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Iowa Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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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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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 Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Iowa include Aim Credit UnionAim Credit Union1200 Associates Dr, Dubuque, IA, 52002 2282A+5.0 ★Texas Ratio: 3.24% offering New Titled and Untitled Vehicles 2026-2023 Loan at 3.74%, Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA8404 nw 62nd ave, Johnston, IA, 50131A+5.0 ★Texas Ratio: 2.92% offering 2025 & Newer Vehicle Loan at 3.92%, Capitol View Credit UnionCapitol View Credit Union623 E 12th St, Des Moines, IA, 50309A+5.0 ★Texas Ratio: 0.20% offering Auto Loan at 3.99%, Centris Federal Credit UnionCentris Federal Credit Union2825 Avenue G, Council Bluffs, IA, 51501A5.0 ★Texas Ratio: 10.55% offering Auto Loan at 3.99%, Advantage Credit Union Newtown, IAAdvantage Credit Union Newtown, IA121 W 3rd St N, Newton, IA, 50208 3040A5.0 ★Texas Ratio: 10.97% offering New Autos & Trucks at 4.00%. Auto loan rates as of September 21, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Iowa side-by-side. Iowa auto loan rates currently start as low as 3.74% APR from Aim Credit Union at 1200 Associates Dr, Dubuque, IA, 52002 2282. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Iowa. Auto Loan Rates Last Updated and Verified: September 21, 2026
Compare Auto Loan Rates Today in Iowa
Iowa Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
▼
APR3.74%
Term2 Years
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
3.92%
1 - 36 months
▼
APR3.92%
Term1 - 36 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Qualifications Required: Direct deposit of at least $1,000/mo. and setup automatic payments for their loan; As Low As; Rates may vary based on creditworthiness and other factors. Rates subject to change without notice. Not all borrowers will qualify. 3.99% rate is a loyalty rate, which is reserved for members who enroll in direct deposit of at least $1,000/mo. and setup automatic payments for their loan. Cannot be combined with other rate discounts.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
▼
APR3.99%
Term3 Years
Last UpdatedSep 18, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2022 - 2021 Vehicles)
3.99%
2 Years
▼
APR3.99%
Term2 Years
Last UpdatedSep 18, 2026
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
3.99%
63 months
▼
APR3.99%
Term63 months
Last UpdatedSep 20, 2026
Details
Loan must be secured by a 2022 or newer Auto and under 50,000 miles. To qualify for this rate, you must have an automatic payment from a checking account and $5,000 New Money.
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedSep 18, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36 months
▼
APR4.10%
Term0-36 months
Last UpdatedSep 18, 2026
Details
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.14%
Up to 60 Months
▼
APR4.14%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2024 to 2026
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.24%
Up to 36 Months
▼
APR4.24%
Interest Rate4.24%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 3.99%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 3.99%
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2022 - 2021 Vehicles)
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedSep 18, 2026
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
2825 Avenue G, Council Bluffs, IA, 51501
Auto Loan
4.24%
63 months
▼
APR4.24%
Term63 months
Last UpdatedSep 20, 2026
Details
Loan must be secured by a 2022 or newer Auto and under 100,000 miles. To qualify for this rate, you must have an automatic payment from a checking account, $5,000 New Money, and Auto under 100,000 miles. Inquire at Centris at (800) 334-2328 for Auto with over 100,000 miles.
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
▼
APR4.34%
Term4 Years
Last UpdatedSep 18, 2026
Details
Sioux Valley Community Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
1120 6th St, Sioux City, IA, 51101 1908
Vehicle Loan
4.35%
Up to 72 months
▼
APR4.35%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As low as; 2019 and Newer
Sioux Valley Community Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.38%
1120 6th St, Sioux City, IA, 51101 1908
Vehicle Loan
4.35%
Up to 48 months
▼
APR4.35%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
As low as; 2018 and Older
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 1-36 months Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedSep 18, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
▼
APR4.44%
Term5 Years
Last UpdatedSep 18, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2022 - 2021 Vehicles)
4.44%
4 Years
▼
APR4.44%
Term4 Years
Last UpdatedSep 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.44%
48 months
▼
APR4.44%
Term48 months
Last UpdatedSep 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.44%
36 months
▼
APR4.44%
Term36 months
Last UpdatedSep 18, 2026
Details
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
Interest Rate4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.24%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.24%
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2021 to 2023
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1831 25th St, West Des Moines, IA, 50266 1416
Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 18, 2026
Details
As Low As; qualifying auto loans
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
2025 Or Newer Auto Loan
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As low as
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
New & Used Vehicles Loan
4.49%
up to 7 years
▼
APR4.49%
Termup to 7 years
Last UpdatedSep 18, 2026
Details
As low as rate includes a loyalty discount. $100 at closing for purchased vehicles or loans refinanced from another lender. Applies to Motorcycles, campers, trailers & RVs too!
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 37-63 months Loan
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2024 - 2023 Auto Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2024 - 2023; Loyalty APR as low as*
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2024 Vehicle Loan
4.52%
1 - 60 months
▼
APR4.52%
Term1 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2024 Vehicle Loan
4.52%
61 - 66 months
▼
APR4.52%
Term61 - 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.52%
37 - 66 months
▼
APR4.52%
Term37 - 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2022 - 2021 Vehicles)
4.54%
5 Years
▼
APR4.54%
Term5 Years
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.54%
60 months
▼
APR4.54%
Term60 months
Last UpdatedSep 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.54%
48 months
▼
APR4.54%
Term48 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 64-69 months Loan
4.59%
69 Months
▼
APR4.59%
Term69 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 70-75 months Loan
4.59%
75 Months
▼
APR4.59%
Term75 Months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2024 Vehicle Loan
4.62%
67 - 72 months
▼
APR4.62%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.62%
67 - 72 months
▼
APR4.62%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; 2024 to 2026
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.64%
60 months
▼
APR4.64%
Term60 months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2024 Vehicle Loan
4.72%
73 - 78 months
▼
APR4.72%
Term73 - 78 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.72%
73 - 78 months
▼
APR4.72%
Term73 - 78 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.74%
Up to 60 Months
▼
APR4.74%
Interest Rate4.74%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.49%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.49%
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2024 to 2026
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
New Vehicles, Boats & Trailer over 16 Loan
4.74%
61 to 72 Month
▼
APR4.74%
Term61 to 72 Month
Last UpdatedSep 18, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Vehicle Loan
4.74%
UP TO 60 months
▼
APR4.74%
TermUP TO 60 months
Last UpdatedSep 18, 2026
Details
2026, 2025, 2024
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA, 50131 2945
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2023 - 2022 Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA, 52761
Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2023 - New; Membership is required: $5 minimum share deposit. Federally insured by NCUA. Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines.
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 84 months Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 18, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.79%
6 Years
▼
APR4.79%
Term6 Years
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.79%
Up to 48 Months
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low as:
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
▼
APR4.80%
Term37 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
▼
APR4.80%
Term50 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
▼
APR4.80%
Term66 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2023 Vehicle Loan
4.82%
1 - 60 months
▼
APR4.82%
Term1 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2023 Vehicle Loan
4.82%
61 - 66 months
▼
APR4.82%
Term61 - 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2024 Vehicle Loan
4.82%
79 - 84 months
▼
APR4.82%
Term79 - 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.82%
79 - 84 months
▼
APR4.82%
Term79 - 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
4.84%
1-48 months
▼
APR4.84%
Term1-48 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $15,000 borrowed: $344.35/month. Less than 45,000 miles.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2022 - 2021 Vehicles)
4.84%
6 Years
▼
APR4.84%
Term6 Years
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.84%
84 months
▼
APR4.84%
Term84 months
Last UpdatedSep 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.84%
72 months
▼
APR4.84%
Term72 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
4.84%
48 months
▼
APR4.84%
Interest Rate4.84%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63 months
▼
APR4.85%
Term37-63 months
Last UpdatedSep 18, 2026
Details
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2021 to 2023
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 18, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
4.90%
0 - 48 Months
▼
APR4.90%
Term0 - 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
4.90%
49 - 60 Months
▼
APR4.90%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
4.90%
0 - 48 Months
▼
APR4.90%
Term0 - 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
4.90%
49 - 60 Months
▼
APR4.90%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle Loan
4.90%
up to 72 months
▼
APR4.90%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Fixed Rates APR effective 10/1/2025
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2023 Vehicle Loan
4.92%
67 - 72 months
▼
APR4.92%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.94%
Up to 78 Months
▼
APR4.94%
TermUp to 78 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2024 to 2026
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 18, 2026
Details
As Low As; MINIMUM LOAN AMOUNT $ 25,000.00
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
4.94%
60 months
▼
APR4.94%
Interest Rate4.94%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
4.94%
48 months
▼
APR4.94%
Interest Rate4.94%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 36 months
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 48 months
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 60 months
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.99%
Up to 72 Months
▼
APR4.99%
Interest Rate4.99%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.74%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.74%
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $30,001 or more & mileage under 25,000 miles
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
Seasonal Vehicles Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Model Years 2024-2026
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; 2021 to 2023
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
New Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Rate includes Loyalty Discount of 0.50%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit. Cannot be combined with any other auto loan discount or offer. Discount eligible on purchase or external refinances only.
Peoples Credit Union Webster City, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.63%
310 1st ST, Webster City, IA, 50595 2337
Auto Loan
4.99%
Up to 36 months
▼
APR4.99%
Interest Rate4.99%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As Low As; Year: 2024 - 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $20,000 borrowed: $377.33/month. Less than 45,000 miles.
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
2024-2022 Auto Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
As low as
North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA, 51501 3922
New Auto Loan
4.99%
36-42 months
▼
APR4.99%
Term36-42 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-21
North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA, 51501 3922
New Auto Loan
4.99%
48-54 months
▼
APR4.99%
Term48-54 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-21
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
Vehicle Loan (2020 - 2019 Vehicles)
4.99%
2 Years
▼
APR4.99%
Term2 Years
Last UpdatedSep 18, 2026
Details
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3535 CENTER POINT RD NE, CEDAR RAPIDS, IA, 52402
Vehicle Loan
4.99%
UP TO 72 months
▼
APR4.99%
TermUP TO 72 months
Last UpdatedSep 18, 2026
Details
2026, 2025, 2024
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Rate quoted is for a minimum of $5,000.00 of new money. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle Loan
4.99%
0 - 60 Months
▼
APR4.99%
Term0 - 60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Iowa State Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
401 W Adams St, Creston, IA, 50801
Auto Loans
4.99%
up to 60 months
▼
APR4.99%
Termup to 60 months
Last UpdatedSep 19, 2026
Details
Model Year: 2021 or newer
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
As low as; fixed
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Vehicle Year: New 2026 & New/Used 2025
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2023 - 2022 Auto Loan
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2024 - 2023 Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2024 - 2023; APR as low as*
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2022 - 2021; Loyalty Rate
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
Interest Rate4.99%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.00%
61 - 72 Months
▼
APR5.00%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.00%
61 - 72 Months
▼
APR5.00%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
159 Colorado St, Muscatine, IA, 52761
Auto Loan
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2023 - New; Membership is required: $5 minimum share deposit. Federally insured by NCUA. Rates current as of 7/16/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines.
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Burlington Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
418 Valley St, Burlington, IA, 52601 5536
New Automobiles
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2023 Vehicle Loan
5.02%
73 - 78 months
▼
APR5.02%
Term73 - 78 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.04%
66 months
▼
APR5.04%
Interest Rate5.04%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.04%
72 months
▼
APR5.04%
Interest Rate5.04%
Term72 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2022 Model Year
5.04%
48 months
▼
APR5.04%
Interest Rate5.04%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
5.04%
60 months
▼
APR5.04%
Interest Rate5.04%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75 months
▼
APR5.05%
Term64-75 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
5.09%
60 months
▼
APR5.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
5.09%
Up to 78 Months
▼
APR5.09%
TermUp to 78 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2021 to 2023
North Iowa Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.62%
640 S FEDERAL AVE, MASON CITY, IA, 50401
New/Program Vehicles Loan
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.09%
1 - 48 months
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
▼
APR5.09%
Term37 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.10%
72 months
▼
APR5.10%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2023 Vehicle Loan
5.12%
79 - 84 months
▼
APR5.12%
Term79 - 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Loyalty APR as low as; 2024 to 2026
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
5.14%
61-72 months
▼
APR5.14%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $25,000 borrowed: $404.25/month. Less than 45,000 miles.
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.14%
36 months
▼
APR5.14%
Term36 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.14%
84 months
▼
APR5.14%
Interest Rate5.14%
Term84 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2021 Model Year
5.14%
48 months
▼
APR5.14%
Interest Rate5.14%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2022 Model Year
5.14%
60 months
▼
APR5.14%
Interest Rate5.14%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
5.14%
66 months
▼
APR5.14%
Interest Rate5.14%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.15%
73 - 84 Months
▼
APR5.15%
Term73 - 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.15%
73 - 84 Months
▼
APR5.15%
Term73 - 84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.15%
72 months
▼
APR5.15%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle Loan
5.15%
up to 84 months
▼
APR5.15%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Fixed Rates APR effective 10/1/2025
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2022 Vehicle Loan
5.17%
1 - 60 months
▼
APR5.17%
Term1 - 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2022 Vehicle Loan
5.17%
61 - 66 months
▼
APR5.17%
Term61 - 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.19%
49-63 months
▼
APR5.19%
Term49-63 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021-2023; As Low As**
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail (RTL)
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedSep 18, 2026
Details
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
115 8th Ave SW, Cedar Rapids, IA, 52404
Auto Loan
5.19%
61-72 months
▼
APR5.19%
Interest Rate5.19%
Term61-72 months
Last UpdatedSep 21, 2026
Details
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.20%
0 - 48 Months
▼
APR5.20%
Term0 - 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
River Valley Credit Union Ames, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
2811 E 13th St, Ames, IA, 50010
Vehicle Loan
5.20%
49 - 60 Months
▼
APR5.20%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2023 & 2022
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2023 & 2022
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2023 & 2022
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2023 & 2022
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2023 & 2022
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2023 & 2022
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.24%
Up to 48 Months
▼
APR5.24%
Interest Rate5.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.99%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.99%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.24%
Up to 84 Months
▼
APR5.24%
Interest Rate5.24%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.99%
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.24%
Up to 84 Months
▼
APR5.24%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
Loyalty Rate: 4.99%
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks - Model Years 2020-2022
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As low as
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
Auto Loan
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; 2024 to 2026
Powered by
MonitorBankRates
Iowa New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
▼
APR3.74%
Term2 Years
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
3.92%
1 - 36 months
▼
APR3.92%
Term1 - 36 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
▼
APR3.99%
Term3 Years
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.04%
36 months
▼
APR4.04%
Term36 months
Last UpdatedSep 18, 2026
Details
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.10%
0-36 months
▼
APR4.10%
Term0-36 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
▼
APR4.34%
Term4 Years
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 1-36 months Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedSep 18, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
▼
APR4.44%
Term5 Years
Last UpdatedSep 18, 2026
Details
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.44%
48 months
▼
APR4.44%
Term48 months
Last UpdatedSep 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
2025 Or Newer Auto Loan
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
As low as
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
New & Used Vehicles Loan
4.49%
up to 7 years
▼
APR4.49%
Termup to 7 years
Last UpdatedSep 18, 2026
Details
As low as rate includes a loyalty discount. $100 at closing for purchased vehicles or loans refinanced from another lender. Applies to Motorcycles, campers, trailers & RVs too!
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 37-63 months Loan
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.52%
37 - 66 months
▼
APR4.52%
Term37 - 66 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.54%
60 months
▼
APR4.54%
Term60 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 64-69 months Loan
4.59%
69 Months
▼
APR4.59%
Term69 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 70-75 months Loan
4.59%
75 Months
▼
APR4.59%
Term75 Months
Last UpdatedSep 18, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.62%
67 - 72 months
▼
APR4.62%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.72%
73 - 78 months
▼
APR4.72%
Term73 - 78 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
New Vehicles, Boats & Trailer over 16 Loan
4.74%
61 to 72 Month
▼
APR4.74%
Term61 to 72 Month
Last UpdatedSep 18, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 18, 2026
Details
Empeople Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
6400 NW 86th St, Johnston, IA, 50131 2945
60 Month New Auto Loans
4.74%
60 months
▼
APR4.74%
Term60 months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
407 2nd Ave S, Fort Dodge, IA, 50501
New Vehicles Loan
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 84 months Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 18, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1200 Associates Dr, Dubuque, IA, 52002 2282
New Titled and Untitled Vehicles 2026-2023 Loan
4.79%
6 Years
▼
APR4.79%
Term6 Years
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.79%
Up to 48 Months
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
▼
APR4.80%
Term37 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
▼
APR4.80%
Term50 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
▼
APR4.80%
Term66 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
8404 nw 62nd ave, Johnston, IA, 50131
2025 & Newer Vehicle Loan
4.82%
79 - 84 months
▼
APR4.82%
Term79 - 84 months
Last UpdatedSep 18, 2026
Details
As Low As; Vehicle rates shown above reflect a discount of .75% discount for setting up a direct deposit of at least 50% of gross monthly wages into a Community Choice checking account and an automatic monthly payment coming from a Community Choice checking account.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
4.84%
1-48 months
▼
APR4.84%
Term1-48 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $15,000 borrowed: $344.35/month. Less than 45,000 miles.
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer Loan
4.84%
84 months
▼
APR4.84%
Term84 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
4.84%
48 months
▼
APR4.84%
Interest Rate4.84%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
4.85%
37-63 months
▼
APR4.85%
Term37-63 months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle Loan
4.90%
up to 72 months
▼
APR4.90%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
Fixed Rates APR effective 10/1/2025
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 18, 2026
Details
As Low As; MINIMUM LOAN AMOUNT $ 25,000.00
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
4.94%
60 months
▼
APR4.94%
Interest Rate4.94%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 36 months
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 48 months
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 60 months
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $30,001 or more & mileage under 25,000 miles
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
1005 Blairs Ferry Rd NE, Cedar Rapids, IA, 52402 1292
New Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Rate includes Loyalty Discount of 0.50%. To qualify for the Loyalty Discount, member must setup automatic loan payments from their Collins Community CU Checking account. Checking account must have at least 5 transactions including a direct deposit. Cannot be combined with any other auto loan discount or offer. Discount eligible on purchase or external refinances only.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
4.99%
49-60 months
▼
APR4.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $20,000 borrowed: $377.33/month. Less than 45,000 miles.
North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA, 51501 3922
New Auto Loan
4.99%
36-42 months
▼
APR4.99%
Term36-42 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-21
North Western Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1411 W Broadway, Council Bluffs, IA, 51501 3922
New Auto Loan
4.99%
48-54 months
▼
APR4.99%
Term48-54 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-21
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle 2025 - Newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Rate quoted is for a minimum of $5,000.00 of new money. An additional 1% will be added to the interest rate of any loans not paid through automatic electronic payment.
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
3124 4th St SW, Mason City, IA, 50401 1522
New Vehicle Loan
4.99%
0 - 60 Months
▼
APR4.99%
Term0 - 60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.76%
13300 Hickman Rd, Clive, IA, 50325 8616
New Vehicle Loans
4.99%
60 Months
▼
APR4.99%
Interest Rate4.99%
Term60 Months
Last UpdatedSep 20, 2026
Details
As low as; fixed
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Vehicle Year: New 2026 & New/Used 2025
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Burlington Municipal Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
418 Valley St, Burlington, IA, 52601 5536
New Automobiles
5.00%
up to 84 months
▼
APR5.00%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.04%
66 months
▼
APR5.04%
Interest Rate5.04%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.04%
72 months
▼
APR5.04%
Interest Rate5.04%
Term72 months
Last UpdatedSep 18, 2026
Details
As low as
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
2891 106TH ST, URBANDALE, IA, 50322 3772
New Auto (2025-Newer)
5.05%
64-75 months
▼
APR5.05%
Term64-75 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
New Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
5.09%
60 months
▼
APR5.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
North Iowa Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.62%
640 S FEDERAL AVE, MASON CITY, IA, 50401
New/Program Vehicles Loan
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.09%
1 - 48 months
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
▼
APR5.09%
Term37 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.10%
72 months
▼
APR5.10%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
801 Lincoln Way, Ames, IA, 50010
2024 and Newer Autos and Motorcycles
5.14%
61-72 months
▼
APR5.14%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As; Example payment for $25,000 borrowed: $404.25/month. Less than 45,000 miles.
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
New Vehicle Loans 2024 & newer
5.14%
84 months
▼
APR5.14%
Interest Rate5.14%
Term84 months
Last UpdatedSep 18, 2026
Details
As low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.15%
72 months
▼
APR5.15%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1513 S 18th St, Centerville, IA, 52544
New Vehicle Loan
5.15%
up to 84 months
▼
APR5.15%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Fixed Rates APR effective 10/1/2025
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.19%
49-63 months
▼
APR5.19%
Term49-63 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & Newer; As Low As**
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail (RTL)
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES - 2024 & newer
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2024 & newer
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks - Model Years 2020-2022
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As low as
Powered by
MonitorBankRates
Iowa Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 1-36 months Loan
4.39%
36 Months
▼
APR4.39%
Term36 Months
Last UpdatedSep 18, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.44%
36 months
▼
APR4.44%
Term36 months
Last UpdatedSep 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
New & Used Vehicles Loan
4.49%
up to 7 years
▼
APR4.49%
Termup to 7 years
Last UpdatedSep 18, 2026
Details
As low as rate includes a loyalty discount. $100 at closing for purchased vehicles or loans refinanced from another lender. Applies to Motorcycles, campers, trailers & RVs too!
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 37-63 months Loan
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: New 2026 & New/Used 2025
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2024 - 2023 Auto Loan
4.49%
up to 48 months
▼
APR4.49%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2024 - 2023; Loyalty APR as low as*
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.54%
48 months
▼
APR4.54%
Term48 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 64-69 months Loan
4.59%
69 Months
▼
APR4.59%
Term69 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 70-75 months Loan
4.59%
75 Months
▼
APR4.59%
Term75 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.64%
60 months
▼
APR4.64%
Term60 months
Last UpdatedSep 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $18,001 or more
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2023 - 2022 Auto Loan
4.74%
49-60 months
▼
APR4.74%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 48 months
▼
APR4.74%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.74%
up to 60 months
▼
APR4.74%
Termup to 60 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle (2026-2023) - 84 months Loan
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.79%
Up to 48 Months
▼
APR4.79%
TermUp to 48 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 18, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low as:
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
37 Months
▼
APR4.80%
Term37 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
50 Months
▼
APR4.80%
Term50 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
66 Months
▼
APR4.80%
Term66 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedSep 18, 2026
Details
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2024 & Newer Loan
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.80%
60 months
▼
APR4.80%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate; 100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.84%
72 months
▼
APR4.84%
Term72 months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.89%
60 Months
▼
APR4.89%
Term60 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
1004 E Main St, Marshalltown, IA, 50158 2136
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.94%
61 to 72 MONTHS
▼
APR4.94%
Term61 to 72 MONTHS
Last UpdatedSep 18, 2026
Details
As Low As; MINIMUM LOAN AMOUNT $ 25,000.00
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedSep 18, 2026
Details
Relationship Rate
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024 Loan
4.94%
84 months
▼
APR4.94%
Term84 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
4.94%
48 months
▼
APR4.94%
Interest Rate4.94%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 24 months
▼
APR4.95%
TermUp to 24 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 36 months
▼
APR4.95%
TermUp to 36 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 48 months
▼
APR4.95%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.59%
115 S 29th St, Fort Dodge, IA, 50501
New & Used Vehicle Loans
4.95%
Up to 60 months
▼
APR4.95%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As low as; APR*
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks
4.99%
73-84 Months
▼
APR4.99%
Term73-84 Months
Last UpdatedSep 18, 2026
Details
As Low As; Loan must be $30,001 or more & mileage under 25,000 miles
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New 2026 & New/Used 2025 Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
As Low As*; Vehicle Year: New 2026 & New/Used 2025
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
New or Used 2025-2024 Auto Loan
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details
As Low As*; Loyalty APR; Vehicle Year: 2025 - 2024
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2023 - 2022 Auto Loan
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2023 - 2022; Loyalty APR as low as*
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used 2024 - 2023 Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2024 - 2023; APR as low as*
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1141 N Broadway, Council Bluffs, IA, 51503 1513
Used Auto Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedSep 21, 2026
Details
Vehicle Year: 2022 - 2021; Loyalty Rate
The Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1400 Rockingham Rd, Davenport, IA, 52802
New & Used Vehicles, Trucks, Motorcycles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedSep 21, 2026
Details
New & Used Vehicles, Trucks, Motorcycles; 2023 - 2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1206 N Jefferson St, Ottumwa, IA, 52501 2020
New or Used Vehicle Loan
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2022 Model Year
5.04%
48 months
▼
APR5.04%
Interest Rate5.04%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
5.04%
60 months
▼
APR5.04%
Interest Rate5.04%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
121 W 3rd St N, Newton, IA, 50208 3040
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low as:
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.09%
1 - 48 months
▼
APR5.09%
Term1 - 48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
DuTrac Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.47%
3465 ASBURY RD, DUBUQUE, IA, 52002
New or Used Cars & Trucks - 2023 - 2022 Loan
5.09%
37 Months
▼
APR5.09%
Term37 Months
Last UpdatedSep 18, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans - 2024 or Newer
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.10%
72 months
▼
APR5.10%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020 Loan
5.14%
36 months
▼
APR5.14%
Term36 months
Last UpdatedSep 18, 2026
Details
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2021 Model Year
5.14%
48 months
▼
APR5.14%
Interest Rate5.14%
Term48 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2022 Model Year
5.14%
60 months
▼
APR5.14%
Interest Rate5.14%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as
Cedar Falls Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
123 W 4th St, Cedar Falls, IA, 50613 2831
Used Vehicles 2023 Model Year
5.14%
66 months
▼
APR5.14%
Interest Rate5.14%
Term66 months
Last UpdatedSep 18, 2026
Details
As low as
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.15%
72 months
▼
APR5.15%
Term72 months
Last UpdatedSep 18, 2026
Details
Relationship Rate: Member must have three of the following: GAP Coverage, Warranty, Debt Protection, E-Statements, Mastercard, Active Share Draft Account, Direct Deposit or Automatic Payments. Member will lose discount if cancel or terminate any qualifications.
Des Moines Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
100 University Ave, Des Moines, IA, 50314 3121
New & Used Vehicle Loan
5.19%
49-63 months
▼
APR5.19%
Term49-63 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026 - 2023
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2021-2023; As Low As**
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
802 W 29th St, Cedar Falls, IA, 50613 5022
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedSep 18, 2026
Details
100% of NADA Retail (RTL)
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023 Loan
5.19%
72 months
▼
APR5.19%
Term72 months
Last UpdatedSep 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
104 W Anson St, Marshalltown, IA, 50158
New & Used Autos/Trucks - Model Years 2020-2022
5.24%
49 - 60 Months
▼
APR5.24%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
As low as
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MonitorBankRates
Iowa Auto Loan Rate Trends
Compare local Iowa auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan IA Avg
5.342%
▲ 0.057 vs 7 days ago
Iowa new auto rates rose 0.057 points over the past 7 days to 5.342% APR.
Used Auto Loan IA Avg
6.021%
▲ 0.154 vs 7 days ago
Iowa used auto rates rose 0.154 points over the past 7 days to 6.021% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Iowa 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 Iowa figures.
Current New Auto Avg
5.34%
APR, as of Sep 22, 2026
6-Month Forecast
5.42%
Fed hold assumed
12-Month Forecast
5.49%
Range: 5.14% to 5.69%
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 Iowa 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 @ 5.34% APR IA average | Used Auto @ 6.02% APR IA average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.42/mo | $290.14/mo | $4.72/mo |
| $25,000 | $475.70/mo | $483.57/mo | $7.86/mo |
| $35,000 | $665.99/mo | $676.99/mo | $11.01/mo |
| $45,000 | $856.27/mo | $870.42/mo | $14.15/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 Iowa
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Iowa 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 Iowa. 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?
- Saving up for a bigger down payment: park it in a Iowa 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: Iowa CD rates lock in a guaranteed return until you’re ready to buy
Iowa Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$44,180
Median Individual Earnings
National avg: $47,340
3.6%
Unemployment Rate
National avg: 4.8%
11.1%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At IA new-auto avg 5.34% APR
A $571 monthly car payment works out to roughly 15.5% of the median individual income in Iowa. 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 Iowa, 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 Iowa. We’ve prefilled the APR with today’s IA new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Iowa 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 Iowa 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 Iowa. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IA.
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 Iowa
How does my credit score affect my car loan rate in Iowa?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Iowa 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 Iowa *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 Iowa 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 Iowa?
Yes. A preapproval from a bank or credit union serving Iowa 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 Iowa 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.
What are the best Auto Loan rates in Iowa?
Based on our current data, some of the lowest auto loan rates available in Iowa include:
- Aim Credit Union: 3.74% (New Titled and Untitled Vehicles 2026-2023 Loan)
- Community Choice Credit Union Johnston, IA: 3.92% (2025 & Newer Vehicle Loan)
- Capitol View Credit Union: 3.99% (Auto Loan)
- Centris Federal Credit Union: 3.99% (Auto Loan)
- Advantage Credit Union Newtown, IA: 4.00% (New Autos & Trucks)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 21, 2026
Auto Loan Rates by City in Iowa
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