Auto Loan Rates in Des Moines, Iowa (IA) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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 Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.86% offering NEW VEHICLES 2025 & Newer at 4.09%, Financial Plus Credit UnionFinancial Plus Credit Union4303 Fleur Dr, Des Moines, IA, 50321 2327A+5.0 ★Texas Ratio: 2.00% offering Auto Loans at 4.49%, First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.66% offering Auto Loans 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 at 4.94%, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.76% offering New Vehicle 2025 - Newer at 3.99%. Auto loan rates as of June 4, 2026 according to verified data from MonitorBankRates.
Des Moines has 4 local institutions in our database, with auto loan rates as low as 4.09% APR from Serve Credit Union at 423 E Court Ave, Des Moines, IA, 50309 2010. 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: June 4, 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
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.00%
4303 Fleur Dr, Des Moines, IA, 50321 2327
Auto Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 18, 2026
Details
Drive into these amazing rates this season!
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2025 Or Newer
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 84 Months
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
4.94%
60 months
▼
APR4.94%
Term60 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2024-2022
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 72 Months
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.04%
72 months
▼
APR5.04%
Term72 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.19%
84 months
▼
APR5.19%
Term84 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
48 Months
▼
APR5.34%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.44%
36 Months
▼
APR5.44%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2021-2019
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 72 Months
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.54%
60 Months
▼
APR5.54%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.64%
48 Months
▼
APR5.64%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2018 or Older
5.99%
48 Months
▼
APR5.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
6.09%
48 months
▼
APR6.09%
Term48 months
Last UpdatedMay 20, 2026
Details
As Low As
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
6.19%
60 months
▼
APR6.19%
Term60 months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans
7.00%
Up to 120 Months
▼
APR7.00%
TermUp to 120 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2025 or Newer
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
7.49%
48 months
▼
APR7.49%
Term48 months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2024-2022
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
8.25%
72 Months
▼
APR8.25%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2021-2019
Journey Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.54%
1400 2nd Ave, Des Moines, IA, 50314 3403
Automobiles
8.39%
36 months
▼
APR8.39%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loan
8.75%
48 Months
▼
APR8.75%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; 2018 or Older
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMay 23, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
APR4.74%
Term24-60
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 18, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
DuTrac Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Auto Loans
4.80%
84 Months
▼
APR4.80%
Term84 Months
Last UpdatedMay 20, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
2022 Auto Loan
4.84%
Up to 60
▼
APR4.84%
TermUp to 60
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMay 23, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 20, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
2022 Auto Loan
4.94%
72 Months
▼
APR4.94%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 31, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
60-month Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMay 23, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
2022 Auto Loan
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMay 20, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Vehicle Loan
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMay 23, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Auto Loan
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMay 23, 2026
Details
As Low As
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMay 29, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
APR5.49%
Term24-48
Last UpdatedMay 18, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.56%
66 months
▼
APR5.56%
Term66 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.58%
60 months
▼
APR5.58%
Term60 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
Auto Loans - New vehicles only
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 31, 2026
Details
As Low As; New, never before titled vehicle. Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05.
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.61%
48 months
▼
APR5.61%
Term48 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.67%
36 months
▼
APR5.67%
Term36 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
APR5.74%
Term24-48
Last UpdatedMay 18, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
5.74%
24-63
▼
APR5.74%
Term24-63
Last UpdatedMay 21, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
2020-2027 Vehicle Loans
5.74%
24-48
▼
APR5.74%
Term24-48
Last UpdatedMay 22, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
New Vehicles Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2024 Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2025 Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Auto Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Age of Vehicle: 2025-New
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
▼
APR5.79%
Term66-72
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2023 Loan
5.94%
66 Months
▼
APR5.94%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedMay 23, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
New Vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2024 Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2025 Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2022 Loan
6.09%
66 Months
▼
APR6.09%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
Auto Loans - 6 years old or older
6.12%
48 Months or less
▼
APR6.12%
Term48 Months or less
Last UpdatedMay 31, 2026
Details
As Low As; Used vehicle 6 years or older. 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.
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2021 Loan
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2023 to 2017
6.23%
60 months
▼
APR6.23%
Term60 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
APR6.24%
Term24-48
Last UpdatedMay 18, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
6.24%
64-75
▼
APR6.24%
Term64-75
Last UpdatedMay 21, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2023 to 2017
6.26%
48 months
▼
APR6.26%
Term48 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan
6.29%
66-72
▼
APR6.29%
Term66-72
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2023 Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2023 to 2017
6.32%
36 months
▼
APR6.32%
Term36 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan Loyalty
6.34%
73-84
▼
APR6.34%
Term73-84
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2019 Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
6.49%
85-120
▼
APR6.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
APR6.49%
Term24-48
Last UpdatedMay 18, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2020 Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2022 Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2018 Loan
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2017 Loan
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2018 Loan
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2019 Loan
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2017 Loan
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
2025 - 2024 Auto Loan
6.84%
73-84
▼
APR6.84%
Term73-84
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan
6.94%
Up to 66 Months
▼
APR6.94%
TermUp to 66 Months
Last UpdatedMay 22, 2026
Details
2020-2027
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
6.99%
0 - 60
▼
APR6.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
Auto Loan
7.24%
76-84
▼
APR7.24%
Term76-84
Last UpdatedMay 21, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
▼
APR7.34%
Term60 Months
Last UpdatedMay 17, 2026
Details
Up to 60 months
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months Relationship Rate
7.34%
Up to 48 Months
▼
APR7.34%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan
7.44%
67-75 Months
▼
APR7.44%
Term67-75 Months
Last UpdatedMay 22, 2026
Details
As Low As; Model Year 2020-2027 Motorcycles Only Over $20,000
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months Relationship Rate
7.54%
60 Months
▼
APR7.54%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
Up to 48 Months
▼
APR7.59%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
APR7.74%
Term3 Years
Last UpdatedMay 20, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
▼
APR7.79%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2016 or Older
7.89%
36 months
▼
APR7.89%
Term36 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
7.99%
61 - 72
▼
APR7.99%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
APR7.99%
Term4 Years
Last UpdatedMay 20, 2026
Details
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.29%
36 Months
▼
APR8.29%
Term36 Months
Last UpdatedJun 3, 2026
Details
Special APR as low as*; 5.97%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.32%
24 Months
▼
APR8.32%
Term24 Months
Last UpdatedJun 3, 2026
Details
Special APR as low as*; 5.95%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.47%
48 Months
▼
APR8.47%
Term48 Months
Last UpdatedJun 3, 2026
Details
Special APR as low as*; 6.06%
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2016-2018 Auto Loan
8.49%
24-63
▼
APR8.49%
Term24-63
Last UpdatedMay 21, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2016 & Older Vehicles Loan
8.49%
36 Months
▼
APR8.49%
Term36 Months
Last UpdatedMay 23, 2026
Details
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.59%
12 Months
▼
APR8.59%
Term12 Months
Last UpdatedJun 3, 2026
Details
Special APR as low as*; 6.18%
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.68%
60 Months
▼
APR8.68%
Term60 Months
Last UpdatedJun 3, 2026
Details
Special APR as low as*; 6.17%
APR8.74%
Term24-36
Last UpdatedMay 18, 2026
Details
As Low As
Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.78%
2016 & Older Vehicles Loan
8.74%
42 Months
▼
APR8.74%
Term42 Months
Last UpdatedMay 23, 2026
Details
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2016 & Older Loan
8.74%
36 Months
▼
APR8.74%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan
8.94%
Up to 66 Months
▼
APR8.94%
TermUp to 66 Months
Last UpdatedMay 22, 2026
Details
2006-2019
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
8.99%
73 - 84
▼
APR8.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.20%
2016-2018 Auto Loan
8.99%
64-75
▼
APR8.99%
Term64-75
Last UpdatedMay 21, 2026
Details
As Low As
APR9.24%
Term24-36
Last UpdatedMay 18, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 months
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedJun 3, 2026
Details
As Low As*
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
9.62%
24 Months
▼
APR9.62%
Term24 Months
Last UpdatedJun 3, 2026
Details
As Low As*
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
9.77%
48 Months
▼
APR9.77%
Term48 Months
Last UpdatedJun 3, 2026
Details
As Low As*
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
9.90%
12 Months
▼
APR9.90%
Term12 Months
Last UpdatedJun 3, 2026
Details
As Low As*
First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
9.98%
60 Months
▼
APR9.98%
Term60 Months
Last UpdatedJun 3, 2026
Details
As Low As*
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan
10.44%
67-75 Months
▼
APR10.44%
Term67-75 Months
Last UpdatedMay 22, 2026
Details
As Low As; Model Year 2006-2019 Motorcycles Only Over $20,000
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan
10.94%
76-84 Months
▼
APR10.94%
Term76-84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Model Year 2025-2027 Only Over $25,000
R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.26%
Vehicle Loan Only
10.94%
76-84 Months
▼
APR10.94%
Term76-84 Months
Last UpdatedMay 22, 2026
Details
Over $25,000; 2025-2027
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: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
▼
APR4.09%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2025 Or Newer
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 84 Months
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
▼
APR4.79%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
3.99%
0 - 60
▼
APR3.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 18, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
4.10%
0-36
▼
APR4.10%
Term0-36
Last UpdatedMay 23, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 36 Months
4.15%
36 Months
▼
APR4.15%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 48 Months
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
4.49%
61 - 72
▼
APR4.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 60 Months
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 18, 2026
Details
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
4.85%
37-63
▼
APR4.85%
Term37-63
Last UpdatedMay 23, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 72 Months
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMay 20, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 31, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
4.99%
73 - 84
▼
APR4.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
New Autos & Trucks 84 Months
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
5.05%
64-75
▼
APR5.05%
Term64-75
Last UpdatedMay 23, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
▼
APR5.15%
Term84 Months
Last UpdatedMay 20, 2026
Details
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
New Auto (2025-Newer)
5.25%
76-84
▼
APR5.25%
Term76-84
Last UpdatedMay 23, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
New Auto Loan
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.59%
New Vehicle Loans
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMay 29, 2026
Details
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
New Vehicle 2025 - Newer
5.49%
85-120
▼
APR5.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.56%
66 months
▼
APR5.56%
Term66 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.58%
60 months
▼
APR5.58%
Term60 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Marine Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.06%
Auto Loans - New vehicles only
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 31, 2026
Details
As Low As; New, never before titled vehicle. Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05.
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.61%
48 months
▼
APR5.61%
Term48 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loan 2024 or Newer
5.67%
36 months
▼
APR5.67%
Term36 months
Last UpdatedJun 4, 2026
Details
Annual Percentage Rate (APR) as low as*
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
New Vehicles Loan
5.74%
66 months
▼
APR5.74%
Term66 months
Last UpdatedMay 30, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
▼
APR5.79%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; Age of Vehicle: 2025-New
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
New Vehicles Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMay 30, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Powered by
MonitorBankRates
Des Moines Used 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: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
▼
APR4.84%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
▼
APR4.94%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
▼
APR5.04%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
48 Months
▼
APR5.34%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.44%
36 Months
▼
APR5.44%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.54%
60 Months
▼
APR5.54%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.64%
48 Months
▼
APR5.64%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
72 Months
▼
APR5.64%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.54%
36 Months
▼
APR7.54%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.74%
48 Months
▼
APR7.74%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.25%
Up to 24 Months
▼
APR4.25%
TermUp to 24 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.30%
48 Months
▼
APR4.30%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.49%
Up to 60
▼
APR4.49%
TermUp to 60
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.50%
Up to 36 Months
▼
APR4.50%
TermUp to 36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.55%
60 Months
▼
APR4.55%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.74%
61 - 72
▼
APR4.74%
Term61 - 72
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.74%
61-72 Months
▼
APR4.74%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
4.75%
Up to 48 Months
▼
APR4.75%
TermUp to 48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
4.80%
72 Months
▼
APR4.80%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.84%
84 Months
▼
APR4.84%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.89%
Up to 60 Months
▼
APR4.89%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.94%
84 Months
▼
APR4.94%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Relationship Rate
Citizens Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New & Used Vehicle Loans
4.95%
24 Months
▼
APR4.95%
Term24 Months
Last UpdatedMay 31, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
4.99%
0 - 60
▼
APR4.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks
4.99%
73-84
▼
APR4.99%
Term73-84
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
4.99%
61-72 Months
▼
APR4.99%
Term61-72 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.00%
Up to 60 Months
▼
APR5.00%
TermUp to 60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 10.64%
Used Autos & Trucks
5.05%
84 Months
▼
APR5.05%
Term84 Months
Last UpdatedMay 18, 2026
Details
As Low As
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.09%
84 Months
▼
APR5.09%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail
Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New & Used Auto Loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; 100% of NADA Retail (RTL)
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 49 - 60 Months
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.25%
Up to 72 Months
▼
APR5.25%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
5.40%
0-63
▼
APR5.40%
Term0-63
Last UpdatedMay 23, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2020-2022 61 - 72 Months
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.10%
New or Used Vehicles Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan Loyalty
5.59%
65 Months
▼
APR5.59%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2024 Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2025 Loan
5.74%
66 Months
▼
APR5.74%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Lee County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
Used Auto Loan
5.75%
Up to 72 Months
▼
APR5.75%
TermUp to 72 Months
Last UpdatedJun 4, 2026
Details
As Low As; Rates may vary based on creditworthiness and loan term.
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 Up to 36 Months
5.79%
36 Months
▼
APR5.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2023 Loan
5.94%
66 Months
▼
APR5.94%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
5.95%
64-75
▼
APR5.95%
Term64-75
Last UpdatedMay 23, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 17, 2026
Details
Up to 72 months
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2024 Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2025 Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 37-48 Months
6.04%
48 Months
▼
APR6.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
New 2026 & New/Used 2026 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2024 - 2023 Auto Loan
6.09%
65 Months
▼
APR6.09%
Term65 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2022 Loan
6.09%
66 Months
▼
APR6.09%
Term66 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2021 Loan
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2017-2019 49-60 Months
6.29%
60 Months
▼
APR6.29%
Term60 Months
Last UpdatedMay 18, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2020 Loan
6.29%
48 Months
▼
APR6.29%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2023 Loan
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan Loyalty
6.34%
84 Months
▼
APR6.34%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Used Auto (2017-2024)
6.35%
76-84
▼
APR6.35%
Term76-84
Last UpdatedMay 23, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2019 Loan
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2018 - 2024
6.49%
85-120
▼
APR6.49%
Term85-120
Last UpdatedMay 10, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2020 Loan
6.49%
72 Months
▼
APR6.49%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2022 Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2018 Loan
6.59%
48 Months
▼
APR6.59%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2017 Loan
6.69%
48 Months
▼
APR6.69%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2018 Loan
6.69%
60 Months
▼
APR6.69%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2019 Loan
6.74%
72 Months
▼
APR6.74%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2017 Loan
6.79%
60 Months
▼
APR6.79%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.75%
Used 2023 - 2022 Auto Loan
6.84%
84 Months
▼
APR6.84%
Term84 Months
Last UpdatedMay 23, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
6.99%
0 - 60
▼
APR6.99%
Term0 - 60
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
▼
APR7.34%
Term60 Months
Last UpdatedMay 17, 2026
Details
Up to 60 months
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
7.79%
36 Months
▼
APR7.79%
Term36 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
7.99%
61 - 72
▼
APR7.99%
Term61 - 72
Last UpdatedMay 10, 2026
Details
As Low As
Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
New & Used Autos/Trucks Model Years 2016 and older
8.04%
48 Months
▼
APR8.04%
Term48 Months
Last UpdatedMay 18, 2026
Details
As Low As; Up to 100% financing available
First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.22%
Used Vehicles 2016 & Older Loan
8.74%
36 Months
▼
APR8.74%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As
Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Used Vehicle 2017 - Older
8.99%
73 - 84
▼
APR8.99%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As
QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
▼
APR9.59%
Term36 Months
Last UpdatedMay 17, 2026
Details
Up to 36 months
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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
5.040%
▼ 0.056 vs 7 days ago
Iowa new auto rates fell 0.056 points over the past 7 days to 5.040% APR.
Used Auto Loan — IA Avg
6.213%
Unchanged vs 7 days ago
Iowa used auto loan rates currently average 6.213% APR.
As of Jun 4, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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.
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:
- Serve Credit Union: 4.09% (NEW VEHICLES 2025 & Newer)
- Financial Plus Credit Union: 4.49% (Auto Loans)
- First Class Community Credit Union: 4.49% (Auto Loans 2025 Or Newer)
- Journey Credit Union: 4.94% (Automobiles)
- Cent Credit Union: 3.99% (New Vehicle 2025 - Newer)
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: June 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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