Auto Loan Rates in Des Moines, Iowa (IA) for July 2026
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Brian McKay
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Current auto loan rates in Des Moines, Iowa include Community Choice Credit Union Johnston, IACommunity Choice Credit Union Johnston, IA700 Lyon st, Des Moines, IA, 50309 5457A+5.0 ★Texas Ratio: 2.96% offering Vehicle Loan at 3.92%, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.86% offering NEW VEHICLES 2025 & Newer Loan at 4.04%, First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.66% offering Auto Loan 2025 Or Newer at 4.49%, Journey Credit UnionJourney Credit Union1400 2nd Ave, Des Moines, IA, 50314 3403A+5.0 ★Texas Ratio: 5.54% offering Automobiles 2024 & Newer at 4.94%, Midwest Heritage BankMidwest Heritage Bank4605 Fleur Dr, Des Moines, IA, 50321A+5.0 ★Texas Ratio: 0.99% offering Auto Loan 2022 or Newer at 5.58%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Des Moines has 5 local institutions in our database, with auto loan rates as low as 3.92% APR from Community Choice Credit Union Johnston, IA at 700 Lyon st, Des Moines, IA, 50309 5457. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Des Moines, Iowa. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Des Moines, Iowa & Surrounding Area
Des Moines Auto Loan Rates
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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As Low As
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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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
APR AS LOW AS**
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As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
APR AS LOW AS**
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
APR AS LOW AS**
APR AS LOW AS**
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
APR AS LOW AS**
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $25,000; Monthly Payment: $478.68
APR AS LOW AS**
As Low As
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
As Low As
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for 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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for 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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
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Loan Amount: $20,000; Monthly Payment: $473.41
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As Low As
APR AS LOW AS**
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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for 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. Rates and approval subject to credit score and collateral analysis. Rates and terms subject to change without notice. Certain restrictions apply. Inquire for details.
Loan Amount: $15,000; Monthly Payment: $475.41
Loan Amount: $10,000; Monthly Payment: $320.33
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As of July 15, 2026
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As Low As; Model Years 2023-2026
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Relationship Rate; As low as APR*
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As Low As; Model Years 2023-2026; Loan must be $18,001 or more
Relationship Rate; As low as APR*
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100% of NADA Retail; As low as APR*
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As low as; 80 Years in the Driver's Seat. Celebrate with auto loans as low as
Relationship Rate; As low as APR*
As Low As; Relationship Rate
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
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Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
As Low As; Relationship Rate
As Low As; Amount Financed: $100 - $1,499
As Low As; Rate
APPLY ONLINE
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
As Low As; Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
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100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
APPLY ONLINE
As Low As; 100% of NADA Retail (RTL)
As Low As; Apply Online
As Low As; **
APPLY ONLINE
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
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As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
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As Low As; Age of Vehicle: 2025-New
As Low As; Apply Online
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As Low As; Special APR: 5.95%
As Low As; Special APR: 5.97%
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Apply Online
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
As Low As; Special APR: 6.06%
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As Low As; Loyalty APR: 5.59%
Apply Online
As Low As; Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
As Low As; Loyalty APR; Vehicle Year: 2020 - 2018
As Low As; Special APR: 6.17%
As Low As; Special APR: 6.18%
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As Low As; Loyalty APR: 5.79%
As Low As; Loyalty APR; Vehicle Year: 2019 - 2017
As Low As; Apply Online
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As Low As; Loyalty APR; Vehicle Year: 2019 - 2017
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As Low As; Vehicle Year: 2019 - 2017
As Low As; Loyalty APR: 6.34%
Model Year: 2020-2027
Model Year: 2020-2027
As Low As; Vehicle Year: 2019 - 2017
Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
Model Year: 2020-2027 Motorcycles Only Over $20,000
Relationship Rate; As low as APR*
100% of NADA Retail (RTL); As low as APR*
100% of NADA Retail (RTL); As low as APR*
As Low As; Apply Online
100% of NADA Retail (RTL); As low as APR*
As Low As; Apply Online
As Low As; Special APR: 5.97%
Des Moines New Auto Auto Loan Rates
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Loan Amount: $25,000; Monthly Payment: $478.68
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As Low as:
As of July 15, 2026
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As Low As; Model Years 2023-2026
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As Low As; **
Relationship Rate; As low as APR*
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Relationship Rate; As low as APR*
As Low As; Relationship Rate
As Low As; Model Years 2023-2026; Loan must be $18,001 or more
Relationship Rate; As low as APR*
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As Low As; **
100% of NADA Retail; As low as APR*
Relationship Rate; As low as APR*
As Low As; Relationship Rate
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low as:
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
As Low As; Relationship Rate
As Low As; Amount Financed: $100 - $1,499
As Low As; Rate
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
As Low As; Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As
As Low As; **
As Low as:
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
Fixed Rates APR effective 10/1/2025. Rates subject to change without notice.
As Low As; 100% of NADA Retail (RTL)
As Low As; Apply Online
As Low As; **
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
As Low As
As Low As; **
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
As Low As;*
As Low As; Age of Vehicle: 2025-New
As Low As; Apply Online
As Low As;*
As Low As; Rates current as of 1/14/26 and are subject to change without notice. All loans are subject to approval based on credit union lending guidelines. Membership is required: $5 minimum share deposit. Federally insured by NCUA.
As Low As; Apply Online
As Low As; Apply Online
As Low As; Apply Online
As Low As; Apply Online
Des Moines Used Auto Auto Loan Rates
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As of July 15, 2026
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As Low As; Model Years 2023-2026
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Relationship Rate; As low as APR*
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Relationship Rate; As low as APR*
As Low As; Relationship Rate
As Low As; Model Years 2023-2026; Loan must be $18,001 or more
Relationship Rate; As low as APR*
As Low As; Relationship Rate
As Low As; **
100% of NADA Retail; As low as APR*
As Low as
Relationship Rate; As low as APR*
As Low As; Relationship Rate
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; Relationship Rate
As Low As; Amount Financed: $100 - $1,499
As Low As; Apply Online
As Low As; Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; **
As Low as
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; 100% of NADA Retail (RTL)
As Low As; Apply Online
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Des Moines, IA Auto Loan Rate Trends
Compare local Des Moines, IA 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.
Iowa new auto rates rose 0.559 points over the past 7 days to 5.683% APR.
Iowa used auto rates rose 0.567 points over the past 7 days to 6.529% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Des Moines, 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 Des Moines, 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 Des Moines, 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 Des Moines, Iowa
How does my credit score affect my car loan rate in Iowa?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Des Moines, Iowa?
- Community Choice Credit Union Johnston, IA: 3.92% (Vehicle Loan)
- Serve Credit Union: 4.04% (NEW VEHICLES 2025 & Newer Loan)
- First Class Community Credit Union: 4.49% (Auto Loan 2025 Or Newer)
- Journey Credit Union: 4.94% (Automobiles 2024 & Newer)
- Midwest Heritage Bank: 5.58% (Auto Loan 2022 or Newer)
