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Des Moines, 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
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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 Des Moines, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
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: 2.92% offering 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%, Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 3.26% offering NEW VEHICLES 2025 & Newer Loan at 4.04%, Collins Community Credit UnionCollins Community Credit Union601 E Court Ave, Des Moines, IA, 50309B4.6 ★Texas Ratio: 20.32% offering 2024 to 2026 Auto Loan at 4.14%, Des Moines Metro Credit UnionDes Moines Metro Credit Union100 University Ave, Des Moines, IA, 50314 3121A+5.0 ★Texas Ratio: 2.73% offering New & Used Vehicle Loan at 4.39%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Des Moines has 12 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, so 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: September 22, 2026
Compare Auto Loan Rates Today in Des Moines, Iowa & Surrounding Area
Des Moines Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
3.92%
1 - 36 months
▼
APR3.92%
Term1 - 36 months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
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 22, 2026
Details
Qualifications Required: Direct deposit of at least $1,000/mo. and setup automatic payments for their loan; 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. Expect a monthly payment of $1180.78 for a $40,000 loan financed at 3.99% for 36 months. Cannot be combined with other rate discounts.
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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
4.14%
Up to 60 Months
▼
APR4.14%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
Loyalty Rate: 3.99%
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
4.39%
1-36 months
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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 22, 2026
Details
Loyalty Rate: 4.24%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
4303 Fleur Dr, Des Moines, IA, 50321 2327
Auto Loan
4.49%
48 months
▼
APR4.49%
Term48 months
Last UpdatedSep 22, 2026
Details
Qualifying auto loans
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan - 2025 Or Newer
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 22, 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
4.49%
37-63 months
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.52%
37 - 66 months
▼
APR4.52%
Term37 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.52%
1 - 60 months
▼
APR4.52%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2024
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.52%
61 - 66 months
▼
APR4.52%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2024
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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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
4.59%
64-69 months
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 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 Loan
4.59%
70-75 months
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 2026
Details
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.62%
67 - 72 months
▼
APR4.62%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 4.14%
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.72%
73 - 78 months
▼
APR4.72%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 4.49%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 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 2021-2023 Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.82%
79 - 84 months
▼
APR4.82%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; 2025 & Newer
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.82%
1 - 60 months
▼
APR4.82%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2023
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.82%
61 - 66 months
▼
APR4.82%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
4.92%
67 - 72 months
▼
APR4.92%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; 2023
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
4.94%
Up to 78 Months
▼
APR4.94%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
Model Year: 2024 & Newer
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedSep 22, 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
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 22, 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%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 4.74%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 4.49%
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan - 2024-2022
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 22, 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 2021-2023 Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.02%
73 - 78 months
▼
APR5.02%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; 2023
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
New Auto Loan
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedSep 22, 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
Auto Loan
5.09%
60 months
▼
APR5.09%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2024 & newer
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
5.09%
Up to 78 Months
▼
APR5.09%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
Model Year: 2026 - 2023
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.12%
79 - 84 months
▼
APR5.12%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; 2023
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.17%
1 - 60 months
▼
APR5.17%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2022
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.17%
61 - 66 months
▼
APR5.17%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2022
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 22, 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 22, 2026
Details
Model Year: 2024 & Newer
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 22, 2026
Details
Model Year: 2021-2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedSep 22, 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
Auto Loan
5.24%
36 months
▼
APR5.24%
Term36 months
Last UpdatedSep 22, 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
Auto Loan
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedSep 22, 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
Auto Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2023 & 2022
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 22, 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 22, 2026
Details
Loyalty Rate: 4.99%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 4.74%
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.27%
67 - 72 months
▼
APR5.27%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; 2022
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
5.29%
64-72 months
▼
APR5.29%
Term64-72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2026 - 2023
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
5.29%
48 months
▼
APR5.29%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.34%
36 months
▼
APR5.34%
Term36 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021 & 2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.34%
48 months
▼
APR5.34%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021 & 2020
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
5.34%
Up to 84 Months
▼
APR5.34%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.37%
73 - 78 months
▼
APR5.37%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; 2022
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2650 University Ave, Des Moines, IA, 50311
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
5.39%
Up to 72 Months
▼
APR5.39%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 4.89%
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021-2023
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.39%
36 months
▼
APR5.39%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
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
5.39%
84 months
▼
APR5.39%
Term84 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
5.44%
Up to 78 Months
▼
APR5.44%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 4.94%
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.47%
79 - 84 months
▼
APR5.47%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; 2022
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.47%
1 - 60 months
▼
APR5.47%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2021
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.47%
61 - 66 months
▼
APR5.47%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2021
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2023 & 2022
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.49%
Up to 60 Months
▼
APR5.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 5.24%
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan - 2021-2019
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 22, 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
5.49%
1-36 months
▼
APR5.49%
Term1-36 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
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
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.54%
84 months
▼
APR5.54%
Term84 months
Last UpdatedSep 22, 2026
Details
Model Year: 2024 & newer
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.57%
67 - 72 months
▼
APR5.57%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; 2021
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2650 University Ave, Des Moines, IA, 50311
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
5.59%
Up to 78 Months
▼
APR5.59%
TermUp to 78 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 5.09%
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021-2023
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.59%
48 months
▼
APR5.59%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
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
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.64%
60 months
▼
APR5.64%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021 & 2020
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2024 to 2026 Auto Loan
5.64%
Up to 84 Months
▼
APR5.64%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 5.14%
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.67%
73 - 78 months
▼
APR5.67%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; 2021
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
5.69%
37-48 months
▼
APR5.69%
Term37-48 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
5.74%
Up to 72 Months
▼
APR5.74%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 5.49%
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.77%
79 - 84 months
▼
APR5.77%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; 2021
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.77%
1 - 60 months
▼
APR5.77%
Term1 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2020
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.77%
61 - 66 months
▼
APR5.77%
Term61 - 66 months
Last UpdatedSep 22, 2026
Details
As Low As; 2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.79%
84 months
▼
APR5.79%
Term84 months
Last UpdatedSep 22, 2026
Details
Model Year: 2023 & 2022
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
5.79%
49-60 months
▼
APR5.79%
Term49-60 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2021 to 2023 Auto Loan
5.84%
Up to 84 Months
▼
APR5.84%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 5.34%
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.87%
67 - 72 months
▼
APR5.87%
Term67 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; 2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.89%
36 months
▼
APR5.89%
Term36 months
Last UpdatedSep 22, 2026
Details
Model Year: 2019 - 2016
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
5.94%
72 months
▼
APR5.94%
Term72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021 & 2020
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
5.97%
73 - 78 months
▼
APR5.97%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; 2020
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan - 2018 or Older
5.99%
Up to 48 Months
▼
APR5.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As low as
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
6.09%
48 months
▼
APR6.09%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2017-2020
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
6.14%
48 months
▼
APR6.14%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2019 - 2016
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
6.19%
60 months
▼
APR6.19%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2017-2020
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
6.24%
Up to 48 Months
▼
APR6.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 5.99%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.24%
Up to 60 Months
▼
APR6.24%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.34%
Up to 66 Months
▼
APR6.34%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
6.39%
60 months
▼
APR6.39%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2019 - 2016
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.44%
Up to 72 Months
▼
APR6.44%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
Auto Loan
6.54%
96 months**
▼
APR6.54%
Term96 months**
Last UpdatedSep 22, 2026
Details
Model Year: 2024 & newer; For loan amounts greater than $70,000
Capitol View Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
623 E 12th St, Des Moines, IA, 50309
Vehicle Loan
6.74%
Up to 60 Months
▼
APR6.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 6.49%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.74%
Up to 60 Months
▼
APR6.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 6.24%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.84%
Up to 66 Months
▼
APR6.84%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 6.34%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2017 to 2020 Auto Loan
6.94%
Up to 72 Months
▼
APR6.94%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 6.44%
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
7.00%
Up to 120 Months
▼
APR7.00%
TermUp to 120 Months
Last UpdatedSep 22, 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
7.24%
Up to 36 Months
▼
APR7.24%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Loyalty Rate: 6.99%
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
7.25%
Up to 72 Months
▼
APR7.25%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Model Year: 2025 or 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
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2014-2016
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.49%
36 months
▼
APR7.49%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2016 and older
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.69%
48 months
▼
APR7.69%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2016 and older
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
7.75%
Up to 72 Months
▼
APR7.75%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Model Year: 2024-2022; As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
8.25%
Up to 72 Months
▼
APR8.25%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Model Year: 2021-2019; 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
8.39%
36 months
▼
APR8.39%
Term36 months
Last UpdatedSep 22, 2026
Details
Model Year: 2013 & older
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES
8.50%
12 months
▼
APR8.50%
Term12 months
Last UpdatedSep 22, 2026
Details
As Low As;*
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
8.52%
1 - 48 months
▼
APR8.52%
Term1 - 48 months
Last UpdatedSep 22, 2026
Details
As Low As; 2015 & 2016
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
8.62%
49 - 60 months
▼
APR8.62%
Term49 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; 2015 & 2016
Community Choice Credit Union Johnston, IA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
700 Lyon st, Des Moines, IA, 50309 5457
Vehicle Loan
8.62%
1 - 48 months
▼
APR8.62%
Term1 - 48 months
Last UpdatedSep 22, 2026
Details
As Low As; 2014 & Older
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES
8.75%
24 months
▼
APR8.75%
Term24 months
Last UpdatedSep 22, 2026
Details
As Low As;*
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
8.75%
Up to 48 Months
▼
APR8.75%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Model Year: 2018 or Older; As Low As
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2016 and Older Auto Loan
8.94%
Up to 60 Months
▼
APR8.94%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES
9.00%
36 months
▼
APR9.00%
Term36 months
Last UpdatedSep 22, 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
Auto Loan
9.09%
36 months
▼
APR9.09%
Term36 months
Last UpdatedSep 22, 2026
Details
Model Year: 2015 & older
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2016 and Older Auto Loan
9.14%
Up to 66 Months
▼
APR9.14%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Loyalty APR
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2016 and Older Auto Loan
9.44%
Up to 60 Months
▼
APR9.44%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 8.94%
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES
9.50%
48 months
▼
APR9.50%
Term48 months
Last UpdatedSep 22, 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
Auto Loan
9.59%
48 months
▼
APR9.59%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2015 & older
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA, 50317 2406
2016 and Older Used Autos or Motorcycles
9.59%
1-36 months
▼
APR9.59%
Term1-36 months
Last UpdatedSep 22, 2026
Details
As low as 9.59%
Collins Community Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.32%
601 E Court Ave, Des Moines, IA, 50309
2016 and Older Auto Loan
9.64%
Up to 66 Months
▼
APR9.64%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
As Low As; Loyalty APR: 9.14%
Affinity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
475 NW Hoffman Ln, Des Moines, IA, 50313 2261
AUTOS/MOTORCYCLES
10.00%
60 months
▼
APR10.00%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As;*
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA, 50317 2406
2016 and Older Used Autos or Motorcycles
10.09%
37-48 months
▼
APR10.09%
Term37-48 months
Last UpdatedSep 22, 2026
Details
As low as 10.09%
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
▼
APR3.74%
Term2 Years
Last UpdatedSep 22, 2026
Details
Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
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.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
▼
APR3.99%
Term3 Years
Last UpdatedSep 22, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
3.99%
2 Years
▼
APR3.99%
Term2 Years
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.10%
0-36 months
▼
APR4.10%
Term0-36 months
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Centris Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.55%
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.
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.24%
3 Years
▼
APR4.24%
Term3 Years
Last UpdatedSep 22, 2026
Details
Quaker Oats Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan (2024-2027 vehicles)
4.24%
up to 5 years
▼
APR4.24%
Termup to 5 years
Last UpdatedSep 22, 2026
Details
As Low As; FOR A LIMITED TIME
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
▼
APR4.34%
Term4 Years
Last UpdatedSep 22, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
▼
APR4.44%
Term5 Years
Last UpdatedSep 22, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.44%
4 Years
▼
APR4.44%
Term4 Years
Last UpdatedSep 22, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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%
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*
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Vehicle Loan (2022 - 2021 Vehicles)
4.54%
5 Years
▼
APR4.54%
Term5 Years
Last UpdatedSep 22, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Relationship Rate
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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%
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%
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%
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
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
Powered by
MonitorBankRates
Des Moines New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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
4.39%
1-36 months
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 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 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan - 2025 Or Newer
4.49%
Up to 84 Months
▼
APR4.49%
TermUp to 84 Months
Last UpdatedSep 22, 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
4.49%
37-63 months
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 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
4.54%
60 months
▼
APR4.54%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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
4.59%
64-69 months
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 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 Loan
4.59%
70-75 months
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 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
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 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
4.84%
84 months
▼
APR4.84%
Term84 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: NEW VEHICLES 2025 & Newer
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 22, 2026
Details
Model Year: 2024 & Newer
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 22, 2026
Details
Model Year: 2024 & Newer
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 22, 2026
Details
Model Year: 2026 - 2023
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 22, 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 22, 2026
Details
Model Year: 2024 & Newer
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
5.29%
64-72 months
▼
APR5.29%
Term64-72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2026 - 2023
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2650 University Ave, Des Moines, IA, 50311
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
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
5.49%
1-36 months
▼
APR5.49%
Term1-36 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
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
5.69%
37-48 months
▼
APR5.69%
Term37-48 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
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
5.79%
49-60 months
▼
APR5.79%
Term49-60 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.74%
2 Years
▼
APR3.74%
Term2 Years
Last UpdatedSep 22, 2026
Details
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
3.99%
3 Years
▼
APR3.99%
Term3 Years
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto (2025-Newer)
4.10%
0-36 months
▼
APR4.10%
Term0-36 months
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
New Vehicles, Boats & Trailer over 16 Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.34%
4 Years
▼
APR4.34%
Term4 Years
Last UpdatedSep 22, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
New Titled and Untitled Vehicles 2026-2023 Loan
4.44%
5 Years
▼
APR4.44%
Term5 Years
Last UpdatedSep 22, 2026
Details
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
New Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details
As Low as:
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Relationship Rate
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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%
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%
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
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
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MonitorBankRates
Des Moines Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
4.39%
1-36 months
▼
APR4.39%
Term1-36 months
Last UpdatedSep 22, 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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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
4.49%
37-63 months
▼
APR4.49%
Term37-63 months
Last UpdatedSep 22, 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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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
4.59%
64-69 months
▼
APR4.59%
Term64-69 months
Last UpdatedSep 22, 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 Loan
4.59%
70-75 months
▼
APR4.59%
Term70-75 months
Last UpdatedSep 22, 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
4.64%
60 months
▼
APR4.64%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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
4.79%
84 months
▼
APR4.79%
Term84 months
Last UpdatedSep 22, 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 2021-2023 Loan
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2024
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
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 22, 2026
Details
Model Year: 2026 - 2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
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 22, 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 22, 2026
Details
Model Year: 2021-2023
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 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
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
5.29%
64-72 months
▼
APR5.29%
Term64-72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2026 - 2023
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
5.29%
48 months
▼
APR5.29%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021-2023
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.39%
36 months
▼
APR5.39%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
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
5.39%
84 months
▼
APR5.39%
Term84 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2021-2023
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
5.49%
1-36 months
▼
APR5.49%
Term1-36 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
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
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
2650 University Ave, Des Moines, IA, 50311
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 22, 2026
Details
Model Year: 2021-2023
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.59%
48 months
▼
APR5.59%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
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
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2019-2020
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
5.69%
37-48 months
▼
APR5.69%
Term37-48 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018 Loan
5.69%
60 months
▼
APR5.69%
Term60 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2017-2018
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
5.79%
49-60 months
▼
APR5.79%
Term49-60 months
Last UpdatedSep 22, 2026
Details
for models years 2016 and older, contact the credit union
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
3621 Merle Hay Rd, Des Moines, IA, 50310
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
6.09%
48 months
▼
APR6.09%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2017-2020
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
6.19%
60 months
▼
APR6.19%
Term60 months
Last UpdatedSep 22, 2026
Details
Model Year: 2017-2020
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedSep 22, 2026
Details
Model Year: 2014-2016
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.49%
36 months
▼
APR7.49%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2016 and older
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older Loan
7.69%
48 months
▼
APR7.69%
Term48 months
Last UpdatedSep 22, 2026
Details
As Low As; Vehicle/Model/Year: USED VEHICLES 2016 and older
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1400 2nd Ave, Des Moines, IA, 50314 3403
Used Auto Loan
8.39%
36 months
▼
APR8.39%
Term36 months
Last UpdatedSep 22, 2026
Details
Model Year: 2013 & older
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA, 50317 2406
2016 and Older Used Autos or Motorcycles
9.59%
1-36 months
▼
APR9.59%
Term1-36 months
Last UpdatedSep 22, 2026
Details
As low as 9.59%
Greater Iowa Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.52%
600 E 30th St, Des Moines, IA, 50317 2406
2016 and Older Used Autos or Motorcycles
10.09%
37-48 months
▼
APR10.09%
Term37-48 months
Last UpdatedSep 22, 2026
Details
As low as 10.09%
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedSep 22, 2026
Details
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedSep 22, 2026
Details
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
36 Months
▼
APR4.44%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As
Lennox Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Used Vehicles 2019 & Newer, Boats & Trailer over16 Loan
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedSep 22, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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%
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*
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New or Used Vehicle Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 22, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.54%
Up to 48 Months
▼
APR4.54%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.97%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedSep 22, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
60 Months
▼
APR4.64%
Term60 Months
Last UpdatedSep 22, 2026
Details
2024 or Newer; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto Loans
4.64%
Up to 48 Months
▼
APR4.64%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Relationship Rate
Cobalt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
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%
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%
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%
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
Members1st Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
New & Used Autos/Trucks
4.74%
61 - 72 Months
▼
APR4.74%
Term61 - 72 Months
Last UpdatedSep 22, 2026
Details
Model Years 2023-2026; Loan must be $18,001 or more
Powered by
MonitorBankRates
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.
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 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Des Moines, IA 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 23, 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 Des Moines, Iowa
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Des Moines, 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 Des Moines, 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: Des Moines, Iowa CD rates lock in a guaranteed return until you’re ready to buy
Des Moines, Iowa Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$41,192
Median Individual Earnings
National avg: $47,340
5.6%
Unemployment Rate
National avg: 4.8%
15.0%
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 16.6% of the median individual income in Des Moines, 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 Des Moines, 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 Des Moines, 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.
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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 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?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Des Moines, 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 Des Moines, 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 Des Moines, Iowa?
Yes. A preapproval from a bank or credit union serving Des Moines, 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 Des Moines, 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 Des Moines, Iowa?
Based on our current data, some of the lowest auto loan rates available in Des Moines, Iowa include:
- Community Choice Credit Union Johnston, IA: 3.92% (Vehicle Loan)
- Capitol View Credit Union: 3.99% (Auto Loan)
- Serve Credit Union: 4.04% (NEW VEHICLES 2025 & Newer Loan)
- Collins Community Credit Union: 4.14% (2024 to 2026 Auto Loan)
- Des Moines Metro Credit Union: 4.39% (New & Used Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 22, 2026
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