Current auto loan rates in Kansas City, Kansas include Mainstreet Federal Credit UnionMainstreet Federal Credit Union8245 State Ave, Kansas City, KS, 66112A+5.0 ★Texas Ratio: 1.79% offering New & Used Vehicle at 4.99%, KUMC Credit UnionKUMC Credit Union3901 Rainbow Blvd, Kansas City, KS, 66160A+5.0 ★Texas Ratio: 0.09% offering New Vehicle at 5.10%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union7714 State Ave, Kansas City, KS, 66112B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%, Midwest Regional Credit UnionMidwest Regional Credit Union7240 STATE AVE, KANSAS CITY, KS, 66112A+5.0 ★Texas Ratio: 2.52% offering Auto Loan at 6.55%, Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 2.10% offering NEW Auto 2025-2026 Mileage Under 10,000 Tier A+ at 2.00%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Kansas City has 4 local institutions in our database, with auto loan rates as low as 4.99% APR from Mainstreet Federal Credit Union at 8245 State Ave, Kansas City, KS, 66112. 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 Kansas City, Kansas. Auto Loan Rates Last Updated and Verified: April 19, 2026
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
As Low As
As Low As
As Low As; APR - 2026 & Newer
Model Year: 2024-2026 (New or Used)
As Low As; APR - 2026 & Newer
As Low As
As Low As; APR - 2023 - 2025*
As Low As
As Low As
Model Year: 2024-2026 (New or Used)
As Low As
As Low As; APR - 2023 - 2025*
As Low As
Model Year: 2024-2026 (New or Used)
As Low As
As Low As; Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
As Low As
As Low As
Model Year: 2024-2026 (New or Used)
As Low As
As Low As
Model Year: 2022-2023
As Low As
As Low As; APR - 2023 - 2025*
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
Model Year: 2022-2023
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
Model Year: 2022-2023
As Low As
As Low As
As Low As
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
Model Year: 2016-2021
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
Model Year: 2024-2026 (New or Used)
As Low As
Model Year: 2016-2021
for $40K+
Up to 36 Months
Up to 48 Months
Up to 60 Months
for $40K+
Model Year: 2022-2023
Up to 36 Months
Up to 48 Months
Up to 60 Months
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
As Low As
As Low As
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
for $40K+
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 36 Months
Up to 48 Months
Up to 60 Months
for $40K+
Up to 36 Months
Up to 48 Months
Up to 60 Months
Compare local Kansas City, KS 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 0.305 points over the past 7 days to 6.545% APR.
Kansas used auto rates fell 0.852 points over the past 7 days to 7.259% APR.