Mulberry, Kansas Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Mulberry, Kansas include Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 2.82% offering NEW Auto 2025-2026 Mileage Under 10,000 at 2.00%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loan at 3.64%, Bell Credit UnionBell Credit UnionB+4.8 ★Texas Ratio: 17.28% offering 2026-2025 New Vehicles Loan at 3.75%, First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 3.56% offering Auto Loan at 3.99%, Corporate America Family Credit UnionCorporate America Family Credit UnionA+5.0 ★Texas Ratio: 5.59% offering New Auto at 4.49%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Mulberry borrowers have access to 37 lenders serving the Kansas area, with auto loan rates as low as 2.00% APR from Cooperative Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Mulberry, Kansas. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Mulberry, Kansas & Surrounding Area
Mulberry Auto Loan Rates
Tier A+: 2.00%
Tier A+: 3.50%
As Low As; 2025 & Newer
Tier A: 3.75%
Tier A+: 3.75%
Credit Grade: A
As Low As
Tier A: 4.00%
Tier A+: 4.00%
Credit Grade: A
As Low As; 2025 & Newer
Tier A+: 4.25%
Tier A: 4.25%
Credit Grade: A
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
As Low As; Payment/$1,000: $23
As Low As; 2021 - 2026 Models
Tier A+: 4.50%
As Low As; $25,000 minimum value for terms up to 72 months, $35,000 minimum value for terms up to 84 months
Credit Grade: A
As Low As
As Low As; 2022 - 2024*
Lowest rate possible for qualified borrowers based on credit background. Includes .25% discount with automatic payments and e-statements enrollment. Example: $20,000 @ 4.65% for 60 months is an estimated monthly payment of $374.49. Rates for longer terms up to 84 months available. Please ask a loan officer for more details and information. Effective date 5-1-2026.
As Low As
Ex: $15,000 @ 4.49% for 60 months = $280.00
As low as
As low as
As Low As; Payment/$1,000: $19
As Low As; Payment/$1,000: $16
As Low As; 2021 - 2026 Models
As Low As; 2021 - 2026 Models
Tier A: 4.75%
Tier B: 4.75%
As Low As; $25,000 minimum value
Credit Grade: A
As Low As
Additional APR listed for this product: 6.20%, 8.75%.
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
Additional APR listed for this product: 6.45%, 9.00%.
Additional APR listed for this product: 6.70%, 9.25%.
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
As Low As; Model Year: New to 2016
Model Year: 2026-2027 (New or Used)
Model Year: 2026-2027 (New or Used)
As Low As; Model Year: 2016 and Older
As Low As; Model Year: 2021 to 2017
New- 2025 - 2027 model
As Low As;*
Tier A: 5.00%
Tier B: 5.00%
Tier A: 5.00%
Additional APR listed for this product: 6.95%, 9.50%.
As Low As; Rates may have additional adjustments for higher mileage, older year model are also available
Credit Grade: A
Credit Grade: A
Additional APR listed for this product: 7.20%, 9.75%.
As Low As; Model Year: 2025-2026
As Low As; Model Year: 2024
As Low As; Model Year: 2020-2022
**Conditions apply
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Auto loan payment example: $20,000 at 5.24% for 60 months=$379.63 per month. Other rates and terms available.
As Low As
Ex: $21,000 @ 4.99% for 72 months = $339.00
Tier B: 5.25%
Tier A+
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Year: 2018-2019
Model Year: 2026-2027 (New or Used)
As Low As; Model Years: 2022 & Newer
As Low As; Model Year: New to 2016
Effective October 1, 2025: 2026-2023
As Low As;*
Tier B: 5.50%
Tier A+
As Low As; Rates may have additional adjustments for higher mileage, older year model are also available
100% of sticker price may be financed.
Credit Grade: A
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
Ex: $26,000 @ 5.49% for 84 months = $371.00
As Low As;*
Tier B: 5.75%
Tier A
Tier A+
100% of sticker price may be financed.
Credit Grade: A
Additional APR listed for this product: 8.60%. Credit Rating: 1
Additional APR listed for this product: 8.65%. Credit Rating: 1
Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
As Low As; Model Year: 2017 & older
Additional APR listed for this product: 8.70%. Credit Rating: 1
Model Year: 2026-2027 (New or Used)
As low as
As Low As; Payment/$1,000: $31
As Low As; 2017 - 2020 Models
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
As Low As; Model Years: 2018-2021
As Low As; Model Year: New to 2016
Tier B: 6.00%
Tier A
Tier A+
Credit Rating: 1
As Low As; $25,000 minimum value; Rates may have additional adjustments for higher mileage, older year model are also available
100% of sticker price may be financed.
*72 Months only if auto has never been titled
*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
Published APR range: 6.02%-10.84%; Published rate range: 5.55%-10.35%.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: 1
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; 2022 - 2024*
Published APR range: 6.16%-10.98%; Published rate range: 5.55%-10.35%.
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $15,000
As Low As
Model Years: 2022-2025; Loans are currently only available to borrowers in the Kansas City metro area.
As low as
As low as
As Low As; Payment/$1,000: $24
over $40,000; As Low As; Payment/$1,000: $15
As Low As; 2021 - 2026 Models (over $40,000 list)
As Low As; 2017 - 2020 Models
Preowned- 2018 - 2026 model
Tier A+
Tier A+
Tier A
As Low As; $35,000 minimum value
Model Year: 2024-2025 (Used)
Model Year: 2025-2015; As Low As
Published APR range: 6.27%-11.10%; Published rate range: 5.80%-10.60%.
As low as
2016 - 2026
As low as
2018 - 2026
As low as
2022 - 2026
Model Year: 2026-2027 (New or Used)
Tier A+
Tier A
Additional APR listed for this product: 7.50%.
As low as
2023 - 2026
Published APR range: 6.57%-11.39%; Published rate range: 6.15%-10.95%. Min Vehicle Value: $30,000
Published APR range: 6.66%-11.48%; Published rate range: 6.05%-10.85%.
Model Years: 2022-2025; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
Tier A+
Tier A
Tier B
Model Year: 2024-2025 (Used)
Model Year: 2016-2023 (Used)
Credit Grade: A
Credit Grade: B
Additional APR listed for this product: 7.75%.
Published APR range: 6.77%-7.63%; Published rate range: 6.30%-7.15%. Min Vehicle Value: $20,000
Published APR range: 6.77%-7.62%; Published rate range: 6.40%-7.25%. Min Vehicle Value: $40,000
As Low As
As low as
As Low As; Payment/$1,000: $20
As Low As; 2017 - 2020 Models
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $20,000
As Low As
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. The contract rate (interest rate) will be higher if the payments are not automatically deducted each month from a checking account at Valley State Bank.
Model Years: 2018-2021; Loans are currently only available to borrowers in the Kansas City metro area.
As Low As;*
Tier A
Tier A+
Tier B
90% of sticker price may be financed on new auto loans for 84 month term.
Model Year: 2024-2025 (Used)
*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
Credit Grade: A
Mulberry New Auto Auto Loan Rates
Tier A+: 2.00%
Tier A+: 3.50%
Tier A: 3.75%
Tier A+: 3.75%
Credit Grade: A
Tier A: 4.00%
Tier A+: 4.00%
Credit Grade: A
Tier A+: 4.25%
Tier A: 4.25%
Credit Grade: A
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; 2021 - 2026 Models
Tier A+: 4.50%
As Low As; $25,000 minimum value for terms up to 72 months, $35,000 minimum value for terms up to 84 months
As Low As; 2021 - 2026 Models
As Low As; 2021 - 2026 Models
Tier A: 4.75%
Tier B: 4.75%
As Low As; $25,000 minimum value
Additional APR listed for this product: 6.20%, 8.75%.
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
Additional APR listed for this product: 6.45%, 9.00%.
Additional APR listed for this product: 6.70%, 9.25%.
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
As Low As; Model Year: New to 2016
As Low As; Model Year: 2016 and Older
As Low As; Model Year: 2021 to 2017
New- 2025 - 2027 model
As Low As;*
Tier A: 5.00%
Tier B: 5.00%
Tier A: 5.00%
Additional APR listed for this product: 6.95%, 9.50%.
Additional APR listed for this product: 7.20%, 9.75%.
**Conditions apply
As Low As
Tier B: 5.25%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Years: 2022 & Newer
As Low As; Model Year: New to 2016
Effective October 1, 2025: 2026-2023
Tier B: 5.50%
100% of sticker price may be financed.
As Low As
Tier B: 5.75%
100% of sticker price may be financed.
Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
As Low As; Model Year: New to 2016
Tier B: 6.00%
100% of sticker price may be financed.
*72 Months only if auto has never been titled
*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
Published APR range: 6.02%-10.84%; Published rate range: 5.55%-10.35%.
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As
Model Years: 2022-2025; Loans are currently only available to borrowers in the Kansas City metro area.
As Low As; 2021 - 2026 Models (over $40,000 list)
As Low As; $35,000 minimum value
As low as
As low as
As low as
As low as
Model Years: 2022-2025; Loans are currently only available to borrowers in the Kansas City metro area.
Credit Grade: B
Published APR range: 6.77%-7.62%; Published rate range: 6.40%-7.25%. Min Vehicle Value: $40,000
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. The contract rate (interest rate) will be higher if the payments are not automatically deducted each month from a checking account at Valley State Bank.
90% of sticker price may be financed on new auto loans for 84 month term.
*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
Mulberry Used Auto Auto Loan Rates
Credit Grade: A
Credit Grade: A
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
As Low As; Model Year: 2016 and Older
As Low As; Model Year: 2021 to 2017
Credit Grade: A
Credit Grade: A
Tier A+
As Low As; Model Years: 2022 & Newer
As Low As;*
Tier A+
Credit Grade: A
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As;*
Tier A
Tier A+
Credit Grade: A
Additional APR listed for this product: 8.60%. Credit Rating: 1
Additional APR listed for this product: 8.65%. Credit Rating: 1
Additional APR listed for this product: 8.70%. Credit Rating: 1
As Low As; 2017 - 2020 Models
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
As Low As; Model Years: 2018-2021
Tier A
Tier A+
Credit Rating: 1
Credit Rating: 1
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $15,000
As Low As; 2017 - 2020 Models
Tier A+
Tier A+
Tier A
2016 - 2026
2018 - 2026
2022 - 2026
Tier A+
Tier A
Additional APR listed for this product: 7.50%.
2023 - 2026
Tier A
Tier A+
Tier A
Tier B
Credit Grade: A
Additional APR listed for this product: 7.75%.
As Low As; 2017 - 2020 Models
As Low As; Model Years: 2018-2021; Minimum Loan Amount: $20,000
As Low As
Model Years: 2018-2021; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
Tier A+
Tier B
Credit Grade: A
Mulberry, KS Auto Loan Rate Trends
Compare local Mulberry, 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 0.277 points over the past 7 days to 6.615% APR.
Kansas used auto rates fell 0.430 points over the past 7 days to 7.934% APR.
Mulberry, KS 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 @ 6.61% APR KS average | Used Auto @ 7.93% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $294.30/mo | $303.67/mo | $9.37/mo |
| $25,000 | $490.50/mo | $506.12/mo | $15.62/mo |
| $35,000 | $686.70/mo | $708.57/mo | $21.87/mo |
| $45,000 | $882.89/mo | $911.02/mo | $28.12/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 Mulberry, Kansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Mulberry, 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 Mulberry, 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: Mulberry, 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 (state-level data shown; city data not available)
A $589 monthly car payment works out to roughly 16.4% of the median individual income in Kansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Mulberry, 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 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Mulberry, 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 Mulberry, 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 Mulberry, 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 Mulberry, 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.
Frequently Asked Questions about Auto Loans in Mulberry, 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 Mulberry, 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?
What are the best Auto Loan rates in Mulberry, Kansas?
- Cooperative Credit Union: 2.00% (NEW Auto 2025-2026 Mileage Under 10,000)
- Baxter Credit Union: 3.64% (Auto Loan)
- Bell Credit Union: 3.75% (2026-2025 New Vehicles Loan)
- First Service Credit Union: 3.99% (Auto Loan)
- Corporate America Family Credit Union: 4.49% (New Auto)
Mulberry, Kansas Rates & Resources
