. Minimum amount financed requirements for terms over 60 months. Loan rate not to exceed 18%APR. Floor of 3.49%APR.
As Low As; Model Year 2027-2022
Model Year: 2023-2027
As low as
Loan-to-Value: 90%
Loan-to-Value: 90%
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
Credit Score: A 700-above
Credit Score: B 640-699
As Low As
As Low As
Credit Grade: B
As low as*
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
as low as; Loan Term
As Low As;*
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As Low As; Model Year 2027-2022
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2026-2025
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2026-2022
Based on borrowing $10,000 for 48 months. New Auto is consider current and next model year, and the prior 2 model years if vehicle under 30,000 miles.
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 2025 - 2024
Model Year: 2026-2021; Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
Model Year: 2026-2024
As Low As; Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Auto loan example: assume you will borrow $25,000 with $50 documentation preparation fee; the loan amount will be $25,050.
Loan-to-Value: 90%
Loan-to-Value: 90%
As low as
Loan Amount: 100% List
Term: 48 months - 60 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan.
Term: 48 months - 84 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU uses Kelly Blue Book (KBB) Values to determine value of used vehicles. WRFCU will finance up to 100% KBB Value on used vehicles.
APR is the Annual Percentage Rate. Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
As Low As
As Low As
Model Year: 2022-2026
APR*
As Low As
Year: 2025 - 2027
As Low As; 2023 and Newer Cars, Trucks, Vans & SUVs
Model Year: 2026 - 2021
Year: 2023-2027; As Low As
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As Low As; Model Year 2021-2019
Model Year: 2026-2023; Advertised rates subject to change without notice. Rates can change based upon credit qualifications. A Loan documentation fee of $50 will be charged at the time of the loan closing. Gap Insurance required if financing 120% of the value of collateral. Cost of GAP Insurance: $225.00 Application and Approval Required.
As low as
As Low As;*
Rates as low as:
Rates as low as:
Model Year: 2025 - 2022
Model Year: 2021 - 2019
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2021-2018
APR* as low as
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
Credit Score: D 549 - below
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
As Low As
APR As Low As*
As Low As*
Credit Grade: B
Model Year: 2023-2022
Credit Score: 700+; Tier Ratings: A; LTV vehicle guidelines: 110% including GAP
As Low As;*
APR As Low As*
As Low As*
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
as low as; Loan Term
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Year: 2025 - 2027
As low as
Loan-to-Value: 90%
Model Year: 2026-2024; Amount: Over $20,000
As Low As
Rate and term determined by credit history/score. As Low As; Rate qualifications are based on credit history, length of employment and debt ratio requirements.
Model Year: 2026 - 2021
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As Low As; $25.00 per loan fee. Interest must be paid monthly.
Tier: A
As Low As; Model Year 2021-2019
As Low As; Model Year 2021-2019
Rates were last updated on 5/07/26. Your rate may vary depending on your credit score.
As low as
As Low As
As Low As; Minimum Loan Amount is $15,000.00; Model Year: 2026-2025
As Low As; Other rates available may be higher based on risk-based lending policy. Other terms & conditions may apply. Rates are subject to change without notice. For loans which are approved, the rate is determined by the borrower's credit rating and may be as low as the rates above. We reserve the right to match any competitor's rates. Terms are calculated in months.
$20,000+; As Low As;*
As Low As
As Low As
Credit Grade: C
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 2024 - 2023
Credit Score: 700+; Tier Ratings: A; LTV vehicle guidelines: 110% including GAP
Model Year: 2018 & Older
Model Year: 2019-2021
As Low As
Year: 2023 - 2024
As Low As; ***; 2024- current model year
As Low As; 2021 and 2022 Cars, Trucks, Vans & SUVs
As Low As; 2023 and Newer Cars, Trucks, Vans & SUVs ($15,000 or more financed)
As Low As
As Low As; ***
APR As Low As*
As Low As*
As low as
Model Year: 2023-2022
Loan Amount: 100% List
As Low As
APR As Low As*
Indiana New Auto Auto Loan Rates
As Low As;*
Special!
Special!
Special!
Special!
Credit Score: A 700-above
as low as; Loan Term
As Low As; $25.00 per loan fee. Interest must be paid monthly.
As Low As;*
As low as
As low as
Term: 48 months - 84 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs.
Using 10,000 Loyalty Points APR as low as 3.49%
Using 10,000 Loyalty Points APR as low as 3.49%
As low as
Model Year: 2023-2027
Credit Score: A 700-above
Credit Score: B 640-699
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
as low as; Loan Term
As low as
Loan-to-Value: 90%
Loan-to-Value: 90%
Using 10,000 Loyalty Points APR as low as 3.74%
Using 10,000 Loyalty Points APR as low as 3.74%
Rates as of 8/31/26. Restrictions: Rates based on using 10,000 Member Loyalty Points. Member must have 10,000 Loyalty Points at the time of the transaction. Increase rate by 0.50% without Loyalty Points. Used vehicles and motorcycles 10 model years or older will be priced at the personal loan rate with max 75%LTV. Loan rate not to exceed 18%APR. Floor of 3.49%APR.
Model Year: 2023-2027
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
2027 - 2026 Autos
As low as
Rates as low as:
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Model Year: 2022-2026
Using 10,000 Loyalty Points APR as low as 3.99%
Using 10,000 Loyalty Points APR as low as 3.99%
Model Year: 2023-2027
As low as
Loan-to-Value: 90%
Loan-to-Value: 90%
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
As low as*
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2026-2025
Based on borrowing $10,000 for 48 months. New Auto is consider current and next model year, and the prior 2 model years if vehicle under 30,000 miles.
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
As Low As; Rates based on credit performance, age of vehicle, and terms of the loan. All loans subject to approval. Additional fees may apply. Auto loan example: assume you will borrow $25,000 with $50 documentation preparation fee; the loan amount will be $25,050.
Loan-to-Value: 90%
Loan-to-Value: 90%
As low as
Loan Amount: 100% List
APR is the Annual Percentage Rate. Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness.
Model Year: 2022-2026
As Low As; 2023 and Newer Cars, Trucks, Vans & SUVs
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As low as
As Low As;*
Rates as low as:
APR* as low as
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
Credit Score: D 549 - below
APR As Low As*
As Low As*
As Low As;*
APR As Low As*
As Low As*
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Loan-to-Value: 90%
As Low As
Rate and term determined by credit history/score. As Low As; Rate qualifications are based on credit history, length of employment and debt ratio requirements.
As Low As; Minimum Loan Amount is $15,000.00; Model Year: 2026-2025
$20,000+; As Low As;*
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
Loan Amount: 100% List
As Low As
As Low As; ***; 2024- current model year
As Low As; 2023 and Newer Cars, Trucks, Vans & SUVs ($15,000 or more financed)
As Low As; ***
APR As Low As*
As Low As*
As low as
Loan Amount: 100% List
As Low As
APR As Low As*
Indiana Used Auto Auto Loan Rates
Term: 48 months - 84 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU will finance up to 100% on new model year vehicles of the purchase price plus dealer costs.
Using 10,000 Loyalty Points APR as low as 3.49%
Using 10,000 Loyalty Points APR as low as 3.49%
Model Year: 2023-2027
Credit Score: A 700-above
Vehicle Model Years: All Years**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Using 10,000 Loyalty Points APR as low as 3.74%
Using 10,000 Loyalty Points APR as low as 3.74%
Model Year: 2023-2027
As Low As
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Using 10,000 Loyalty Points APR as low as 3.99%
Using 10,000 Loyalty Points APR as low as 3.99%
Model Year: 2023-2027
Credit Score: A 700-above
Credit Score: B 640-699
As Low As
As Low As
Vehicle Model Years: 2020 or Newer**; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
As Low As; Preferred Rate Program - Financial Partners FCU offers a preferred rate to any member who has an existing, active checking account, credit card or online banking. These members will receive a 0.25% reduction in rate on all loans (excluding credit cards and real estate) per service. Please contact a loan officer for more information.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2026-2022
Loan Amount: 2025 - 2024
Term: 48 months - 60 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan.
Term: 48 months - 84 months; Annual Percentage Rates (APR) shown are the lowest rates WRFCU offers. The rate you receive will be based on your personal credit profile, the loan type and the term of the loan. WRFCU uses Kelly Blue Book (KBB) Values to determine value of used vehicles. WRFCU will finance up to 100% KBB Value on used vehicles.
APR is the Annual Percentage Rate. Terms and conditions are subject to change without notice. Subject to credit approval. Rate may vary based on individual creditworthiness.
Rates listed are PFCU's prime rates. Individual rates may vary based on credit score. Rates listed below for Vehicle Loans, Other Secured Loans, Equipment Secured Loans, Signature/Personal Loans and Second Mortgages Loans reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Member Direct Deposit discounts exclude Share Secured Loans, Visa Cards, HELOCs and First Mortgage Products. These rates are as listed below. APR - Annual Percentage Rate Rates are current as of 11/01/2024 and are subject to change without notice. Loans are subject to credit approval and borrower qualifications. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
Model Year: 2026 - 2021
Rates as low as:
Model Year: 2025 - 2022
Model Year: 2021 - 2019
As Low As; Minimum Loan Amount is $1,000.00; Model Year: 2021-2018
Credit Score: A 700-above
Credit Score: B 640-699
Credit Score: C 550-639
As Low As
As Low As*
As Low As*
Vehicle Model Years: 2022 or Newer; Rates shown include a 0.50% rate discount below the base APR for 80% loan to value, and a 0.25% rate discount for automatic payment from a United checking account. Some conditions apply. A 0.25% premium will be added to model years 2021 -2017. A 0.75% premium will be added to model years 2016 and older.
Rate and term determined by credit history/score. As Low As; Rate qualifications are based on credit history, length of employment and debt ratio requirements.
Model Year: 2026 - 2021
As Low As; $15,000+ minimum loan amount for terms over 72 months, $25,000+ minimum loan amount for terms over 84 months
As low as
As Low As
As Low As
Loan Amount: 2024 - 2023
Model Year: 2018 & Older
Model Year: 2019-2021
As Low As; ***; 2024- current model year
As Low As
As Low As*
Indiana Auto Loan Rate Trends
Compare local Indiana 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.
Indiana new auto rates rose 0.024 points over the past 7 days to 5.794% APR.
Indiana used auto rates fell 0.232 points over the past 7 days to 6.655% APR.
Indiana 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 Indiana figures.
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.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Indiana 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 @ 5.79% APR IN average | Used Auto @ 6.66% APR IN average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.56/mo | $294.59/mo | $6.03/mo |
| $25,000 | $480.93/mo | $490.98/mo | $10.04/mo |
| $35,000 | $673.31/mo | $687.37/mo | $14.06/mo |
| $45,000 | $865.68/mo | $883.76/mo | $18.08/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.
How to Get the Best Auto Loan Rate in Indiana
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Indiana 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.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Indiana. 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.
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.
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.
- Saving up for a bigger down payment: park it in a Indiana high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Indiana CD rates lock in a guaranteed return until you’re ready to buy
Indiana Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $577 monthly car payment works out to roughly 16.0% of the median individual income in Indiana. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Indiana, 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 1–3 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 (0–2.9% 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 Indiana. We’ve prefilled the APR with today’s IN new-auto average, or click any current rate on the right to apply it instantly.
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 Indiana 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 Indiana 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 Indiana. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IN.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Indiana
How does my credit score affect my car loan rate in Indiana?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Indiana?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Indiana?
- United Federal Credit Union: 2.99% (Auto Loan)
- Bloomington Municipal Credit Union: 3.29% (Autos & Trucks 2025 & Newer)
- Central Soya Federal Credit Union: 3.49% (New Vehicle Loans)
- Chicagos Bravest Credit Union: 3.50% (New Vehicle Loan)
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
Auto Loan Rates by City in Indiana
