Auto Loan Rates in Ladoga, Indiana (IN) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Ladoga, Indiana include United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 3.13% offering Auto Loan at 2.99%, Central Soya Federal Credit UnionCentral Soya Federal Credit UnionA+5.0 ★Texas Ratio: 0.08% offering Auto Loan at 3.49%, Bloomington Municipal Credit UnionBloomington Municipal Credit UnionA+5.0 ★Texas Ratio: 0.12% offering Autos & Trucks 2025 & Newer at 3.59%, Clifty Creek Employees Federal Credit UnionClifty Creek Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.30% offering 2023 - Newer Vehicle Loan at 3.75%, Regional Federal Credit UnionRegional Federal Credit UnionA+5.0 ★Texas Ratio: 4.25% offering New and Used Auto Loans at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Ladoga borrowers have access to 31 lenders serving the Indiana area, with auto loan rates as low as 2.99% APR from United Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Ladoga, Indiana. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Ladoga, Indiana & Surrounding Area
Ladoga Auto Loan Rates
Limited-time offer. Save on a new or refinanced vehicle this summer with rates starting as low as 2.99% APR for 36 months with autopay from a United checking account.
As Low As; 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.
2022 or Newer vehicle
Special!
As Low As; *
As Low As
Model Year: 2023-2027; As Low As
As Low As; *
As Low As; 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.
As Low As; *
As Low As; Special
Model Year: 2023-2027; As Low As
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; *
As Low As; 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.
As Low As
As Low As
Model Year: 2023-2027; As Low As
As Low As
As Low As; *
As Low As; *
As Low As; Newer (2023-2026)
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00
As Low As; Minimum Loan Amount is $1,000.00
As Low As
As Low As; 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.
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.
As Low As; up to 36 Months
As Low As; New Auto 2025 + Newer Only
As Low As
As Low As
As Low As; Newer (2023-2026)
As Low As
As Low As
As Low As
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00
As Low As
As Low As*
As Low As*
As Low As
As Low As
As Low As; *
As Low As*
As Low As*
Over $20,000
As Low As; Model Year: New Auto 2025 + Newer
As Low As; Used (2019 - 2022)
As Low As; Estimated payment per $1000: $17.48
As Low As
As Low As; Minimum Loan Amount is $15,000.00
As Low As
As Low As
As Low As; *
As Low As*
As Low As*
As Low As*
As Low As*
Model Year: 2025-2027 (new only); As Low As
As Low As; 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.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
Over $20,000
As Low As; Model Year: New Auto 2025 + Newer
Model Year: 2026
As Low As; Used (2019 - 2022)
As Low As
Rates as Low as; *
As Low As; *
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $15,000.00
As Low As
As Low As
Model Year: 2026
Model Year: 2021-2022; As Low As
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As
As Low As; Loan Amounts over $20k only
As Low As; Newer (2023-2026)
As Low As; Minimum Loan Amount is $20,000.00
2020 & Newer
As Low As
As Low As
Model Year: 2021-2022; As Low As
APR* as low as
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As; Loan Amounts over $60k only
Model Year: 2026
As Low As
As Low As
As Low As
Rates as Low as; *
As Low As; *
$15
As Low As; Minimum Loan Amount is $25,000.00
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.
Over $25,000
As Low As*
As Low As; Estimated payment per $1000: $16.05
As Low As*
Model Year: 2017-2020; As Low As
As Low As; Rate accurate as of July 6, 2026
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Rate accurate as of July 6, 2026
2019 & Older
As Low As; Rate accurate as of July 6, 2026
As Low As*
As Low As; Rate accurate as of July 6, 2026
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Rate accurate as of July 6, 2026
As Low As*
As Low As; Rate accurate as of July 6, 2026
Model Year: 2026
As Low As; Used (2019 - 2022)
As Low As
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $20,000.00
As Low As
Model Year: 2022
2020 & Newer
As Low As; Rate accurate as of July 6, 2026
$25
As Low As; Rate accurate as of July 6, 2026
As Low As
As Low As; Loan Amounts over $20k only
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 as Low as; *
As Low As; *
As Low As*
As Low As; *
As Low As*
As Low As; Estimated payment per $1000: $15.02
As Low As; Rate accurate as of July 6, 2026
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As; Rate accurate as of July 6, 2026
Model Year: 2019 & Older
As Low As; Newer (2023-2026)
As Low As
As Low As
As Low As; Minimum Loan Amount is $25,000.00
APR* as low as
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
As Low As
Model Year: 2022
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: 2019 & Older
As Low As; *
2019 & 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.
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; Used (2019 - 2022)
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.
New Vehicle Rate
Ladoga New Auto Auto Loan Rates
As Low As; 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.
Special!
As Low As; *
As Low As
Model Year: 2023-2027; As Low As
As Low As; *
As Low As; 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.
Model Year: 2023-2027; As Low As
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; 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.
As Low As
As Low As
Model Year: 2023-2027; As Low As
As Low As
As Low As; *
As Low As; Newer (2023-2026)
As Low As;*
As Low As; Minimum Loan Amount is $1,000.00
As Low As
As Low As; 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.
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.
As Low As; New Auto 2025 + Newer Only
As Low As; Newer (2023-2026)
As Low As
As Low As
As Low As;*
As Low As
As Low As*
As Low As*
As Low As
As Low As*
As Low As*
As Low As; Model Year: New Auto 2025 + Newer
As Low As; Minimum Loan Amount is $15,000.00
As Low As
As Low As; *
As Low As*
As Low As*
As Low As*
As Low As*
Model Year: 2025-2027 (new only); As Low As
As Low As; 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.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As; Model Year: New Auto 2025 + Newer
As Low As
Rates as Low as; *
As Low As; *
As Low As; *
As Low As
Model Year: 2021-2022; As Low As
As Low As; Newer (2023-2026)
As Low As; Minimum Loan Amount is $20,000.00
As Low As
Model Year: 2021-2022; As Low As
As Low As
As Low As
Rates as Low as; *
As Low As; *
As Low As; Minimum Loan Amount is $25,000.00
Model Year: 2017-2020; As Low As
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As
As Low As; *
As Low As; *
Rates as Low as; *
As Low As; *
As Low As*
As Low As; Newer (2023-2026)
As Low As
As Low As; *
As Low As;*
Ladoga Used Auto Auto Loan Rates
As Low As; 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.
Model Year: 2023-2027; As Low As
As Low As; 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.
Model Year: 2023-2027; 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; 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.
Model Year: 2023-2027; As Low As
As Low As; Minimum Loan Amount is $1,000.00
As Low As; 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.
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.
As Low As
As Low As; Minimum Loan Amount is $1,000.00
As Low As*
As Low As
As Low As; *
As Low As*
As Low As; Used (2019 - 2022)
As Low As; Estimated payment per $1000: $17.48
As Low As*
As Low As*
Model Year: 2025-2027 (new only); As Low As
As Low As; 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.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As; Used (2019 - 2022)
Rates as Low as; *
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $15,000.00
As Low As
Model Year: 2021-2022; As Low As
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As
Model Year: 2021-2022; As Low As
APR* as low as
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As
Rates as Low as; *
As Low As; *
$15
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*
As Low As; Estimated payment per $1000: $16.05
As Low As*
Model Year: 2017-2020; As Low As
As Low As; Rate accurate as of July 6, 2026
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Rate accurate as of July 6, 2026
As Low As; Rate accurate as of July 6, 2026
As Low As*
As Low As; Rate accurate as of July 6, 2026
As Low As; Offer valid on applications now through August 31 when funded on or before August 31. Purchase and refinanced personal auto loans only with a maximum term of 72 months. Vehicles must be 2019 model year or newer. Not valid on motorcycle or RV loans. Minimum 670 credit score (TransUnion FICO Classic 08 model). All borrowers must be currently employed or receiving regular, monthly, verifiable income.
As Low As; Rate accurate as of July 6, 2026
As Low As*
As Low As; Rate accurate as of July 6, 2026
As Low As; Used (2019 - 2022)
As Low As; *
As Low As; *
As Low As; Minimum Loan Amount is $20,000.00
As Low As
As Low As; Rate accurate as of July 6, 2026
$25
As Low As; Rate accurate as of July 6, 2026
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 as Low as; *
As Low As; *
As Low As*
As Low As; Estimated payment per $1000: $15.02
As Low As; Rate accurate as of July 6, 2026
Rates listed reflect the 1 point reduction in the APR given to members with Direct Deposit into a PFCU Premier Checking account. Individual rates may vary based on credit score.
As Low As; Rate accurate as of July 6, 2026
As Low As
As Low As; Minimum Loan Amount is $25,000.00
APR* as low as
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
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; *
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; Used (2019 - 2022)
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.
Ladoga, IN Auto Loan Rate Trends
Compare local Ladoga, IN 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 0.674 points over the past 7 days to 5.836% APR.
Indiana used auto loan rates currently average 6.755% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ladoga, 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 Ladoga, 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 Ladoga, 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 Ladoga, 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?
What are the best Auto Loan rates in Ladoga, Indiana?
- United Federal Credit Union: 2.99% (Auto Loan)
- Central Soya Federal Credit Union: 3.49% (Auto Loan)
- Bloomington Municipal Credit Union: 3.59% (Autos & Trucks 2025 & Newer)
- Clifty Creek Employees Federal Credit Union: 3.75% (2023 - Newer Vehicle Loan)
- Regional Federal Credit Union: 3.99% (New and Used Auto Loans)
