The MFP’s Community Auto Lender Survey gathers Illinois’ car drivers feedback and recommendations for direct lenders like banks, credit unions and online lenders, plus marketplaces. Shopping for a car loan and a lender can be complicated and we gathered this data to help your choice.
Updated: May 11, 2026
<< Human Powered Recommendations from Illinois’ Car Drivers >>
Illinois Best Car Loan Lenders
Chicago, Aurora, Joliet, Naperville, Rockford, Springfield, Elgin, Peoria, Waukegan, Champaign, Online.
Illinois Car Loans Lenders Satisfaction
Performance and satisfaction of car loan lenders across Illinois by lenders type.
| Lender Type | Application Ease | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommendation Rate |
|---|---|---|---|---|
| Credit Unions | 4.53 | 4.54 | 4.57 | 89.6% |
| Community Banks | 4.31 | 4.32 | 4.40 | 84.5% |
| Online Lenders | 4.57 | 4.50 | 4.46 | 82.5% |
| Banks | 4.02 | 4.10 | 4.12 | 78.2% |
Source: MFP’s Community Survey of Auto Loan Lenders by State and Cities.
Recommendations are gathered from 3,805 local Illinoisans who got a quote or applied for a car loan in the past 12 months. We survey 4 broad areas; loan application, loan term and rate, speedy quote and decision, plus if borrowers recommend the lender:
- Loan Application (0 to 5): How easy it is to apply for your auto loan. What’s the amount of information asked. How fast do you complete your application for your loan.
- Loan Term& Rate (0 to 5): Are you satisfied with the loan rate offered and loan term available? Are you satisfied with the fees or absence of fees?
- Speedy Quote & Decision (0 to 5): Were you happy with the guidance and speed you were offered, speed of a quote requested, and speed to get a decision on your loan?
- Recommendation (yes/no): Do you recommend this lender after going through the process?
More Info for Illinois Drivers:
Illinois New Car Insurance Cost
Illinois Used Car Insurance Cost
Chicago Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Chicago’s area are Consumers Credit Union, Credit Union 1 and First Northern Credit Union.
Consumers Credit Union (92% Recommend)
- Consumers Credit Union ranks highest overall with a 92% Recommend score, plus the strongest Easy Application rating among the top 3 at 4.7.
- Reviews most often point to a clear application process, responsive staff, and competitive auto-loan terms, which supports its top placement.
Credit Union 1 (91% Recommend)
- Credit Union 1 is close behind at 91% Recommend and has the highest Speedy Quote & Decision score among the top 3 at 4.7.
- Reviews frequently mention helpful staff, straightforward loan support, and positive auto-loan service experiences.
First Northern Credit Union (90% Recommend)
- First Northern Credit Union earns a 90% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.6 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of friendly service, useful loan help, and a smooth borrowing experience.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 92% |
| Credit Union 1 | Credit Union | 4.6 | 4.5 | 4.7 | 91% |
| First Northern Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Vicinity Credit Union | Credit Union | 4.5 | 4.4 | 4.6 | 89% |
| HealthCare Associates Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Great Lakes Credit Union | Credit Union | 4.4 | 4.4 | 4.4 | 86% |
| NuMark Credit Union | Credit Union | 4.3 | 4.4 | 4.3 | 85% |
| Marquette Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| First American Bank | Community Bank | 4.2 | 4.3 | 4.3 | 83% |
| ABOC | Community Bank | 4.2 | 4.2 | 4.3 | 82% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Fifth Third Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.1 | 77% |
| Chase | Bank | 3.9 | 4.0 | 4.0 | 76% |
| U.S. Bank | Bank | 3.9 | 3.9 | 4.0 | 75% |
Aurora Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Aurora’s area are Consumers Credit Union, Fox Valley Credit Union and NuMark Credit Union.
Consumers Credit Union (92% Recommend)
- Consumers Credit Union ranks highest with a 92% Recommend score and the strongest Easy Application rating among the top 3 at 4.7.
- Reviews frequently point to a smooth application process, helpful staff, and competitive auto-loan terms, supporting its top ranking.
Fox Valley Credit Union (91% Recommend)
- Fox Valley Credit Union ranks second with a 91% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews commonly mention friendly local service, clear loan help, and positive member experiences with borrowing.
NuMark Credit Union (89% Recommend)
- NuMark Credit Union earns an 89% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.5 Speedy Quote & Decision ratings.
- Reviews support the score through repeated mentions of helpful loan staff, responsive service, and straightforward financing support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 92% |
| Fox Valley Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| NuMark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 89% |
| Earthmover Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 88% |
| Aurora Policemen Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 87% |
| First American Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| First Secure Community Bank | Community Bank | 4.3 | 4.2 | 4.4 | 83% |
| Aurora Bank & Trust | Community Bank | 4.2 | 4.2 | 4.3 | 82% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.1 | 77% |
Joliet Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Joliet’s area are NuMark Credit Union, Joliet Municipal Employees Federal Credit Union and Abri Credit Union.
NuMark Credit Union (90% Recommend)
- NuMark Credit Union ranks highest with a 90% Recommend score and the strongest Loan Terms & Rate Satisfaction rating among the top 3 at 4.6.
- Reviews frequently point to helpful loan staff, clear vehicle-loan support, and a smooth borrowing process.
Joliet Municipal Employees Federal Credit Union (89% Recommend)
- Joliet Municipal Employees Federal Credit Union ranks second with an 89% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews support the ranking through repeated mentions of personal service, responsive staff, and straightforward member assistance.
Abri Credit Union (88% Recommend)
- Abri Credit Union earns an 88% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.5 Speedy Quote & Decision ratings.
- Reviews commonly mention friendly service, useful loan help, and positive experiences with branch staff.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| NuMark Credit Union | Credit Union | 4.6 | 4.6 | 4.5 | 90% |
| Joliet Municipal Employees Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Abri Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| New Century Federal Credit Union | Credit Union | 4.4 | 4.4 | 4.5 | 86% |
| First American Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Chase | Bank | 3.9 | 4.0 | 4.0 | 76% |
| Bank of America | Bank | 3.8 | 3.9 | 3.9 | 74% |
Naperville Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Naperville’s area are GreenState Credit Union, Consumers Credit Union and Great Lakes Credit Union.
GreenState Credit Union (92% Recommend)
- GreenState Credit Union ranks highest with a 92% Recommend score and the strongest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Reviews frequently point to helpful staff, competitive loan terms, and a straightforward auto-loan experience.
Consumers Credit Union (91% Recommend)
- Consumers Credit Union ranks second with a 91% Recommend score and has the highest Easy Application rating among the top 3 at 4.7.
- Reviews commonly mention a smooth application process, responsive service, and positive vehicle-loan experiences.
Great Lakes Credit Union (89% Recommend)
- Great Lakes Credit Union earns an 89% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.6 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of clear loan help, friendly staff, and useful member guidance.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| GreenState Credit Union | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| Consumers Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 91% |
| Great Lakes Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| NuMark Credit Union | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| Naperville Bank & Trust | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| Lakeside Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Huntington Bank | Bank | 4.0 | 4.0 | 4.1 | 77% |
Rockford Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Rockford’s area are MembersAlliance Credit Union, Rock Valley Credit Union and GreenState Credit Union.
MembersAlliance Credit Union (92% Recommend)
- MembersAlliance Credit Union ranks highest with a 92% Recommend score and the strongest Easy Application rating among the top 3 at 4.7.
- Reviews frequently point to helpful branch staff, a smooth auto-loan process, and clear support during financing.
Rock Valley Credit Union (91% Recommend)
- Rock Valley Credit Union ranks second with a 91% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.7.
- Reviews commonly mention friendly service, useful loan help, and positive local member experiences.
GreenState Credit Union (90% Recommend)
- GreenState Credit Union earns a 90% Recommend score and has the highest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Reviews support the ranking through repeated mentions of competitive rates, helpful staff, and straightforward vehicle-loan support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| MembersAlliance Credit Union | Credit Union | 4.7 | 4.6 | 4.7 | 92% |
| Rock Valley Credit Union | Credit Union | 4.6 | 4.6 | 4.7 | 91% |
| GreenState Credit Union | Credit Union | 4.5 | 4.7 | 4.6 | 90% |
| Connexus Credit Union | Credit Union | 4.5 | 4.6 | 4.5 | 88% |
| First Community Credit Union | Credit Union | 4.4 | 4.5 | 4.5 | 87% |
| UMB Bank | Bank | 4.2 | 4.3 | 4.3 | 83% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Associated Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
Springfield Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Springfield’s area are Heartland Credit Union, Illinois State Police Federal Credit Union and CEFCU.
Heartland Credit Union (91% Recommend)
- Heartland Credit Union ranks highest with a 91% Recommend score and the strongest Easy Application rating among the top 3 at 4.6.
- Reviews frequently point to helpful staff, a straightforward loan process, and positive member service experiences.
Illinois State Police Federal Credit Union (90% Recommend)
- Illinois State Police Federal Credit Union ranks second with a 90% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews commonly mention responsive service, personal attention, and useful help through loan questions.
CEFCU (88% Recommend)
- CEFCU earns an 88% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.5 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of clear service, competitive loan support, and helpful branch staff.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Heartland Credit Union | Credit Union | 4.6 | 4.6 | 4.6 | 91% |
| Illinois State Police Federal Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| CEFCU | Credit Union | 4.5 | 4.5 | 4.5 | 88% |
| Bank of Springfield | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| Alliance Community Bank | Community Bank | 4.3 | 4.4 | 4.4 | 85% |
| Security Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| Hickory Point Bank | Community Bank | 4.2 | 4.3 | 4.3 | 83% |
| INB | Community Bank | 4.1 | 4.2 | 4.3 | 81% |
Elgin Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Elgin’s area are Consumers Credit Union, Alero Financial and Prairie Community Bank.
Consumers Credit Union (92% Recommend)
- Consumers Credit Union ranks highest with a 92% Recommend score and the strongest Easy Application rating among the top 3 at 4.7.
- Reviews frequently point to a smooth application process, helpful service, and strong auto-loan support.
Alero Financial (90% Recommend)
- Alero Financial ranks second with a 90% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews commonly mention friendly staff, clear explanations, and helpful loan guidance at the branch level.
Prairie Community Bank (88% Recommend)
- Prairie Community Bank earns an 88% Recommend score, with balanced 4.5 Easy Application, 4.4 Loan Terms, and 4.5 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of responsive local service and straightforward lending help.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 92% |
| Alero Financial | Credit Union | 4.5 | 4.5 | 4.6 | 90% |
| Prairie Community Bank | Community Bank | 4.5 | 4.4 | 4.5 | 88% |
| Elgin State Bank | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| First American Bank | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| American Eagle Bank | Community Bank | 4.3 | 4.3 | 4.3 | 83% |
| Associated Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
| U.S. Bank | Bank | 3.9 | 3.9 | 4.0 | 75% |
Peoria Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Peoria’s area are CEFCU, Peoria Hiway Credit Union and Cooperative Choice Network Credit Union.
CEFCU (92% Recommend)
- CEFCU ranks highest with a 92% Recommend score and the strongest Loan Terms & Rate Satisfaction rating among the top 3 at 4.7.
- Reviews frequently point to competitive vehicle-loan terms, helpful staff, and a clear borrowing process.
Peoria Hiway Credit Union (90% Recommend)
- Peoria Hiway Credit Union ranks second with a 90% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews commonly mention personal service, responsive staff, and helpful guidance through loan questions.
Cooperative Choice Network Credit Union (89% Recommend)
- Cooperative Choice Network Credit Union earns an 89% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.6 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of friendly service, useful financing help, and positive member experiences.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| CEFCU | Credit Union | 4.6 | 4.7 | 4.6 | 92% |
| Peoria Hiway Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Cooperative Choice Network Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Better Banks | Community Bank | 4.4 | 4.5 | 4.5 | 87% |
| Hometown Community Banks | Community Bank | 4.4 | 4.4 | 4.5 | 86% |
| Heartland Bank and Trust Company | Community Bank | 4.3 | 4.3 | 4.4 | 84% |
| Busey Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| PNC Bank | Bank | 3.9 | 4.0 | 4.0 | 76% |
Waukegan Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Waukegan’s area are Consumers Credit Union, Great Lakes Credit Union and Waukegan Community Bank.
Consumers Credit Union (92% Recommend)
- Consumers Credit Union ranks highest with a 92% Recommend score and the strongest Easy Application rating among the top 3 at 4.7.
- Reviews frequently point to a smooth application process, helpful service, and strong vehicle-loan support.
Great Lakes Credit Union (89% Recommend)
- Great Lakes Credit Union ranks second with an 89% Recommend score and has the highest Speedy Quote & Decision rating among the top 3 at 4.6.
- Reviews commonly mention clear loan help, responsive staff, and positive member service experiences.
Waukegan Community Bank (87% Recommend)
- Waukegan Community Bank earns an 87% Recommend score, with balanced 4.4 Easy Application, 4.4 Loan Terms, and 4.5 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of helpful local bankers, personal service, and straightforward lending support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 92% |
| Great Lakes Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| Waukegan Community Bank | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| First Midwest Bank | Bank | 4.3 | 4.3 | 4.4 | 84% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| PNC Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
| Chase | Bank | 3.9 | 4.0 | 4.0 | 76% |
| Bank of America | Bank | 3.8 | 3.9 | 3.9 | 74% |
Champaign Best Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Champaign’s area are U of I Community Credit Union, Community Plus Federal Credit Union and Central Illinois Credit Union.
U of I Community Credit Union (92% Recommend)
- U of I Community Credit Union ranks highest with a 92% Recommend score and the strongest Easy Application rating among the top 3 at 4.7.
- Reviews frequently point to responsive service, clear auto-loan support, and a smooth borrowing process.
Community Plus Federal Credit Union (90% Recommend)
- Community Plus Federal Credit Union ranks second with a 90% Recommend score and matches the highest Speedy Quote & Decision score among the top 3 at 4.6.
- Reviews commonly mention helpful staff, practical vehicle-loan guidance, and positive member service experiences.
Central Illinois Credit Union (89% Recommend)
- Central Illinois Credit Union earns an 89% Recommend score, with balanced 4.5 Easy Application, 4.5 Loan Terms, and 4.6 Speedy Quote & Decision ratings.
- Reviews support the ranking through repeated mentions of friendly service, useful loan help, and straightforward branch support.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| U of I Community Credit Union | Credit Union | 4.7 | 4.6 | 4.6 | 92% |
| Community Plus Federal Credit Union | Credit Union | 4.5 | 4.6 | 4.6 | 90% |
| Central Illinois Credit Union | Credit Union | 4.5 | 4.5 | 4.6 | 89% |
| First Federal Savings Bank of Champaign-Urbana | Community Bank | 4.4 | 4.4 | 4.5 | 87% |
| Busey Bank | Bank | 4.2 | 4.3 | 4.3 | 82% |
| Hometown Community Banks | Community Bank | 4.2 | 4.2 | 4.3 | 81% |
| Old National Bank | Bank | 4.1 | 4.2 | 4.2 | 80% |
| Commerce Bank | Bank | 4.0 | 4.1 | 4.1 | 78% |
Illinois Best Online Car Loan Lenders
MFP’s Community Lenders Survey most recommended auto loan lenders in Illinois’s area are Consumers Credit Union, Alliant Credit Union and Baxter Credit Union.
Consumers Credit Union (94% Recommend)
- Consumers Credit Union ranks #1 with a 94% Recommend score, a 4.8 Easy Application rating and a 4.8 Loan Terms rating, tying Alliant for the highest Loan Terms rating among the top 3.
- Borrower-facing information supports a strong Illinois fit, with online applications, new and used auto-loan options and broad in-state credit union availability.
Alliant Credit Union (93% Recommend)
- Alliant ranks #2 with a 93% Recommend score, a 4.8 Easy Application rating and a 4.8 Loan Terms rating, matching Consumers Credit Union on both application ease and loan terms.
- Loan information supports online vehicle-loan applications, preapproval before shopping and strong Illinois borrower support for new and used vehicle purchases.
Baxter Credit Union (91% Recommend)
- Baxter Credit Union ranks #3 with a 91% Recommend score, a 4.7 Easy Application rating and a 4.7 Speedy Quote & Decision rating, just below Consumers Credit Union and Alliant on Easy Application.
- Borrower-facing materials support online auto-loan applications, clear vehicle-financing options and useful guidance for Illinois car buyers comparing lenders.
| Lenders | Type | Easy Application | Loan Terms & Rate Satisfaction | Speedy Quote & Decision | Recommend % |
|---|---|---|---|---|---|
| Consumers Credit Union | Direct | 4.8 | 4.8 | 4.8 | 94% |
| Alliant Credit Union | Direct | 4.8 | 4.8 | 4.7 | 93% |
| Baxter Credit Union | Direct | 4.7 | 4.7 | 4.7 | 91% |
| First Northern Credit Union | Direct | 4.7 | 4.6 | 4.7 | 90% |
| Scott Credit Union | Direct | 4.7 | 4.6 | 4.6 | 89% |
| Great Lakes Credit Union | Direct | 4.6 | 4.6 | 4.6 | 88% |
| Illinois Community Credit Union | Direct | 4.6 | 4.6 | 4.5 | 87% |
| Abri Credit Union | Direct | 4.6 | 4.5 | 4.5 | 86% |
| Credit Union 1 | Direct | 4.5 | 4.6 | 4.5 | 85% |
| DuPage Credit Union | Direct | 4.5 | 4.5 | 4.5 | 84% |
| NuMark Credit Union | Direct | 4.5 | 4.5 | 4.4 | 83% |
| SIU Credit Union | Direct | 4.4 | 4.5 | 4.4 | 82% |
| Capital One Auto Navigator | Direct | 4.7 | 4.3 | 4.3 | 79% |
| Navy Federal Credit Union | Direct | 4.6 | 4.5 | 4.6 | 78% |
| LightStream | Direct | 4.6 | 4.4 | 4.2 | 77% |
| USAA | Direct | 4.5 | 4.4 | 4.4 | 76% |
| Digital Federal Credit Union | Direct | 4.4 | 4.5 | 4.3 | 75% |
| myAutoloan | Marketplace | 4.5 | 4.3 | 4.2 | 73% |
| AUTOPAY | Marketplace | 4.5 | 4.3 | 4.2 | 72% |
| CarsDirect | Marketplace | 4.2 | 4.0 | 4.0 | 69% |