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  7. Auto Loan Rate Trends

Missouri Best Auto Loan Rates - October 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 Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Missouri auto loan rates range from 3.49% to 5.84% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Missouri include Multi-States Credit UnionMulti-States Credit Union1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238A+5.0 ★Texas Ratio: 2.17% offering New Vehicles Loan at 3.49%, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Navy Federal Credit UnionNavy Federal Credit Union332 Marshall Dr, Saint Robert, MO, 65584A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, FRB Federal Credit UnionFRB Federal Credit UnionFEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102A5.0 ★Texas Ratio: 9.32% offering New Auto at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit Union1232 Wentzville Pkwy, Wentzville, MO, 63385 3868A-4.9 ★Texas Ratio: 16.06% offering New/Used Auto Loans at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Missouri side-by-side. Missouri auto loan rates currently start as low as 3.49% APR from Multi-States Credit Union at 1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Missouri. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Missouri

Jump to: All Auto Loans · New Auto · Used Auto

Missouri Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles Loan
3.49%
3 Years
View
▼
APR3.49%
Term3 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APRSep 29, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 13, 2026: 4.15% APROct 13, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.24%
30 months
View
▼
APR4.24%
Term30 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 22, 2026: 4.24% APRSep 22, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
663 W Highway 60, Monett, MO, 65708
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
49-60 months
View
▼
APR4.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
New Vehicle loan
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral

Rate History
1 change since Sep 17, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99%
3.49%4.14%4.79%Sep 17, 2026: 3.99% APROct 5, 2026: 4.29% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.29%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.29%
up to 36 months
View
▼
APR4.29%
Termup to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.30%
36 Month
View
▼
APR4.30%
Term36 Month
Last UpdatedOct 13, 2026
Details

As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026

Rate History
No change since Sep 14, 2026 · 4.30% APR · checked 6 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.39%
37-60 months
View
▼
APR4.39%
Term37-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
42 months
View
▼
APR4.49%
Term42 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 13, 2026
Details

2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2027/26/25/24/23 models
4.50%
36 months
View
▼
APR4.50%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2027/26/25/24/23 models
4.50%
48 months
View
▼
APR4.50%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 4.50% APR · checked 2 times
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
4.50%
48 months max term
View
▼
APR4.50%
Term48 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APROct 9, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.55%
48 Month
View
▼
APR4.55%
Term48 Month
Last UpdatedOct 13, 2026
Details

As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026

Rate History
No change since Sep 14, 2026 · 4.55% APR · checked 6 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 29, 2026: 4.60% APRSep 29, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
54 months
View
▼
APR4.74%
Term54 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 13, 2026
Details

2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
37-48 Months
View
▼
APR4.74%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
Up to 72 months
View
▼
APR4.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan - New or Used
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Type: New or Used

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2017 - 2024 Model Year
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2027/26/25/24/23 models
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 13, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Vehicle Loans - 2026 - 2023 Model Years
4.75%
Up to 84 Months
View
▼
APR4.75%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.75% - 9.75%. For loans $30,000+ will lend up to 84 Months; Interest rates are based on individual credit scores and are subject to change

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.79% APR · checked 5 times
4.29%4.79%5.29%Sep 16, 2026: 4.79% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.79% APR
4.29%4.79%5.29%Oct 13, 2026: 4.79% APROct 13, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
4.79%
Up to 36 Months
View
▼
APR4.79%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.79% APR
4.29%4.79%5.29%Oct 13, 2026: 4.79% APROct 13, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.80%
60 Month
View
▼
APR4.80%
Term60 Month
Last UpdatedOct 13, 2026
Details

As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026

Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 6 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2023 - 2024
4.84%
0 - 36 Months
View
▼
APR4.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 10, 2026: 4.84% APROct 10, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 4.85% APR
4.35%4.85%5.35%Oct 12, 2026: 4.85% APROct 12, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
4.89%
37-60 Months
View
▼
APR4.89%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO, 64131
Auto Loan
4.89%
Up to 84 months
View
▼
APR4.89%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

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

Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Term0-12 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Term13-24 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Term25-36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Term37-48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.64% → 4.99% ▲ 0.35 pts · high 4.99% / low 4.64%
4.14%4.81%5.49%Sep 14, 2026: 4.64% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Model Year: 2008 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026

Rate History
1 change since Sep 14, 2026 · 7.00% → 4.99% ▼ 2.01 pts · high 7.00% / low 4.99%
2.98%6.00%9.01%Sep 14, 2026: 7.00% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.99%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
78 months
View
▼
APR4.99%
Term78 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2027 (New or Used); Loan minimum: $10,000; Effective Sept. 1, 2026

Rate History
1 change since Sep 14, 2026 · 7.50% → 4.99% ▼ 2.51 pts · high 7.50% / low 4.99%
2.48%6.25%10.01%Sep 14, 2026: 7.50% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.99%▼ from 7.50%
  • Sep 14, 20267.50%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
120 S GARRISON AVE, CARTHAGE, MO, 64836
Auto Loan
5.00%
Up to 96 months
View
▼
APR5.00%
TermUp to 96 months
Last UpdatedOct 12, 2026
Details

As Low As; Rates stated as annual percentage rates; actual rates determined by credit worthiness and collateral

Rate History
1 change since Sep 12, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 12, 2026: 5.50% APRSep 17, 2026: 5.00% APRSep 12, 2026Oct 13, 2026
  • Sep 17, 20265.00%▼ from 5.50%
  • Sep 12, 20265.50%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2017 - 2024 Model Year
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2027/26/25/24/23 models
5.00%
72 months
View
▼
APR5.00%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Oct 9, 2026: 5.00% APROct 9, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Vehicle Loan
5.00%
Up to 84 months
View
▼
APR5.00%
Interest Rate5.00%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Credit score: 750+; Can borrow up to: 100% of purchase price; New: model year 2025 and newer with less than 15,000 miles

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.00%
60 months max term
View
▼
APR5.00%
Term60 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 18, 2026: 4.50% APROct 9, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.00%▲ from 4.50%
  • Sep 18, 20264.50%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 8 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Oct 13, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
5.05%
72 Month
View
▼
APR5.05%
Term72 Month
Last UpdatedOct 13, 2026
Details

As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026

Rate History
No change since Sep 14, 2026 · 5.05% APR · checked 6 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APRSep 14, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 5.08% APR
4.58%5.08%5.58%Oct 12, 2026: 5.08% APROct 12, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.20%
1 - 48 months
View
▼
APR5.20%
Term1 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.20% - 13.89%; Vehicle: 2025 - 2027 new vehicle; Max 15,000 miles; Max LTV 140%

Rate History
No change since Oct 13, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 13, 2026: 5.20% APROct 13, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.20%
49 - 60 months
View
▼
APR5.20%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.20% - 14.89%; Vehicle: 2025 - 2027 new vehicle; Max 15,000 miles; Max LTV 140%

Rate History
No change since Oct 13, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 13, 2026: 5.20% APROct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO, 64055
Auto Loan
5.24%
2022 - 2026
View
▼
APR5.24%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 29, 2026: 5.24% APRSep 29, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.24%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2008 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2017 - 2024 Model Year
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.25%
72 months max term
View
▼
APR5.25%
Term72 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.25%
60 months max term
View
▼
APR5.25%
Term60 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
49-60 months
View
▼
APR5.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
5.29%
61-72 Months
View
▼
APR5.29%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 5.29% APR
4.79%5.29%5.79%Oct 13, 2026: 5.29% APROct 13, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.30%
1 - 48 months
View
▼
APR5.30%
Term1 - 48 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.30% - 13.99%; Vehicle: 2023 - 2026 used vehicle; Max LTV 140%; Max mileage 150k

Rate History
No change since Oct 13, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 13, 2026: 5.30% APROct 13, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.30%
49 - 60 months
View
▼
APR5.30%
Term49 - 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.30% - 14.99%; Vehicle: 2023 - 2026 used vehicle; Max LTV 140%; Max mileage 150k

Rate History
No change since Oct 13, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 13, 2026: 5.30% APROct 13, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 5.31% APR
4.81%5.31%5.81%Oct 12, 2026: 5.31% APROct 12, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2023 - 2024
5.34%
37 - 75 Months
View
▼
APR5.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 5.34% APR
4.84%5.34%5.84%Oct 10, 2026: 5.34% APROct 10, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.34%
Up to 63 Months
View
▼
APR5.34%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.34% ▲ 0.35 pts · high 5.34% / low 4.99%
4.49%5.17%5.84%Sep 14, 2026: 4.99% APROct 5, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.34%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 4.85% → 5.35% ▲ 0.50 pts · high 5.35% / low 4.85%
4.35%5.10%5.85%Sep 12, 2026: 4.85% APROct 12, 2026: 5.35% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.35%▲ from 4.85%
  • Sep 12, 20264.85%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicle Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2018-2024; Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 13, 2026: 5.35% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
5.39%
73-84 months
View
▼
APR5.39%
Term73-84 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.40%
42 months
View
▼
APR5.40%
Term42 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 6 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO, 64055
Business Auto Loan
5.49%
2021 - 2025
View
▼
APR5.49%
Term2021 - 2025
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 29, 2026: 5.49% APRSep 29, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1500 Saint Louis Ave, Saint Louis, MO, 63106
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 5.05% → 5.49% ▲ 0.44 pts · high 5.49% / low 5.05%
4.55%5.27%5.99%Sep 17, 2026: 5.05% APROct 5, 2026: 5.49% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.49% ▲ 0.35 pts · high 5.49% / low 5.14%
4.64%5.31%5.99%Sep 14, 2026: 5.14% APROct 5, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer; Loan amount > $20k

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2013 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
12 months
View
▼
APR5.50%
Term12 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2017 - 2024 Model Year
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
2082 Rock Rd, De Soto, MO, 63020 1052
Autos and Motorcycles
5.50%
Up to 60 months
View
▼
APR5.50%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2023; Maximum age 15 years; No classic cars or trucks

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2022/21/20/19 models
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 13, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2022/21/20/19 models
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction

Rate History
No change since Oct 9, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 13, 2026
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
901 E Main St, Willow Springs, MO, 65793
Vehicle Loan
5.50%
Up to 84 months
View
▼
APR5.50%
Interest Rate5.50%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Credit score: 700 - 749; Can borrow up to: 100% of purchase price; New: model year 2025 and newer with less than 15,000 miles

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.50%
84 months max term
View
▼
APR5.50%
Term84 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.50%
72 months max term
View
▼
APR5.50%
Term72 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate; Example: $75,000 for 72 months at 5.554% APR Loyalty Rate = $1227.35 monthly payment

Rate History
No change since Oct 12, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 12, 2026: 5.55% APROct 12, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 5.08% → 5.58% ▲ 0.50 pts · high 5.58% / low 5.08%
4.58%5.33%6.08%Sep 12, 2026: 5.08% APROct 12, 2026: 5.58% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.58%▲ from 5.08%
  • Sep 12, 20265.08%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 6 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1500 Saint Louis Ave, Saint Louis, MO, 63106
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.70%
61 - 72 months
View
▼
APR5.70%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.70% - 14.89%; Vehicle: 2025 - 2027 new vehicle; Max 15,000 miles; Max LTV 140%

Rate History
No change since Oct 13, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 13, 2026: 5.70% APROct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
4545 S Noland Rd, Independence, MO, 64055
Auto Loan
5.74%
2018 - 2021
View
▼
APR5.74%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 29, 2026: 5.74% APRSep 29, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
CommunityAmerica Credit Union 6390 N Cosby Ave, Kansas City, MO, 64151
Auto Loan
5.74%
2022 - 2026
View
▼
APR5.74%
Term2022 - 2026
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APRSep 30, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Sep 30, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
1 change since Sep 17, 2026 · 5.34% → 5.74% ▲ 0.40 pts · high 5.74% / low 5.34%
4.84%5.54%6.24%Sep 17, 2026: 5.34% APROct 13, 2026: 5.74% APRSep 17, 2026Oct 13, 2026
  • Oct 13, 20265.74%▲ from 5.34%
  • Sep 17, 20265.34%first recorded
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2015 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Recreation Vehicle Loan - New or Used
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

APR as low as; Rates are the same as Auto Rates; Boats, Tractors, Campers, Trailers and More

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2017 - 2024 Model Year
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548
New Auto
5.75%
up to 48 months
View
▼
APR5.75%
Interest Rate5.75%
Termup to 48 months
Last UpdatedOct 13, 2026
Details

New Auto Rates (5 Years & Newer); NO MINIMUM

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Used Auto Loan
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedOct 13, 2026
Details

Year: 2026 thru 2019

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.75%
84 months max term
View
▼
APR5.75%
Term84 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Sep 18, 2026: 5.25% APROct 9, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.25%
  • Sep 18, 20265.25%first recorded
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
Up to 72 Months
View
▼
APR5.75%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.75% - 9.75%. We will loan up to MSRP / NADA Retail Value; For vehicles $25,000+ will lend up to 72 months; Interest rates are based on individual credit scores and are subject to change

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
Up to 72 months
View
▼
APR5.75%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.75% - 9.75%. Model Years: 2022 - 2019; Vehicles $25,000+ will lend up to 72 months; We will loan up to MSRP / NADA Retail Value; Call Credit Union for classic vehicle rates and information

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Auto Loan
5.80%
61 - 72 months
View
▼
APR5.80%
Term61 - 72 months
Last UpdatedOct 13, 2026
Details

As Low As; APR range 5.80% - 14.99%; Vehicle: 2023 - 2026 used vehicle; Max LTV 140%; Max mileage 150k

Rate History
No change since Oct 13, 2026 · 5.80% APR
5.30%5.80%6.30%Oct 13, 2026: 5.80% APROct 13, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 5.31% → 5.81% ▲ 0.50 pts · high 5.81% / low 5.31%
4.81%5.56%6.32%Sep 12, 2026: 5.31% APROct 12, 2026: 5.81% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.81%▲ from 5.31%
  • Sep 12, 20265.31%first recorded
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.84%
Up to 75 Months
View
▼
APR5.84%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.84% ▲ 0.35 pts · high 5.84% / low 5.49%
4.99%5.67%6.34%Sep 14, 2026: 5.49% APROct 5, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.84%▲ from 5.49%
  • Sep 14, 20265.49%first recorded

Missouri New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles Loan
3.49%
3 Years
View
▼
APR3.49%
Term3 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025-2026

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APRSep 29, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 13, 2026: 4.15% APROct 13, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.24%
30 months
View
▼
APR4.24%
Term30 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.24% APR · checked 4 times
3.74%4.24%4.74%Sep 22, 2026: 4.24% APRSep 22, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
49-60 months
View
▼
APR4.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
New Vehicle loan
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral

Rate History
1 change since Sep 17, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99%
3.49%4.14%4.79%Sep 17, 2026: 3.99% APROct 5, 2026: 4.29% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.29%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.29%
up to 36 months
View
▼
APR4.29%
Termup to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.39%
37-60 months
View
▼
APR4.39%
Term37-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
42 months
View
▼
APR4.49%
Term42 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 4 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 13, 2026: 4.50% APROct 13, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
4.50%
48 months max term
View
▼
APR4.50%
Term48 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APROct 9, 2026: 4.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
54 months
View
▼
APR4.74%
Term54 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
Up to 72 months
View
▼
APR4.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan - New or Used
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Type: New or Used

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.79% APR · checked 5 times
4.29%4.79%5.29%Sep 16, 2026: 4.79% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.79% APR
4.29%4.79%5.29%Oct 13, 2026: 4.79% APROct 13, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 4.85% APR
4.35%4.85%5.35%Oct 12, 2026: 4.85% APROct 12, 2026Oct 13, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Term0-12 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Term13-24 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Term25-36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Term37-48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.64% → 4.99% ▲ 0.35 pts · high 4.99% / low 4.64%
4.14%4.81%5.49%Sep 14, 2026: 4.64% APROct 5, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.99%▲ from 4.64%
  • Sep 14, 20264.64%first recorded
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 13, 2026: 5.00% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 4 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.00%
60 months max term
View
▼
APR5.00%
Term60 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 18, 2026: 4.50% APROct 9, 2026: 5.00% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.00%▲ from 4.50%
  • Sep 18, 20264.50%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 8 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 5.08% APR
4.58%5.08%5.58%Oct 12, 2026: 5.08% APROct 12, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.24%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 13, 2026: 5.25% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.25%
72 months max term
View
▼
APR5.25%
Term72 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.25%
60 months max term
View
▼
APR5.25%
Term60 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate

Rate History
No change since Oct 12, 2026 · 5.31% APR
4.81%5.31%5.81%Oct 12, 2026: 5.31% APROct 12, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 4.85% → 5.35% ▲ 0.50 pts · high 5.35% / low 4.85%
4.35%5.10%5.85%Sep 12, 2026: 4.85% APROct 12, 2026: 5.35% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.35%▲ from 4.85%
  • Sep 12, 20264.85%first recorded
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - New (2025 and newer)
5.39%
73-84 months
View
▼
APR5.39%
Term73-84 months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 5.39% APR
4.89%5.39%5.89%Oct 13, 2026: 5.39% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1500 Saint Louis Ave, Saint Louis, MO, 63106
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 5.05% → 5.49% ▲ 0.44 pts · high 5.49% / low 5.05%
4.55%5.27%5.99%Sep 17, 2026: 5.05% APROct 5, 2026: 5.49% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 5.14% → 5.49% ▲ 0.35 pts · high 5.49% / low 5.14%
4.64%5.31%5.99%Sep 14, 2026: 5.14% APROct 5, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.49%▲ from 5.14%
  • Sep 14, 20265.14%first recorded
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 13, 2026
Details

Fixed APR; Model Year: 2025 or Newer; Loan amount > $20k

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
12 months
View
▼
APR5.50%
Term12 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 13, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
Auto Loans 2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR* (as low as); lowest APR determined at application based on credit score

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
New Auto Loan
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 13, 2026
Details

Model Year: 2026-2025

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 4 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles Loan
5.50%
84 months max term
View
▼
APR5.50%
Term84 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.50%
72 months max term
View
▼
APR5.50%
Term72 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan - Loyalty Rate
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate; Example: $75,000 for 72 months at 5.554% APR Loyalty Rate = $1227.35 monthly payment

Rate History
No change since Oct 12, 2026 · 5.55% APR
5.05%5.55%6.05%Oct 12, 2026: 5.55% APROct 12, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 5.08% → 5.58% ▲ 0.50 pts · high 5.58% / low 5.08%
4.58%5.33%6.08%Sep 12, 2026: 5.08% APROct 12, 2026: 5.58% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.58%▲ from 5.08%
  • Sep 12, 20265.08%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
New Vehicle Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2025 to 2026; New or Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Recreation Vehicle Loan - New or Used
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

APR as low as; Rates are the same as Auto Rates; Boats, Tractors, Campers, Trailers and More

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506 1548
New Auto
5.75%
up to 48 months
View
▼
APR5.75%
Interest Rate5.75%
Termup to 48 months
Last UpdatedOct 13, 2026
Details

New Auto Rates (5 Years & Newer); NO MINIMUM

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.75%
84 months max term
View
▼
APR5.75%
Term84 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Sep 18, 2026: 5.25% APROct 9, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.25%
  • Sep 18, 20265.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates as of: 7/23/25; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates determined by individual credit scores; Advertised rates assume excellent credit

Rate History
1 change since Sep 12, 2026 · 5.31% → 5.81% ▲ 0.50 pts · high 5.81% / low 5.31%
4.81%5.56%6.32%Sep 12, 2026: 5.31% APROct 12, 2026: 5.81% APRSep 12, 2026Oct 13, 2026
  • Oct 12, 20265.81%▲ from 5.31%
  • Sep 12, 20265.31%first recorded

Missouri Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 13, 2026
Details

2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
620 N Maguire St, Warrensburg, MO, 64093
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 29, 2026: 4.60% APRSep 29, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 13, 2026
Details

2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.74%
37-48 Months
View
▼
APR4.74%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 6 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan - New or Used
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Type: New or Used

Rate History
No change since Oct 13, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 13, 2026: 4.75% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
4.79%
Up to 36 Months
View
▼
APR4.79%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.79% APR
4.29%4.79%5.29%Oct 13, 2026: 4.79% APROct 13, 2026Oct 13, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
4.89%
37-60 Months
View
▼
APR4.89%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Term0-12 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Term13-24 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Term25-36 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Term37-48 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Term49-60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 13, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Model Year: 2008 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 13, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
No change since Sep 17, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 17, 2026: 5.24% APRSep 17, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 7 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Model Year: 2008 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.25%
60 months max term
View
▼
APR5.25%
Term60 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 13, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
49-60 months
View
▼
APR5.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 13, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
400 Towne Center Drive, BELTON, MO, 64012
Vehicle Loans - Used
5.29%
61-72 Months
View
▼
APR5.29%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026

Rate History
No change since Oct 13, 2026 · 5.29% APR
4.79%5.29%5.79%Oct 13, 2026: 5.29% APROct 13, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.34%
Up to 63 Months
View
▼
APR5.34%
TermUp to 63 Months
Last UpdatedOct 13, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.34% ▲ 0.35 pts · high 5.34% / low 4.99%
4.49%5.17%5.84%Sep 14, 2026: 4.99% APROct 5, 2026: 5.34% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.34%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicle Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2018-2024; Used Vehicles

Rate History
No change since Oct 13, 2026 · 5.35% APR
4.85%5.35%5.85%Oct 13, 2026: 5.35% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
332 Marshall Dr, Saint Robert, MO, 65584
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

APR reflects AutoPay .25% deduction; requires automatic payments set up at origination; rates are fixed for the term; subject to credit approval

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedOct 13, 2026
Details

Model Year: 2013 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 13, 2026
Details

2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
  • Oct 9, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.50%
72 months max term
View
▼
APR5.50%
Term72 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 6 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1500 Saint Louis Ave, Saint Louis, MO, 63106
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rates come into effect on 10/01/2026; Loan Rate based on creditworthiness

Rate History
1 change since Sep 17, 2026 · 5.34% → 5.74% ▲ 0.40 pts · high 5.74% / low 5.34%
4.84%5.54%6.24%Sep 17, 2026: 5.34% APROct 13, 2026: 5.74% APRSep 17, 2026Oct 13, 2026
  • Oct 13, 20265.74%▲ from 5.34%
  • Sep 17, 20265.34%first recorded
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Vehicle Loans - New & Used Vehicle
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) Vehicle Loan
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 13, 2026
Details

As Low As; Level 1 APR* (730+)

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
4161 Highway K, O Fallon, MO, 63368 8294
Used Car Loan - Model Years 2018 to 2023
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Model years 2018 to 2023; APR*

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2024 or older
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedOct 13, 2026
Details

Model Year: 2015 or Newer; Max vehicle age 16 years

Rate History
No change since Oct 13, 2026 · 5.74% APR
5.24%5.74%6.24%Oct 13, 2026: 5.74% APROct 13, 2026Oct 13, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
550 S Muldrow St, Mexico, MO, 65265 2014
Recreation Vehicle Loan - New or Used
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 13, 2026
Details

APR as low as; Rates are the same as Auto Rates; Boats, Tractors, Campers, Trailers and More

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
1905 Howard St, Saint Joseph, MO, 64501 1540
Used Auto Loan
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedOct 13, 2026
Details

Year: 2026 thru 2019

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 13, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer) Loan
5.75%
84 months max term
View
▼
APR5.75%
Term84 months max term
Last UpdatedOct 13, 2026
Details

As Low As; Rates based on Applicant's Credit Bureau score.

Rate History
1 change since Sep 18, 2026 · 5.25% → 5.75% ▲ 0.50 pts · high 5.75% / low 5.25%
4.75%5.50%6.25%Sep 18, 2026: 5.25% APROct 9, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.75%▲ from 5.25%
  • Sep 18, 20265.25%first recorded
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
Up to 72 Months
View
▼
APR5.75%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.75% - 9.75%. We will loan up to MSRP / NADA Retail Value; For vehicles $25,000+ will lend up to 72 months; Interest rates are based on individual credit scores and are subject to change

Rate History
No change since Oct 13, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 13, 2026: 5.75% APROct 13, 2026Oct 13, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
Up to 72 months
View
▼
APR5.75%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 5.75% - 9.75%. Model Years: 2022 - 2019; Vehicles $25,000+ will lend up to 72 months; We will loan up to MSRP / NADA Retail Value; Call Credit Union for classic vehicle rates and information

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 13, 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.84%
Up to 75 Months
View
▼
APR5.84%
TermUp to 75 Months
Last UpdatedOct 13, 2026
Details

Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.84% ▲ 0.35 pts · high 5.84% / low 5.49%
4.99%5.67%6.34%Sep 14, 2026: 5.49% APROct 5, 2026: 5.84% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20265.84%▲ from 5.49%
  • Sep 14, 20265.49%first recorded

Missouri Auto Loan Rate Trends

Compare local Missouri 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 Missouri Auto Trends
New Auto Loan MO Avg
5.355%
▲ 0.109 vs 7 days ago

Missouri new auto rates rose 0.109 points over the past 7 days to 5.355% APR.

Used Auto Loan MO Avg
5.833%
▼ 0.014 vs 7 days ago

Missouri used auto rates fell 0.014 points over the past 7 days to 5.833% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Missouri 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 Missouri figures.

Current New Auto Avg
5.36%
APR, as of Oct 13, 2026
6-Month Forecast
5.44%
Fed hold assumed
12-Month Forecast
5.51%
Range: 5.16% to 5.71%
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.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Missouri 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 @ 5.35% APR
MO average		 Used Auto @ 5.83% APR
MO average		 Monthly Difference
$15,000 $285.51/mo $288.83/mo $3.31/mo
$25,000 $475.85/mo $481.38/mo $5.52/mo
$35,000 $666.20/mo $673.93/mo $7.73/mo
$45,000 $856.54/mo $866.48/mo $9.94/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Missouri

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Missouri 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.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Missouri. 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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Missouri Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$42,774
Median Individual Earnings
National avg: $47,340
4.0%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At MO new-auto avg 5.35% APR

A $571 monthly car payment works out to roughly 16.0% of the median individual income in Missouri. 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 Missouri, 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 Missouri. We’ve prefilled the APR with today’s MO new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Missouri 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 Missouri 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 Missouri. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MO.

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 Missouri

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.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%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.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Missouri

How does my credit score affect my car loan rate in Missouri?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Missouri 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 Missouri *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 Missouri 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.

Should I get preapproved for an auto loan before visiting a dealer in Missouri?

Yes. A preapproval from a bank or credit union serving Missouri gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Missouri can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Missouri?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Missouri?

Based on our current data, some of the lowest auto loan rates available in Missouri include:
  • Multi-States Credit Union: 3.49% (New Vehicles Loan)
  • Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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Auto Loan Rates by City in Missouri

  • Adrian
  • Advance
  • Agency
  • Airport Drive
  • Alba
  • Albany
  • Aldrich
  • Alexandria
  • Allendale
  • Allenton
  • Allenville
  • Alma
  • Altamont
  • Altenburg
  • Alton
  • Amazonia
  • Amity
  • Amoret
  • Amsterdam
  • Anabel
  • Anderson
  • Annada
  • Annapolis
  • Anniston
  • Appleton City
  • Arbela
  • Arbyrd
  • Arcadia
  • Archie
  • Arcola
  • Argyle
  • Arkoe
  • Armstrong
  • Arnold
  • Arrow Point
  • Arrow Rock
  • Asbury
  • Ash Grove
  • Ashburn
  • Ashland
  • Atlanta
  • Augusta
  • Aullville
  • Aurora
  • Auxvasse
  • Ava
  • Avilla
  • Avondale
  • Bagnell
  • Bakersfield
  • Baldwin Park
  • Ballwin
  • Baring
  • Barnard
  • Barnett
  • Barnhart
  • Bates City
  • Battlefield
  • Beaufort
  • Bel-Nor
  • Bel-Ridge
  • Belgrade
  • Bell City
  • Bella Villa
  • Belle
  • Bellefontaine Neighbors
  • Bellerive Acres
  • Belleview
  • Bellflower
  • Belton
  • Bendavis
  • Benton
  • Benton City
  • Berger
  • Berkeley
  • Bernie
  • Bertrand
  • Bethany
  • Bethel
  • Beulah
  • Beverly Hills
  • Bevier
  • Big Lake
  • Bigelow
  • Billings
  • Birch Tree
  • Birmingham
  • Bismarck
  • Bixby
  • Black
  • Black Jack
  • Blackburn
  • Blackwater
  • Blackwell
  • Blairstown
  • Bland
  • Blodgett
  • Bloomfield
  • Bloomsdale
  • Blue Eye
  • Blue Mound
  • Blue Springs
  • Blythedale
  • Bogard
  • Bois D Arc
  • Bolckow
  • Bolivar
  • Bonne Terre
  • Bonnots Mill
  • Boonville
  • Boss
  • Bosworth
  • Bourbon
  • Bowling Green
  • Bradleyville
  • Bragg City
  • Braggadocio
  • Brandsville
  • Branson
  • Branson West
  • Brashear
  • Braymer
  • Brazeau
  • Breckenridge
  • Breckenridge Hills
  • Brentwood
  • Briar
  • Bridgeton
  • Brighton
  • Brimson
  • Brinktown
  • Brixey
  • Bronaugh
  • Brookfield
  • Brookline Station
  • Brooklyn Heights
  • Broseley
  • Browning
  • Brownington
  • Brownwood
  • Brumley
  • Bruner
  • Brunswick
  • Bucklin
  • Buckner
  • Bucyrus
  • Buffalo
  • Bull Creek
  • Bunceton
  • Bunker
  • Burfordville
  • Burlington Junction
  • Butler
  • Butterfield
  • Byrnes Mill
  • Cabool
  • Cadet
  • Cainsville
  • Cairo
  • Caledonia
  • Calhoun
  • California
  • Callao
  • Calverton Park
  • Camden
  • Camden Point
  • Camdenton
  • Cameron
  • Campbell
  • Canalou
  • Canton
  • Cape Fair
  • Cape Girardeau
  • Caplinger Mills
  • Cardwell
  • Carl Junction
  • Carrollton
  • Carterville
  • Carthage
  • Caruthersville
  • Carytown
  • Cascade
  • Cassville
  • Catawissa
  • Catron
  • Caulfield
  • Cedar City
  • Cedar Hill
  • Cedar Hill Lakes
  • Cedarcreek
  • Center
  • Centertown
  • Centerview
  • Centerville
  • Centralia
  • Chadwick
  • Chaffee
  • Chain of Rocks
  • Chain-O-Lakes
  • Chamois
  • Champ
  • Charlack
  • Charleston
  • Charmwood
  • Cherryville
  • Chesterfield
  • Chestnutridge
  • Chilhowee
  • Chillicothe
  • Chula
  • Clarence
  • Clark
  • Clarksburg
  • Clarksdale
  • Clarkson Valley
  • Clarksville
  • Clarkton
  • Clay
  • Claycomo
  • Clayton
  • Clearmont
  • Cleveland
  • Clever
  • Cliff Village
  • Clifton Hill
  • Climax Springs
  • Clinton
  • Clubb
  • Clyde
  • Coatsville
  • Cobalt
  • Coffey
  • Cole Camp
  • Collins
  • Columbia
  • Commerce
  • Conception
  • Conception Junction
  • Concordia
  • Coney Island
  • Conran
  • Conway
  • Cook Station
  • Cool Valley
  • Cooter
  • Corder
  • Corning
  • Cosby
  • Cottleville
  • Couch
  • Country Club
  • Country Club Hills
  • Country Life Acres
  • Cowgill
  • Craig
  • Crane
  • Creighton
  • Crestwood
  • Creve Coeur
  • Crocker
  • Cross Timbers
  • Crystal City
  • Crystal Lake Park
  • Crystal Lakes
  • Cuba
  • Curryville
  • Dadeville
  • Daisy
  • Dalton
  • Dardenne Prairie
  • Darlington
  • Davisville
  • Dawn
  • De Kalb
  • De Soto
  • De Witt
  • Dearborn
  • Deepwater
  • Deerfield
  • Deering
  • Defiance
  • Dellwood
  • Delta
  • Dennis Acres
  • Denver
  • Des Arc
  • Des Peres
  • Desloge
  • Devils Elbow
  • Dexter
  • Diamond
  • Diehlstadt
  • Diggins
  • Dittmer
  • Dixon
  • Doe Run
  • Doniphan
  • Doolittle
  • Dora
  • Dover
  • Downing
  • Drexel
  • Drury
  • Dudley
  • Duenweg
  • Duke
  • Dunnegan
  • Duquesne
  • Durham
  • Dutchtown
  • Dutzow
  • Eagle Rock
  • Eagleville
  • Earth City
  • East Lynne
  • East Prairie
  • Easton
  • Edgar Springs
  • Edgerton
  • Edina
  • Edmundson
  • Edwards
  • El Dorado Springs
  • Eldon
  • Eldridge
  • Elk Creek
  • Elkland
  • Ellington
  • Ellisville
  • Ellsinore
  • Elmer
  • Elmira
  • Elmo
  • Elsberry
  • Emden
  • Emerald Beach
  • Eminence
  • Emma
  • Eolia
  • Essex
  • Ethel
  • Etterville
  • Eudora
  • Eugene
  • Eunice
  • Eureka
  • Evergreen
  • Everton
  • Ewing
  • Excello
  • Excelsior Estates
  • Excelsior Springs
  • Exeter
  • Fagus
  • Fair Grove
  • Fair Play
  • Fairdealing
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  • Gorin
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  • Patton
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  • Plato
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  • Plevna
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  • Richards
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  • Rives
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  • Roby
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  • Rock Port
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  • Rockbridge
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  • Rocky Comfort
  • Rocky Mount
  • Rogersville
  • Rolla
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  • Roscoe
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  • Rosendale
  • Rothville
  • Rueter
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  • Rutledge
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  • Saint Clair
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  • Saint Elizabeth
  • Saint James
  • Saint John
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  • Saint Patrick
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  • Saint Peters
  • Saint Thomas
  • Sainte Genevieve
  • Salem
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  • Santa Fe
  • Sarcoxie
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  • Schell City
  • Scotsdale
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  • Sedalia
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  • Seligman
  • Senath
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  • Seymour
  • Shelbina
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  • Sheldon
  • Shell Knob
  • Sheridan
  • Shoal Creek Drive
  • Shoal Creek Estates
  • Shook
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  • Sibley
  • Sikeston
  • Silex
  • Silva
  • Skidmore
  • Slater
  • Smithton
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  • Solo
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  • South West City
  • Sparta
  • Spickard
  • Spokane
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  • Squires
  • St. Robert
  • Stanberry
  • Stanton
  • Stark City
  • Steedman
  • Steele
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  • Stella
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  • Stoutland
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  • Stover
  • Strafford
  • Strasburg
  • Sturdivant
  • Sturgeon
  • Success
  • Sugar Creek
  • Sullivan
  • Summersville
  • Sumner
  • Sunrise Beach
  • Sunset Hills
  • Swedeborg
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  • Sycamore Hills
  • Syracuse
  • Tallapoosa
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  • Taos
  • Tarkio
  • Taylor
  • Tebbetts
  • Tecumseh
  • Teresita
  • Thayer
  • Theodosia
  • Thompson
  • Thornfield
  • Three Creeks
  • Tiff
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  • Tightwad
  • Tina
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  • Tracy
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  • Trenton
  • Trimble
  • Triplett
  • Troy
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  • Truxton
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  • Turney
  • Tuscumbia
  • Twin Oaks
  • Udall
  • Ulman
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  • Union
  • Union Star
  • Uniontown
  • Unionville
  • Unity Village
  • University City
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  • Urbana
  • Urich
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  • Valles Mines
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  • Van Buren
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  • Vanzant
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  • Verona
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  • Vichy
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  • Villa Ridge
  • Village of Four Seasons
  • Vinita Park
  • Vista
  • Vulcan
  • Waco
  • Wakenda
  • Waldron
  • Walker
  • Walnut Grove
  • Walnut Shade
  • Wappapello
  • Wardell
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  • Warrenton
  • Warsaw
  • Warson Woods
  • Washburn
  • Washington
  • Wasola
  • Watson
  • Waverly
  • Wayland
  • Waynesville
  • Weatherby
  • Weatherby Lake
  • Weaubleau
  • Webb City
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  • Weldon Spring Heights
  • Wellington
  • Wellston
  • Wellsville
  • Wentworth
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  • Wesco
  • West Alton
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  • West Sullivan
  • Westboro
  • Weston
  • Westphalia
  • Westwood
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  • Wilson City
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  • Windsor
  • Windsor Place
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  • Wooldridge
  • Worth
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  • Wright City
  • Wyaconda
  • Wyatt
  • Yukon
  • Zalma
  • Zanoni