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Should I Lease or Purchase a Car?

Researching if you should lease or buy your next vehicle? Use this calculator to calculate your monthly payments and total net cost. By comparing these amounts, you can determine which is the better for you.

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Today's Rates for New & Used Auto Loans in Indiana

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2018 or Newer** 6.15%
Up to 84 Months 2020 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Michigan

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2018 or Newer** 6.20%
Up to 84 Months 2020 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Nevada

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.19%
Up to 48 Months All Years** 5.29%
Up to 60 Months All Years** 5.39%
Up to 72 Months 2018 or Newer** 5.69%
Up to 84 Months 2020 or Newer 6.29%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in North Carolina

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.25%
Up to 48 Months All Years** 5.35%
Up to 60 Months All Years** 5.45%
Up to 72 Months 2018 or Newer** 5.75%
Up to 84 Months 2020 or Newer 6.35%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Ohio

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.70%
Up to 48 Months All Years** 5.80%
Up to 60 Months All Years** 5.90%
Up to 72 Months 2018 or Newer** 6.20%
Up to 84 Months 2020 or Newer 6.80%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Pennsylvania

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.65%
Up to 48 Months All Years** 5.75%
Up to 60 Months All Years** 5.85%
Up to 72 Months 2018 or Newer** 6.15%
Up to 84 Months 2020 or Newer 6.75%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Other States

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.90%
Up to 48 Months All Years** 6.00%
Up to 60 Months All Years** 6.10%
Up to 72 Months 2018 or Newer** 6.40%
Up to 84 Months 2020 or Newer 7.00%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Arkansas

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2018 or Newer** 6.00%
Up to 84 Months 2020 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

Today's Rates for New & Used Auto Loans in Oklahoma

Please select your state in the dropdown to see our rates for your location.

Effective Date: December 19, 2024
Term Vehicle Model Years Don't use APR1 As Low As* Spare2
Up to 36 Months All Years** 5.50%
Up to 48 Months All Years** 5.60%
Up to 60 Months All Years** 5.70%
Up to 72 Months 2018 or Newer** 6.00%
Up to 84 Months 2020 or Newer 6.60%
[1] APR = Annual Percentage Rate. The base APR varies by state, as low as 5.19% to as high as 18.00% APR (as high as 17.00% APR in Arkansas and Oklahoma) depending on credit performance, age of vehicle and terms of the loan. Payment Example: $20,000 at 6.75% APR for 60 months equals $393.74 per month. *Rates shown include a 0.25% rate discount below the base APR for 80% loan to value, a 0.10% rate discount for maintaining an Ultra Checking account with a positive balance, and a 0.25% rate discount for electric vehicles.. Some conditions apply. **A 0.75 premium will be added to model years 2019 and older.

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