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Auto Loan Rates in West Des Moines, Iowa (IA) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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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| i Editorial Disclosure
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 West Des Moines, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: April 19, 2026

Current auto loan rates in West Des Moines, Iowa include First Class Community Credit UnionFirst Class Community Credit Union2051 Westown Pkwy, West Des Moines, IA, 50265 1541A+5.0 ★Texas Ratio: 1.71% offering Auto Loans 2024 Or Newer at 4.49%, Financial Plus Credit UnionFinancial Plus Credit Union1831 25th St, West Des Moines, IA, 50266 1416A+5.0 ★Texas Ratio: 2.04% offering Auto Loans at 4.49%, Midwest Heritage BankMidwest Heritage Bank3580 Ep True Pkwy, West Des Moines, IA, 50265A+5.0 ★Texas Ratio: 0.99% offering Auto Loan at 5.58%, Power Co-Op Employees Credit UnionPower Co-Op Employees Credit UnionB+4.8 ★Texas Ratio: 17.87% offering PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING FOR 23 MONTHS at 2.49%, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Vehicle 2025 - Newer at 3.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

West Des Moines has 3 local institutions in our database, with auto loan rates as low as 4.49% APR from First Class Community Credit Union at 2051 Westown Pkwy, West Des Moines, IA, 50265 1541. 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 West Des Moines, Iowa. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in West Des Moines, Iowa & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Financial Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
1831 25th St, West Des Moines, IA, 50266 1416
Auto Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Drive into these amazing rates this season!

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2023-2021
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2020-2018
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
5.58%
60 Months
View
▼
APR5.58%
Term60 Months
Last UpdatedApr 16, 2026
Details

2022 or Newer

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2017 or Older
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
6.38%
48 Months
View
▼
APR6.38%
Term48 Months
Last UpdatedApr 16, 2026
Details

2019 - 2021

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
8.73%
36 Months
View
▼
APR8.73%
Term36 Months
Last UpdatedApr 16, 2026
Details

2016 - 2018

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
3580 Ep True Pkwy, West Des Moines, IA, 50265
Auto Loan
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedApr 16, 2026
Details

2015 - 2011

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedApr 19, 2026
Details

As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loans
4.39%
60 Months
View
▼
APR4.39%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 60 months

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Members Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.40%
60-month Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
4.99%
24-60
View
▼
APR4.99%
Term24-60
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedApr 19, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48 Months
View
▼
APR5.74%
Term24-48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedApr 19, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Age of Vehicle: 2025-New

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan Loyalty
5.79%
66-72
View
▼
APR5.79%
Term66-72
Last UpdatedApr 18, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
5.94%
66 Months
View
▼
APR5.94%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedApr 19, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedApr 17, 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
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

Up to 72 months

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
5.99%
24-48
View
▼
APR5.99%
Term24-48
Last UpdatedApr 19, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.09%
66 Months
View
▼
APR6.09%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2020 - 2018 Loyalty
6.14%
60 Months
View
▼
APR6.14%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2021
6.19%
48 Months
View
▼
APR6.19%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.29%
48 Months
View
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan
6.29%
66-72
View
▼
APR6.29%
Term66-72
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017 Loyalty
6.29%
61-66
View
▼
APR6.29%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan Loyalty
6.34%
73-84
View
▼
APR6.34%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
View
▼
APR6.38%
Term72 Months
Last UpdatedApr 16, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2023-2025 Auto Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 16, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.53%
60 Months
View
▼
APR6.53%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.04%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017 Loyalty
6.54%
67-72
View
▼
APR6.54%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.59%
48 Months
View
▼
APR6.59%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.62%
36 Months
View
▼
APR6.62%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.64%
61-66
View
▼
APR6.64%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.14%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2020 - 2018
6.64%
60 Months
View
▼
APR6.64%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.69%
48 Months
View
▼
APR6.69%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.69%
60 Months
View
▼
APR6.69%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.74%
72 Months
View
▼
APR6.74%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.74%
67-72
View
▼
APR6.74%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.24%

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
6.74%
24-48
View
▼
APR6.74%
Term24-48
Last UpdatedApr 19, 2026
Details

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.79%
60 Months
View
▼
APR6.79%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017
6.79%
61-66
View
▼
APR6.79%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
2025 - 2024 Auto Loan
6.84%
73-84
View
▼
APR6.84%
Term73-84
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2020 - 2022 Auto Loan
7.00%
48 Months
View
▼
APR7.00%
Term48 Months
Last UpdatedApr 16, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017
7.04%
67-72
View
▼
APR7.04%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2020-2027
7.19%
66 Months
View
▼
APR7.19%
Term66 Months
Last UpdatedApr 18, 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
View
▼
APR7.34%
Term60 Months
Last UpdatedApr 17, 2026
Details

Up to 60 months

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months Relationship Rate
7.34%
48 Months
View
▼
APR7.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months Relationship Rate
7.54%
60 Months
View
▼
APR7.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
48 Months
View
▼
APR7.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.74%
3 Years
View
▼
APR7.74%
Term3 Years
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
View
▼
APR7.79%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.99%
4 Years
View
▼
APR7.99%
Term4 Years
Last UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
8.04%
37-48
View
▼
APR8.04%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2016 or Older
8.20%
36 Months
View
▼
APR8.20%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2016 - 2019 Auto Loan
8.38%
36 Months
View
▼
APR8.38%
Term36 Months
Last UpdatedApr 16, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2016 & Older Vehicles
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
8.54%
37-48
View
▼
APR8.54%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2016 & Older
8.74%
36 Months
View
▼
APR8.74%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Metco Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2016 & Older Vehicles
8.74%
42 Months
View
▼
APR8.74%
Term42 Months
Last UpdatedApr 18, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2006-2019
9.19%
66 Months
View
▼
APR9.19%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Ascentra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Vehicle Loan
9.24%
24-36
View
▼
APR9.24%
Term24-36
Last UpdatedApr 19, 2026
Details

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
View
▼
APR9.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Up to 36 months

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
9.69%
49-60
View
▼
APR9.69%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
10.19%
49-60
View
▼
APR10.19%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan 2025-2027 Only
11.19%
84 Months
View
▼
APR11.19%
Term84 Months
Last UpdatedApr 18, 2026
Details

Over $25,000; As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
2051 Westown Pkwy, West Des Moines, IA, 50265 1541
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedApr 19, 2026
Details

As Low As; *FOR QUALIFED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedApr 19, 2026
Details

As Low As

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedApr 18, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedApr 18, 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
View
▼
APR5.79%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As; Age of Vehicle: 2025-New

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
New Vehicles
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
View
▼
APR6.38%
Term72 Months
Last UpdatedApr 16, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 Up to 60 Months
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 61 - 72 Months
4.74%
72 Months
View
▼
APR4.74%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $18,001 or more

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Members1st Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.76%
New & Used Autos/Trucks Model Years 2023-2026 73-84 Months
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% financing available; Loan must be $30,001 or more & mileage under 25,000 miles

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan Loyalty
5.59%
65 Months
View
▼
APR5.59%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.74%
66 Months
View
▼
APR5.74%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
5.94%
66 Months
View
▼
APR5.94%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedApr 19, 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
View
▼
APR5.99%
Term72 Months
Last UpdatedApr 17, 2026
Details

Up to 72 months

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2024
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2025
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.09%
66 Months
View
▼
APR6.09%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
New 2026 & New or Used 2026 Auto Loan
6.09%
65 Months
View
▼
APR6.09%
Term65 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2020 - 2018 Loyalty
6.14%
60 Months
View
▼
APR6.14%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2021
6.19%
48 Months
View
▼
APR6.19%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.29%
48 Months
View
▼
APR6.29%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2023
6.29%
84 Months
View
▼
APR6.29%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017 Loyalty
6.29%
61-66
View
▼
APR6.29%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedApr 19, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2020
6.49%
72 Months
View
▼
APR6.49%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2022
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.54%
60 Months
View
▼
APR6.54%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.04%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017 Loyalty
6.54%
67-72
View
▼
APR6.54%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.59%
48 Months
View
▼
APR6.59%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.64%
61-66
View
▼
APR6.64%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.14%

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2020 - 2018
6.64%
60 Months
View
▼
APR6.64%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.69%
48 Months
View
▼
APR6.69%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2018
6.69%
60 Months
View
▼
APR6.69%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2019
6.74%
72 Months
View
▼
APR6.74%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used 2022 - 2021 Auto Loan
6.74%
67-72
View
▼
APR6.74%
Term67-72
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty APR as low as: 6.24%

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2017
6.79%
60 Months
View
▼
APR6.79%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017
6.79%
61-66
View
▼
APR6.79%
Term61-66
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2019 - 2017
7.04%
67-72
View
▼
APR7.04%
Term67-72
Last UpdatedApr 18, 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
View
▼
APR7.34%
Term60 Months
Last UpdatedApr 17, 2026
Details

Up to 60 months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
7.99%
36 Months
View
▼
APR7.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
8.04%
37-48
View
▼
APR8.04%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
8.54%
37-48
View
▼
APR8.54%
Term37-48
Last UpdatedApr 18, 2026
Details

As Low As

First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.07%
Used Vehicles 2016 & Older
8.74%
36 Months
View
▼
APR8.74%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 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
View
▼
APR9.59%
Term36 Months
Last UpdatedApr 17, 2026
Details

Up to 36 months

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older Loyalty
9.69%
49-60
View
▼
APR9.69%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

Cobalt Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.59%
Used Auto Loan 2017 and older
10.19%
49-60
View
▼
APR10.19%
Term49-60
Last UpdatedApr 18, 2026
Details

As Low As

West Des Moines, IA Auto Loan Rate Trends

Compare local West 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.

View Full Iowa Auto Trends →
New Auto Loan — IA Avg
5.074%
▼ 0.021 vs 7 days ago

Iowa new auto rates fell 0.021 points over the past 7 days to 5.074% APR.

Used Auto Loan — IA Avg
6.404%
▲ 0.018 vs 7 days ago

Iowa used auto rates rose 0.018 points over the past 7 days to 6.404% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in West 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 West 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 West 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 West Des Moines, Iowa?

Based on our current data, some of the lowest auto loan rates available in West Des Moines, Iowa include:
  • First Class Community Credit Union: 4.49% (Auto Loans 2024 Or Newer)
  • Financial Plus Credit Union: 4.49% (Auto Loans)
  • Midwest Heritage Bank: 5.58% (Auto Loan)
  • Power Co-Op Employees Credit Union: 2.49% (PCCU PREMIER SPECIAL*-- NEW VEHICLE FINANCING FOR 23 MONTHS)
  • Cent Credit Union: 3.99% (New Vehicle 2025 - Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in West Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

West Des Moines, Iowa Rates & Resources

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