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Best for: Illinois-area members with a newer vehicle and strong credit

CEFCU

CEFCU — standard vehicle rates from 4.99% with no application or prepayment fees.

Min credit
Not disclosed
APR
From 4.99%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means CEFCU does not publish this on their public site. "No restriction" means CEFCU explicitly states no limit.

Overview

CEFCU (Citizens Equity First Credit Union), based in Peoria, Illinois, publishes standard vehicle loan rates by model year: 4.99% for 2024 and newer on a 66-month term, rising to 9.04% for 2018 and older on a 36-month term.…

What’s great

  • Standard rates from 4.99% for 2024-and-newer vehicles
  • No application or prepayment fees
  • Rates published by model year

What to know

  • Lowest rates are for well-qualified borrowers
  • Older vehicles get shorter standard terms
  • Minimum credit score is not published

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 4.99% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthNot disclosed
States servedNot disclosed
Membership requirementCEFCU membership required

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from CEFCU's own published materials. Rates, eligibility, and terms can change — verify directly with CEFCU before applying.

  1. [1]CEFCU Vehicle Loan Rates and Disclaimers — standard rates from 4.99% (2024 and newer, up to 100% LTV, 66 months) to 9.04% (2018 and older, 36 months); in-house refinances excluded — CEFCU
    https://www.cefcu.com/personal/borrow/vehicle-loans/rates-and-disclaimers.html
    Last checked: October 2026
  2. [2]CEFCU Vehicle Loans Center — no application or prepayment fees — CEFCU
    https://www.cefcu.com/personal/borrow/vehicle-loans.html
    Last checked: October 2026