Kansas Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Kansas auto loan rates range from 2.00% to 6.75% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Kansas include Cooperative Credit UnionCooperative Credit Union313 W 9th St, Coffeyville, KS, 67337 5813A+5.0 ★Texas Ratio: 4.60% offering New Auto Loan at 2.00%, Baxter Credit UnionBaxter Credit Union6860 W 115th St, Overland Park, KS, 66211 2457A5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Navy Federal Credit UnionNavy Federal Credit Union501 3rd Pl, Manhattan, KS, 66502 6155A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, First Service Credit UnionFirst Service Credit Union10910 W 87th St, Lenexa, KS, 66214 1603A+5.0 ★Texas Ratio: 4.24% offering Auto Loan at 3.99%, Farmway Credit UnionFarmway Credit Union200 S Hersey Ave, Beloit, KS, 67420A+5.0 ★Texas Ratio: 2.70% offering Titled Vehicle Loans at 4.40%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Kansas side-by-side. Kansas auto loan rates currently start as low as 2.00% APR from Cooperative Credit Union at 313 W 9th St, Coffeyville, KS, 67337 5813. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kansas. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Kansas
Kansas Auto Loan Rates
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000; Loan rates and terms vary depending on year and mileage of vehicle and credit score
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Monthly payment for 36 months is
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As low as
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Titled Vehicle Loans, Boats, Motorcycles, Recreational Vehicles and Campers, Watercraft, Snowmobiles; Rate/APR* as low as; Rates dependent on loan amount, collateral value, age of collateral, term and fees, and creditworthiness
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Model Year: 2021 - 2026 Models
As Low As; Model Year: 2021 - 2026 Models
Tier A+; Credit Score 730 +; LTV 125%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Loan amount/term qualifier: up to 60 months
As Low As
As Low As; Rates subject to change.
Effective 12/19/2024; All rates and terms are with approved credit; Origination Fee may apply
As Low As; Model Year: 2021 - 2026 Models
As Low As; Model Year: 2021 - 2026 Models
As Low As; Model Year: 2021 - 2026 Models
As Low As; Model Year: 2021 - 2026 Models
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; $25,000 minimum value
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
Credit Rating: 1; APR*
As Low As; Model Year: 2022 & Newer or previously untitled; Rates effective October 1, 2026
As Low As; New and used cars; Refinance an existing car loan at no cost; Rates effective October 1, 2026; Rates accurate as of 7/17/26
Credit Rating: 1; APR*
As Low As; Lowest rate possible for qualified borrowers based on credit background; includes .25% discount with automatic payments and e-statements enrollment; rates for longer terms up to 84 months available; APR to be determined
- Oct 9, 20264.90%▲ from 4.65%
- Sep 14, 20264.65%first recorded
Credit Rating: 1; APR*
As Low As; Model Year: 2022 & Newer or previously untitled; Rates effective October 1, 2026
As Low As*
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Effective 12/19/2024; All rates and terms are with approved credit; Origination Fee may apply
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 16.49%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Model Year: 2026-2027 (New or Used); Loan minimum: $10,000; Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2016 and Older; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As Low As; Rates stated as annual percentage rates; actual rates determined by credit worthiness and collateral
- Sep 17, 20265.00%▼ from 5.50%
- Sep 12, 20265.50%first recorded
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Credit Rating: 1; APR*
As Low As; Older vehicle (2017-2021 or over 60k miles)
Credit Rating: 1; APR*
Credit Rating: 1; APR*; Conditions apply
As low as
As Low As
As Low As; APR
- Sep 21, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Effective 12/19/2024; All rates and terms are with approved credit; Origination Fee may apply
Published APR range: 5.24% to 16.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As low as
- Oct 7, 20265.35%▲ from 5.10%
- Sep 15, 20265.10%first recorded
As low as
- Oct 7, 20265.35%▲ from 5.10%
- Sep 15, 20265.10%first recorded
As low as
- Oct 7, 20265.35%▲ from 5.10%
- Sep 15, 20265.10%first recorded
As low as
- Oct 7, 20265.35%▲ from 5.10%
- Sep 15, 20265.10%first recorded
As Low As; Model Year: 2016 - 2021; Rates effective October 1, 2026
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.37%▲ from 5.12%
- Sep 18, 20265.12%first recorded
As Low As
As Low As; Rates subject to change.
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
As Low As; Model Year: 2016 - 2021; Rates effective October 1, 2026
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As*
As Low As; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As; Older vehicle (2017-2021 or over 60k miles)
These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.60%▲ from 5.35%
- Sep 18, 20265.35%first recorded
As Low As; Model Year: 2022 & Newer or previously untitled; Rates effective October 1, 2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
As Low As; APR
- Sep 21, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As
- Sep 30, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
Effective 12/19/2024; Min loan amount $30,000 and mileage under 20,000; All rates and terms are with approved credit; Origination Fee may apply
As low as
- Oct 7, 20265.75%▲ from 5.40%
- Sep 15, 20265.40%first recorded
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier B; Credit Score 679-650; LTV 110%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Rate*; Min loan amount $30,000 and mileage under 20,000 (footnote applies to 73 - 84 Months auto rate; rate determined with approved credit)
These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As low as
As low as
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20265.84%▲ from 5.58%
- Sep 18, 20265.58%first recorded
Credit Rating: 1
Credit Rating: 1
Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%. Year: New - 2025
As low as
Credit Rating: 1
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
As Low As
As Low As*
As Low As
Additional APR listed for this product: 6.49%. As Low As; For 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Additional APR listed for this product: 7.50%.
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2017 - 2020 Models
As Low As; Model Year: 2017 - 2020 Models
Tier B; Credit Score 679-650; LTV 110%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Credit Rating: 1
As Low As; Older vehicle (2017-2021 or over 60k miles); $25,000 minimum value
$20,000 minimum; These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
Credit Grade: A; Loan over $35,000.00 or Tier A/B member; only if auto has never been titled; Loan rates last updated June, 2025
Credit Grade: A; only if auto has never been titled; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
Published APR range: 6.02%-10.84%; Published rate range: 5.55%-10.35%. Year: New - 2025
Credit Rating: 1
Loan Amount: $25,000; Payment Example:
As Low As; Model Year: 2016 - 2021; Rates effective October 1, 2026
Published APR range: 6.16%-10.98%; Published rate range: 5.55%-10.35%. Year: 2024 - 2020
Credit Rating: 2; APR*
- Oct 13, 20266.20%▲ from 4.85%
- Sep 14, 20264.85%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; APR
- Sep 21, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As
- Sep 30, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $20,000
As Low As; Model Years: 2018-2021
Published APR range: 6.24% to 11.24%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
New
As Low As; Model Year: 2021 - 2026 Models (over $40,000 list)
As Low As; Model Year: 2017 - 2020 Models
As Low As; Model Year: 2017 - 2020 Models
over $40,000; As Low As; Model Year: 2021 - 2026 Models (over $40,000 list)
Credit Tier: A+; Credit Score: 730+; LTV: 125%
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As; $35,000 minimum value
Model Year: 2024-2025 (Used); Effective Sept. 1, 2026
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Published APR range: 6.27%-11.10%; Published rate range: 5.80%-10.60%. Year: 2024 - 2020
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20266.33%▲ from 6.08%
- Sep 18, 20266.08%first recorded
As low as
2016 - 2026
As Low As; Loan Term; *Please call for rates on model years 2022 or older.
As low as
2018 - 2026
As low as
2022 - 2026
Credit Rating: 2; APR*
- Oct 13, 20266.45%▲ from 4.90%
- Sep 14, 20264.90%first recorded
As Low As
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $15,000
Model Year: 2026-2027 (New or Used); Loan minimum: $15,000; Effective Sept. 1, 2026
Credit Tier: A+; Credit Score: 730+; LTV: 125%
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Credit Grade: A; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
As low as
2023 - 2026
Published APR range: 6.57%-11.39%; Published rate range: 6.15%-10.95%. Year: 2024 - 2020. Min Vehicle Value: $30,000
As Low As; Lowest possible APR for qualified borrowers; credit score 750+; 2012 or newer model vehicle; $41,000 financed; Auto Loans
- Oct 9, 20266.58%▲ from 6.32%
- Sep 18, 20266.32%first recorded
As Low As; Model Year: 2022 & Newer or previously untitled; Rates effective October 1, 2026
Published APR range: 6.66%-11.48%; Published rate range: 6.05%-10.85%. Year: 2019 - 2011
Credit Rating: 2; APR*
- Oct 13, 20266.70%▲ from 4.95%
- Sep 14, 20264.95%first recorded
2022-2025
- Sep 18, 20266.75%▼ from 12.25%
- Sep 14, 202612.25%first recorded
Kansas New Auto Auto Loan Rates
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000; Loan rates and terms vary depending on year and mileage of vehicle and credit score
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As low as
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A+; Credit Score 730 +; LTV 125%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As
As Low As; Rates subject to change.
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Tier A+; Credit Score 730 +; LTV 125%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Loan amount/term qualifier: up to 60 months
As Low As
As Low As; Rates subject to change.
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; $25,000 minimum value
Credit Rating: 1; APR*
Credit Rating: 1; APR*
Credit Rating: 1; APR*
As Low As*
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 16.49%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2016 and Older; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
Credit Rating: 1; APR*
Credit Rating: 1; APR*
Credit Rating: 1; APR*; Conditions apply
As Low As; APR
- Sep 21, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 5.24% to 16.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.
- Oct 10, 20265.34%▲ from 5.14%
- Sep 18, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As*
As Low As; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
As Low As; APR
- Sep 21, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
Tier B; Credit Score 679-650; LTV 110%; Minimum loan: $15,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As low as
As low as
As Low As*
As Low As
As Low As; Rates subject to change.
Tier B; Credit Score 679-650; LTV 110%; Minimum loan: $25,000; Dealer Flat 200; Model Year: 2025-2026 New; Mileage Under 10,000
$20,000 minimum; These rates apply to new purchases only; 100% of sticker price may be financed for 36, 48, 60, and 72 month terms
Credit Grade: A; Loan over $35,000.00 or Tier A/B member; only if auto has never been titled; Loan rates last updated June, 2025
Credit Grade: A; only if auto has never been titled; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
Loan Amount: $25,000; Payment Example:
Credit Rating: 2; APR*
- Oct 13, 20266.20%▲ from 4.85%
- Sep 14, 20264.85%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; APR
- Sep 21, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $20,000
Published APR range: 6.24% to 11.24%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
New
As Low As; $35,000 minimum value
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As low as
As low as
As low as
Credit Rating: 2; APR*
- Oct 13, 20266.45%▲ from 4.90%
- Sep 14, 20264.90%first recorded
As low as
Credit Rating: 2; APR*
- Oct 13, 20266.70%▲ from 4.95%
- Sep 14, 20264.95%first recorded
- Sep 18, 20266.75%▼ from 12.25%
- Sep 14, 202612.25%first recorded
Kansas Used Auto Auto Loan Rates
As Low As
As Low As; Rates subject to change.
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 15.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
Published APR range: 4.99% to 16.49%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2016 and Older; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As low as
Published APR range: 5.24% to 16.99%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
As Low As; Auto Loans; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Credit Rating: 1
Credit Rating: 1
Credit Rating: 1
Additional APR listed for this product: 6.49%. As Low As; For 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Additional APR listed for this product: 7.50%.
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Credit Rating: 1
Credit Rating: 1
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $20,000
As Low As; Model Years: 2018-2021
Published APR range: 6.24% to 11.24%. Secured loan; rates based on loan term, creditworthiness, and collateral value; lowest rate contingent on Skyward checking account and automatic loan payments; RV, Camper, Boat: add 1% to the above stated APR
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less; APR = Annual Percentage Rate; auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment
Credit Tier: A+; Credit Score: 730+; LTV: 125%
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Tier: A+; Model Year: 2020-2026; Mileage between 10,000 and 60,000
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
2016 - 2026
2018 - 2026
2022 - 2026
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $15,000
Credit Tier: A+; Credit Score: 730+; LTV: 125%
Tier: A; Model Year: 2020-2026; Mileage between 10,000 and 60,000
Credit Grade: A; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
Credit Grade: A; Loan rates last updated June, 2025
2023 - 2026
Kansas Auto Loan Rate Trends
Compare local Kansas 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.
Kansas new auto rates fell 0.140 points over the past 7 days to 5.727% APR.
Kansas used auto rates rose 0.031 points over the past 7 days to 6.696% APR.
Kansas Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Kansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Kansas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.73% APR KS average | Used Auto @ 6.70% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.09/mo | $294.87/mo | $6.78/mo |
| $25,000 | $480.15/mo | $491.46/mo | $11.31/mo |
| $35,000 | $672.21/mo | $688.04/mo | $15.83/mo |
| $45,000 | $864.27/mo | $884.62/mo | $20.35/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Kansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Kansas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Kansas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Kansas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Kansas CD rates lock in a guaranteed return until you’re ready to buy
Kansas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $576 monthly car payment works out to roughly 16.0% of the median individual income in Kansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Kansas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Kansas. We’ve prefilled the APR with today’s KS new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Kansas 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 Kansas 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 Kansas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in KS.
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.
Bad Credit Auto Loans in Kansas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Kansas
How does my credit score affect my car loan rate in Kansas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Kansas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Kansas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Kansas?
- Cooperative Credit Union: 2.00% (New Auto Loan)
- Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- First Service Credit Union: 3.99% (Auto Loan)
- Farmway Credit Union: 4.40% (Titled Vehicle Loans)
Auto Loan Rates by City in Kansas
