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Missouri Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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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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.
Current auto loan rates in Missouri include Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.64%, Mercy Credit UnionMercy Credit Union1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238A+5.0 ★Texas Ratio: 0.60% offering 2025-2026 New Vehicle Loan at 3.74%, FRB Federal Credit UnionFRB Federal Credit UnionFEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102A5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, R-G Federal Credit UnionR-G Federal Credit Union400 Towne Center Drive, BELTON, MO, 64012A+5.0 ★Texas Ratio: 4.63% offering New Vehicle loan at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit Union1232 Wentzville Pkwy, Wentzville, MO, 63385 3868A-5.0 ★Texas Ratio: 15.36% offering New/Used Auto Loans at 3.99%. Auto loan rates as of September 21, 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 3.64% APR from Baxter Credit Union at 13655 Riverport Dr, Maryland Heights, MO, 63043. 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: September 21, 2026
Compare Auto Loan Rates Today in Missouri
Missouri Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
2025-2026 New Vehicle Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedSep 18, 2026
Details
As Low As; *APR is the Annual Percentage Rate.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As*
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO, 64012
New Vehicle loan
3.99%
36 Months*
▼
APR3.99%
Term36 Months*
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.00%
48 months max term
▼
APR4.00%
Interest Rate4.00%
Term48 months max term
Last UpdatedSep 18, 2026
Details
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
620 N Maguire St, Warrensburg, MO, 64093
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
▼
APR4.10%
Term84 months
Last UpdatedSep 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.24%
30 months
▼
APR4.24%
Term30 months
Last UpdatedSep 21, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
663 W Highway 60, Monett, MO, 65708
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedSep 18, 2026
Details
As low as
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 16, 2026
Details
As Low As*
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
49-60 months
▼
APR4.29%
Term49-60 months
Last UpdatedSep 16, 2026
Details
As Low As*
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.30%
36 Month
▼
APR4.30%
Term36 Month
Last UpdatedSep 18, 2026
Details
As Low As
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.39%
60 month
▼
APR4.39%
Term60 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
4161 Highway K, O Fallon, MO, 63368 8294
Car Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedSep 18, 2026
Details
Payment Example
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
NEW 2025-2026 Auto Loan
4.49%
Up to 84 month terms
▼
APR4.49%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as; please call for details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
NEW Auto Loan
4.49%
Up to 84 month terms
▼
APR4.49%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as 4.49% APR
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedSep 18, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.49%
1-36 Months
▼
APR4.49%
Term1-36 Months
Last UpdatedSep 18, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
42 months
▼
APR4.49%
Term42 months
Last UpdatedSep 21, 2026
Details
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2026/25/24/23/22 models
4.50%
36 months
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2026/25/24/23/22 models
4.50%
48 months
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.50%
60 months max term
▼
APR4.50%
Interest Rate4.50%
Term60 months max term
Last UpdatedSep 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 18, 2026
Details
2015-2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.55%
48 Month
▼
APR4.55%
Term48 Month
Last UpdatedSep 18, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.59%
37-48 Months
▼
APR4.59%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedSep 18, 2026
Details
As Low As;
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
620 N Maguire St, Warrensburg, MO, 64093
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
▼
APR4.60%
Term84 months
Last UpdatedSep 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2022 - 2024
4.64%
0 - 36 Months
▼
APR4.64%
Interest Rate4.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedSep 18, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
54 months
▼
APR4.74%
Term54 months
Last UpdatedSep 21, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
Credit Score: 725 & Above
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
New or Used Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2017 - 2024 Model Year
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2026/25/24/23/22 models
4.75%
60 months
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
72 months max term
▼
APR4.75%
Interest Rate4.75%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
4.75%
60 months max term
▼
APR4.75%
Interest Rate4.75%
Term60 months max term
Last UpdatedSep 18, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Vehicle Loans
4.75%
30 months
▼
APR4.75%
Term30 months
Last UpdatedSep 18, 2026
Details
Term: For loans $30,000 + will lend up to 84 Months.; 2026 - 2023 Model Years *Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Vehicle Loans
4.75%
up to 84 Months
▼
APR4.75%
Termup to 84 Months
Last UpdatedSep 18, 2026
Details
2026 - 2023 Model Years; Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum deposit: $500
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum loan amount $500
Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
Up to 72 mo.
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedSep 18, 2026
Details
Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 18, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedSep 16, 2026
Details
As Low As*
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.80%
60 Month
▼
APR4.80%
Term60 Month
Last UpdatedSep 18, 2026
Details
As Low As
City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; 2019-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Cars Loan
4.89%
up to 84 months
▼
APR4.89%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply.
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.89%
72 month
▼
APR4.89%
Term72 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedSep 21, 2026
Details
As low as
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
Pre-Owned 2022-2024 Auto Loan
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as; please call for details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
Pre-Owned Auto Loan (2022-2024)
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as 4.99% APR
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedSep 18, 2026
Details
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
78 months
▼
APR4.99%
Term78 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2027 (New or Used)
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2027 (New or Used)
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedSep 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedSep 18, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
4.99%
12 - 48 months
▼
APR4.99%
Term12 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
4.99%
1-36 months
▼
APR4.99%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedSep 21, 2026
Details
As low as
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
New Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months Model 2026-2024; Published APR range: 4.99% - 13.24%.
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
Used Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months Model 2023-2022; Published APR range: 4.99% - 13.24%.
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedSep 21, 2026
Details
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2017 - 2024 Model Year
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2026/25/24/23/22 models
5.00%
72 months
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
84 months max term
▼
APR5.00%
Interest Rate5.00%
Term84 months max term
Last UpdatedSep 18, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.00%
72 months max term
▼
APR5.00%
Interest Rate5.00%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
2022-2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
120 S GARRISON AVE, CARTHAGE, MO, 64836
New Auto Loan
5.00%
96 months
▼
APR5.00%
Term96 months
Last UpdatedSep 18, 2026
Details
New- 2025 - 2027 model
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
5.05%
72 Month
▼
APR5.05%
Term72 Month
Last UpdatedSep 18, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
75 Months
▼
APR5.05%
Term75 Months
Last UpdatedSep 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2022 - 2024
5.14%
37 - 75 Months
▼
APR5.14%
Interest Rate5.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
5.19%
61-72 Months
▼
APR5.19%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedSep 18, 2026
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
5.24%
37-48 months
▼
APR5.24%
Term37-48 months
Last UpdatedSep 18, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 21, 2026
Details
As low as
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 18, 2026
Details
Credit Score: 725 & Above
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2017 - 2024 Model Year
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.25%
84 months max term
▼
APR5.25%
Interest Rate5.25%
Term84 months max term
Last UpdatedSep 18, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
37-48 months
▼
APR5.29%
Term37-48 months
Last UpdatedSep 16, 2026
Details
As Low As*
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
49-60 months
▼
APR5.29%
Term49-60 months
Last UpdatedSep 16, 2026
Details
As Low As*
Highway Crossroads Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.49%
741 York Dr, Sikeston, MO, 63801
Auto Loan
5.29%
72 months
▼
APR5.29%
Term72 months
Last UpdatedSep 21, 2026
Details
Credit Score: 750+ A+
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.30%
1 - 48 Months
▼
APR5.30%
Term1 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.30%
49 - 60 Months
▼
APR5.30%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedSep 21, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles Loan
5.35%
6 YEAR REPAY
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2018-2024
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1500 Saint Louis Ave, Saint Louis, MO, 63106
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.40%
42 months
▼
APR5.40%
Term42 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2027 (New or Used)
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36-month term
▼
APR5.49%
Term36-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48-month term
▼
APR5.49%
Term48-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2017 - 2021 Auto Loan
5.49%
12 - 48 months
▼
APR5.49%
Term12 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2017 - 2021
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedSep 21, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
12 mos.
▼
APR5.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
24 mos.
▼
APR5.50%
Term24 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
36 mos.
▼
APR5.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
48 mos.
▼
APR5.50%
Term48 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
As Low As
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO, 65803
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2017 - 2024 Model Year
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As
De Soto Mo Pac Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
2082 Rock Rd, De Soto, MO, 63020 1052
Autos and Motorcycles
5.50%
up to 60 months
▼
APR5.50%
Termup to 60 months
Last UpdatedSep 18, 2026
Details
2026-2023
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2021/20/19/18 models
5.50%
36 months
▼
APR5.50%
Interest Rate5.50%
Term36 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2021/20/19/18 models
5.50%
48 months
▼
APR5.50%
Interest Rate5.50%
Term48 months
Last UpdatedSep 18, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 5.52%
310 N Missouri St, Macon, MO, 63552
Vehicle Loans: 2026/25/24/23/22 models and over)
5.50%
84 months
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedSep 18, 2026
Details
$45,000; Rates are based on applicant's credit bureau score and various discounts. **
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 to 2018)
5.50%
60 months max term
▼
APR5.50%
Interest Rate5.50%
Term60 months max term
Last UpdatedSep 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 18, 2026
Details
2023-2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1500 Saint Louis Ave, Saint Louis, MO, 63106
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60-month term
▼
APR5.74%
Term60-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2017 and Older Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedSep 18, 2026
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2017 - 2021 Auto Loan
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2017 - 2021
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedSep 21, 2026
Details
As low as
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
Credit Score: 724-690
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loan
5.75%
84 Months *
▼
APR5.75%
Term84 Months *
Last UpdatedSep 18, 2026
Details
Credit Score: 725 & Above
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Recreation Vehicle loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2017 - 2024 Model Year
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As
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 Loan
5.75%
up to 48 months
▼
APR5.75%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
NO MINIMUM
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026 thru 2019 Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Year: 2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 to 2018)
5.75%
72 months max term
▼
APR5.75%
Interest Rate5.75%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
25 months
▼
APR5.75%
Term25 months
Last UpdatedSep 18, 2026
Details
Term: For vehicles $25,000 + will lend up to 72 months.; 2022 - 2019 Model Years *Interest rates are based on individual credit scores and are subject to change.
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
up to 72 months
▼
APR5.75%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
2022 - 2019 Model Years; For vehicles $25,000 + will lend up to 72 months.
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Vehicle Loans
5.75%
25 months
▼
APR5.75%
Term25 months
Last UpdatedSep 18, 2026
Details
Term: For vehicles $25,000 + will lend up to 72 months.; Used Vehicles 2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change.
Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 18, 2026
Details
Up to 100% NADA Retail
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Highway Crossroads Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.49%
741 York Dr, Sikeston, MO, 63801
Auto Loan
5.79%
60 months
▼
APR5.79%
Term60 months
Last UpdatedSep 21, 2026
Details
Credit Score: 750+ A+
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.80%
61 - 72 Months
▼
APR5.80%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
2026 New Vehicle Loan
5.84%
36 months
▼
APR5.84%
Interest Rate5.25%
Term36 months
Last UpdatedSep 19, 2026
Details
2026 (90% financing w/ 10% down payment)
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
100 E 20th St, Kansas City, MO, 64108
New - 2025 Auto Loan
5.91%
48 months
▼
APR5.91%
Interest Rate5.30%
Term48 months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.95%
52 months
▼
APR5.95%
Term52 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2027 (New or Used)
St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
2026 New Vehicle Loan
5.96%
48 months
▼
APR5.96%
Interest Rate5.50%
Term48 months
Last UpdatedSep 19, 2026
Details
2026 (90% financing w/ 10% down payment)
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72-month term
▼
APR5.99%
Term72-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedSep 18, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2017 and Older Loan
5.99%
66 months
▼
APR5.99%
Term66 months
Last UpdatedSep 18, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2018-2021
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
Used Auto Loan
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Term: Up to 60 months Model 2021-2017; Published APR range: 5.99% - 14.24%.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
6.00%
12 mos.
▼
APR6.00%
Term12 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
6.00%
24 mos.
▼
APR6.00%
Term24 mos.
Last UpdatedSep 16, 2026
Details
As Low As
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MonitorBankRates
Missouri New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
3.64%
0 - 36 Months
▼
APR3.64%
Interest Rate3.64%
Term0 - 36 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
2025-2026 New Vehicle Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedSep 18, 2026
Details
As Low As; *APR is the Annual Percentage Rate.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As*
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
400 Towne Center Drive, BELTON, MO, 64012
New Vehicle loan
3.99%
36 Months*
▼
APR3.99%
Term36 Months*
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.00%
48 months max term
▼
APR4.00%
Interest Rate4.00%
Term48 months max term
Last UpdatedSep 18, 2026
Details
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
620 N Maguire St, Warrensburg, MO, 64093
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
▼
APR4.10%
Term84 months
Last UpdatedSep 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
4.14%
37 - 75 Months
▼
APR4.14%
Interest Rate4.14%
Term37 - 75 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.24%
30 months
▼
APR4.24%
Term30 months
Last UpdatedSep 21, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedSep 16, 2026
Details
As Low As*
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
49-60 months
▼
APR4.29%
Term49-60 months
Last UpdatedSep 16, 2026
Details
As Low As*
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.39%
60 month
▼
APR4.39%
Term60 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
NEW 2025-2026 Auto Loan
4.49%
Up to 84 month terms
▼
APR4.49%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as; please call for details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
NEW Auto Loan
4.49%
Up to 84 month terms
▼
APR4.49%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as 4.49% APR
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.49%
1-36 Months
▼
APR4.49%
Term1-36 Months
Last UpdatedSep 18, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
42 months
▼
APR4.49%
Term42 months
Last UpdatedSep 21, 2026
Details
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.50%
60 months max term
▼
APR4.50%
Interest Rate4.50%
Term60 months max term
Last UpdatedSep 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 18, 2026
Details
2015-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.59%
37-48 Months
▼
APR4.59%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
▼
APR4.59%
Term3-7 year term
Last UpdatedSep 18, 2026
Details
As Low As;
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedSep 18, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
54 months
▼
APR4.74%
Term54 months
Last UpdatedSep 21, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
New or Used Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
72 months max term
▼
APR4.75%
Interest Rate4.75%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
4.75%
60 months max term
▼
APR4.75%
Interest Rate4.75%
Term60 months max term
Last UpdatedSep 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum deposit: $500
Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
Up to 72 mo.
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedSep 18, 2026
Details
Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 18, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedSep 16, 2026
Details
As Low As*
City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; 2019-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Cars Loan
4.89%
up to 84 months
▼
APR4.89%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply.
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.89%
72 month
▼
APR4.89%
Term72 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedSep 21, 2026
Details
As low as
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.99%
75 Months
▼
APR4.99%
Term75 Months
Last UpdatedSep 18, 2026
Details
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedSep 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedSep 18, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
4.99%
12 - 48 months
▼
APR4.99%
Term12 - 48 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedSep 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedSep 21, 2026
Details
As low as
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
New Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months Model 2026-2024; Published APR range: 4.99% - 13.24%.
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.99%
66 months
▼
APR4.99%
Term66 months
Last UpdatedSep 21, 2026
Details
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
84 months max term
▼
APR5.00%
Interest Rate5.00%
Term84 months max term
Last UpdatedSep 18, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.00%
72 months max term
▼
APR5.00%
Interest Rate5.00%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
2022-2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
120 S GARRISON AVE, CARTHAGE, MO, 64836
New Auto Loan
5.00%
96 months
▼
APR5.00%
Term96 months
Last UpdatedSep 18, 2026
Details
New- 2025 - 2027 model
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedSep 21, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks Loan
5.05%
75 Months
▼
APR5.05%
Term75 Months
Last UpdatedSep 21, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans - 2025 & Newer
5.14%
76 - 84 Months
▼
APR5.14%
Interest Rate5.14%
Term76 - 84 Months
Last UpdatedSep 18, 2026
Details
as low as; Loan Term; **76-84 month term available for model years 2025 and newer only.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
5.19%
61-72 Months
▼
APR5.19%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.24%
66 months
▼
APR5.24%
Term66 months
Last UpdatedSep 18, 2026
Details
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 21, 2026
Details
As low as
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.25%
84 months max term
▼
APR5.25%
Interest Rate5.25%
Term84 months max term
Last UpdatedSep 18, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1500 Saint Louis Ave, Saint Louis, MO, 63106
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36-month term
▼
APR5.49%
Term36-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48-month term
▼
APR5.49%
Term48-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
19301 E Valley View Pkwy, Independence, MO, 64055
Vehicles - 2018 and Newer Loan
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 18, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedSep 21, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
12 mos.
▼
APR5.50%
Term12 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
24 mos.
▼
APR5.50%
Term24 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
36 mos.
▼
APR5.50%
Term36 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
48 mos.
▼
APR5.50%
Term48 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
New Auto Loan
5.50%
60 mos.
▼
APR5.50%
Term60 mos.
Last UpdatedSep 16, 2026
Details
As Low As
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
1535 N Campbell Ave, Springfield, MO, 65803
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedSep 18, 2026
Details
As Low As
Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
7245 N Oak Trfy, Gladstone, MO, 64118 1852
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026-2025 New Auto
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedSep 18, 2026
Details
Model Year: 2026-2025 New
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 18, 2026
Details
2023-2026
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60-month term
▼
APR5.74%
Term60-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
2022 - New Auto Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; Model Year: 2022 - New
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedSep 21, 2026
Details
As low as
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 Loan
5.75%
up to 48 months
▼
APR5.75%
Termup to 48 months
Last UpdatedSep 18, 2026
Details
NO MINIMUM
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
2026 New Vehicle Loan
5.84%
36 months
▼
APR5.84%
Interest Rate5.25%
Term36 months
Last UpdatedSep 19, 2026
Details
2026 (90% financing w/ 10% down payment)
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
100 E 20th St, Kansas City, MO, 64108
New - 2025 Auto Loan
5.91%
48 months
▼
APR5.91%
Interest Rate5.30%
Term48 months
Last UpdatedSep 18, 2026
Details
Published APR range: 5.91%-10.73%; Published rate range: 5.30%-10.10%.
St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
8924 Saint Charles Rock Rd, Saint Louis, MO, 63114
2026 New Vehicle Loan
5.96%
48 months
▼
APR5.96%
Interest Rate5.50%
Term48 months
Last UpdatedSep 19, 2026
Details
2026 (90% financing w/ 10% down payment)
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72-month term
▼
APR5.99%
Term72-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedSep 18, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
Powered by
MonitorBankRates
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-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedSep 21, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedSep 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.39%
60 month
▼
APR4.39%
Term60 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.94%
2350 E Bennett St, Springfield, MO, 65804 1732
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedSep 18, 2026
Details
As Low As
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
63 Months
▼
APR4.49%
Term63 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.49%
37-48 Months
▼
APR4.49%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedSep 18, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedSep 21, 2026
Details
As low as
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 18, 2026
Details
2015-2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
620 N Maguire St, Warrensburg, MO, 64093
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
▼
APR4.60%
Term84 months
Last UpdatedSep 21, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedSep 18, 2026
Details
As Low As
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
550 S Muldrow St, Mexico, MO, 65265 2014
New or Used Auto Loan
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
4.75%
60 months max term
▼
APR4.75%
Interest Rate4.75%
Term60 months max term
Last UpdatedSep 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedSep 18, 2026
Details
As Low As; Minimum loan amount $500
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 18, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
As Low As; 2019-2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Cars Loan
4.89%
up to 84 months
▼
APR4.89%
Termup to 84 months
Last UpdatedSep 18, 2026
Details
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply.
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
3301 Texas Ave, Joplin, MO, 64804
New and Pre-Owned Auto Loan
4.89%
72 month
▼
APR4.89%
Term72 month
Last UpdatedSep 18, 2026
Details
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedSep 21, 2026
Details
As low as
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedSep 21, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedSep 16, 2026
Details
As Low As*
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 18, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
Pre-Owned 2022-2024 Auto Loan
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as; please call for details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
161 US Highway 60 W, Republic, MO, 65738
Pre-Owned Auto Loan (2022-2024)
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedSep 18, 2026
Details
As low as 4.99% APR
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedSep 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60 months
▼
APR4.99%
Term48-60 months
Last UpdatedSep 18, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
4.99%
1-36 months
▼
APR4.99%
Term1-36 months
Last UpdatedSep 18, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
13-24 months
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
25-36 months
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
37-48 months
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedSep 21, 2026
Details
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
4.99%
49-60 months
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedSep 21, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedSep 21, 2026
Details
As low as
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
Used Auto Loan
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedSep 21, 2026
Details
Term: Up to 84 months Model 2023-2022; Published APR range: 4.99% - 13.24%.
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.00%
72 months max term
▼
APR5.00%
Interest Rate5.00%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 18, 2026
Details
2022-2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedSep 18, 2026
Details
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedSep 18, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
Used Autos
5.24%
37-48 months
▼
APR5.24%
Term37-48 months
Last UpdatedSep 18, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedSep 21, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedSep 21, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedSep 21, 2026
Details
As low as
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2022 and Newer)
5.25%
84 months max term
▼
APR5.25%
Interest Rate5.25%
Term84 months max term
Last UpdatedSep 18, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedSep 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
37-48 months
▼
APR5.29%
Term37-48 months
Last UpdatedSep 16, 2026
Details
As Low As*
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
49-60 months
▼
APR5.29%
Term49-60 months
Last UpdatedSep 16, 2026
Details
As Low As*
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.30%
1 - 48 Months
▼
APR5.30%
Term1 - 48 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.30%
49 - 60 Months
▼
APR5.30%
Term49 - 60 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026 Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedSep 21, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles Loan
5.35%
6 YEAR REPAY
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2018-2024
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedSep 18, 2026
Details
APR reflects AutoPay .25% deduction
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36-month term
▼
APR5.49%
Term36-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48-month term
▼
APR5.49%
Term48-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 18, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 to 2018)
5.50%
60 months max term
▼
APR5.50%
Interest Rate5.50%
Term60 months max term
Last UpdatedSep 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72 months
▼
APR5.50%
Term61-72 months
Last UpdatedSep 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 18, 2026
Details
2023-2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
1500 Saint Louis Ave, Saint Louis, MO, 63106
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
1280 S Highway Dr, Fenton, MO, 63026 1913
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedSep 18, 2026
Details
As Low As
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60-month term
▼
APR5.74%
Term60-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedSep 21, 2026
Details
As low as
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
1905 Howard St, Saint Joseph, MO, 64501 1540
2026 thru 2019 Used Auto
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedSep 18, 2026
Details
Year: 2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 to 2018)
5.75%
72 months max term
▼
APR5.75%
Interest Rate5.75%
Term72 months max term
Last UpdatedSep 18, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
25 months
▼
APR5.75%
Term25 months
Last UpdatedSep 18, 2026
Details
Term: For vehicles $25,000 + will lend up to 72 months.; 2022 - 2019 Model Years *Interest rates are based on individual credit scores and are subject to change.
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
14323 S Outer 40 Rd Ste 100, Town and Country, MO, 63017
Used Vehicles Loan
5.75%
up to 72 months
▼
APR5.75%
Termup to 72 months
Last UpdatedSep 18, 2026
Details
2022 - 2019 Model Years; For vehicles $25,000 + will lend up to 72 months.
Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 18, 2026
Details
Up to 100% NADA Retail
PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 21, 2026
Details
As Low As; 2025 to 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
Used Vehicle Loan
5.80%
61 - 72 Months
▼
APR5.80%
Term61 - 72 Months
Last UpdatedSep 18, 2026
Details
Model Year: 2025 - 2027
Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
1221 E Grand St, Springfield, MO, 65804
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72-month term
▼
APR5.99%
Term72-month term
Last UpdatedSep 18, 2026
Details
Credit Score: 730+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedSep 18, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
820 E Main St, Park Hills, MO, 63601 2716
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedSep 18, 2026
Details
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
New/Used Auto Loans
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedSep 21, 2026
Details
As Low As; Model Years: 2018-2021
United Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
109 Lindsey Dr, Hannibal, MO, 63401
Used Auto Loan
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedSep 21, 2026
Details
Term: Up to 60 months Model 2021-2017; Published APR range: 5.99% - 14.24%.
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
6.00%
12 mos.
▼
APR6.00%
Term12 mos.
Last UpdatedSep 16, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
6.00%
24 mos.
▼
APR6.00%
Term24 mos.
Last UpdatedSep 16, 2026
Details
As Low As
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MonitorBankRates
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.
New Auto Loan MO Avg
5.549%
▼ 0.048 vs 7 days ago
Missouri new auto rates fell 0.048 points over the past 7 days to 5.549% APR.
Used Auto Loan MO Avg
6.001%
▲ 0.074 vs 7 days ago
Missouri used auto rates rose 0.074 points over the past 7 days to 6.001% APR.
As of Sep 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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
5.55%
APR, as of Sep 22, 2026
6-Month Forecast
5.63%
Fed hold assumed
12-Month Forecast
5.70%
Range: 5.35% to 5.90%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average 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 @ 5.55% APR MO average | Used Auto @ 6.00% APR MO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.85/mo | $290.00/mo | $3.15/mo |
| $25,000 | $478.09/mo | $483.34/mo | $5.25/mo |
| $35,000 | $669.33/mo | $676.67/mo | $7.34/mo |
| $45,000 | $860.56/mo | $870.01/mo | $9.44/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in 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?
- Saving up for a bigger down payment: park it in a Missouri high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Missouri CD rates lock in a guaranteed return until you’re ready to buy
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%
$574/mo
Payment on a $30K / 60-mo Loan
At MO new-auto avg 5.55% APR
A $574 monthly car payment works out to roughly 16.1% of the median individual income in Missouri. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in 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 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in 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.
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.
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:
- Baxter Credit Union: 3.64% (Auto Loans - 2025 & Newer)
- Mercy Credit Union: 3.74% (2025-2026 New Vehicle Loan)
- FRB Federal Credit Union: 3.99% (New Auto)
- R-G Federal Credit Union: 3.99% (New Vehicle loan)
- 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: September 21, 2026
Auto Loan Rates by City in Missouri
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