Auto Loan Rates in Canalou, Missouri (MO) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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 Canalou, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Canalou, Missouri include Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026 Loan at 3.74%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.45% offering Auto Loans at 3.89%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.73% offering New Auto at 3.99%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.60% offering Auto Loan at 3.99%, PennTech Employees Federal Credit UnionPennTech Employees Federal Credit UnionA5.0 ★Texas Ratio: 6.77% offering New or Used Vehicles Loan at 4.15%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Canalou borrowers have access to 37 lenders serving the Missouri area, with auto loan rates as low as 3.74% APR from Mercy Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Canalou, Missouri. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Canalou, Missouri & Surrounding Area
Canalou Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 16, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As*
APR3.99%
Term66 months
Last UpdatedJul 16, 2026
Details
Model Year: 2024-2026 (New or Used)
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedJul 11, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 16, 2026
Details
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.25%
48 months max term
▼
APR4.25%
Term48 months max term
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedJul 12, 2026
Details
As Low As*
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 16, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.49%
1-36 Months
▼
APR4.49%
Term1-36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedJul 7, 2026
Details
2015-2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models
4.50%
36 months
▼
APR4.50%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.59%
37-48 Months
▼
APR4.59%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
Up to 72 mo.
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedJul 7, 2026
Details
Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedJul 7, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 725 & Above
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Auto Loan
4.75%
63 Mo.
▼
APR4.75%
Term63 Mo.
Last UpdatedJul 16, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models
4.75%
60 months
▼
APR4.75%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.75%
60 months max term
▼
APR4.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Vehicle Loans
4.75%
For loans $30,000 + will lend up to 84 Months.
▼
APR4.75%
TermFor loans $30,000 + will lend up to 84 Months.
Last UpdatedJul 16, 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.
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Vehicle Loans (2026 - 2023 Model Years)
4.75%
For loans $30,000 + will lend up to 84 Months.
▼
APR4.75%
TermFor loans $30,000 + will lend up to 84 Months.
Last UpdatedJul 16, 2026
Details
Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedJul 12, 2026
Details
As Low As*
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 16, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
4.99%
12 - 48 months
▼
APR4.99%
Term12 - 48 months
Last UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
4.99%
1-36 months
▼
APR4.99%
Term1-36 months
Last UpdatedJul 11, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As;*
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Term0-12 months
Last UpdatedJul 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Pre-Owned 2022-2024 Loan
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedJul 16, 2026
Details
As Low As; please call for details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
As Low As
APR4.99%
Term78 months
Last UpdatedJul 16, 2026
Details
Model Year: 2024-2026 (New or Used)
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedJul 7, 2026
Details
2022-2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 48 months
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models
5.00%
72 months
▼
APR5.00%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Credit Score: 750+; Loan to Value: 100% of purchase price
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.00%
72 months max term
▼
APR5.00%
Term72 months max term
Last UpdatedJul 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 48 mo
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 36 mo
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.19%
61-72 Months
▼
APR5.19%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
5.24%
37-48 months
▼
APR5.24%
Term37-48 months
Last UpdatedJul 11, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 72 Months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 725 & Above
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 60 months
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.25%
84 months max term
▼
APR5.25%
Term84 months max term
Last UpdatedJul 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
▼
APR5.29%
Term37-48 months
Last UpdatedJul 12, 2026
Details
As Low As;*
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 4.846%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
5.35%
6 YEAR REPAY
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; Used Vehicles
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48 Months
▼
APR5.35%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
APR5.40%
Term42 months
Last UpdatedJul 16, 2026
Details
Model Year: 2024-2026 (New or Used)
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
5.49%
12 - 48 months
▼
APR5.49%
Term12 - 48 months
Last UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedJul 16, 2026
Details
As Low As; $15,000 minimum
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
/ln > $20k
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
5.50%
12 mos.
▼
APR5.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
2023-2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto Loan
5.50%
96 months
▼
APR5.50%
Term96 months
Last UpdatedJul 15, 2026
Details
Rates as low as...
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedJul 16, 2026
Details
As Low As; Rate subject to change.
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 72 months
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models
5.50%
36 months
▼
APR5.50%
Term36 months
Last UpdatedJul 16, 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: 3.77%
Vehicle Loans: 2026/25/24/23/22 models and over)
5.50%
84 months
▼
APR5.50%
Term84 months
Last UpdatedJul 16, 2026
Details
$45,000; Rates are based on applicant's credit bureau score and various discounts. **
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
5.50%
Up to 84 months
▼
APR5.50%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Credit Score: 700 - 749; Loan to Value: 100% of purchase price
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 72 mo
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 60 mo
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.075%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 60 Months
▼
APR5.60%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
5.74%
Up to 60 months
▼
APR5.74%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedJul 7, 2026
Details
NADA value over $10,000; Up to 100% NADA Retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 60 Months
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 724-690
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 84 Months
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 725 & Above
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 36 months
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
5.75%
60 months max term
▼
APR5.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles (2022 - 2019 Model Years) Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedJul 16, 2026
Details
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: 0.13%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedJul 16, 2026
Details
2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change.
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.312%
APR5.95%
Term52 months
Last UpdatedJul 16, 2026
Details
Model Year: 2024-2026 (New or Used)
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000 minimum
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
As Low As
APR5.99%
Term78 months
Last UpdatedJul 16, 2026
Details
Model Year: 2022-2023
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 months
▼
APR6.00%
Term12 months
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.00%
49-60 months
▼
APR6.00%
Term49-60 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
6.00%
5 YEAR REPAY
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; Used Vehicles
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedJul 16, 2026
Details
As Low As; Rate subject to change.
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 48 months
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates are based on applicant's credit bureau score and various discounts. **
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
6.00%
Up to 84 months
▼
APR6.00%
TermUp to 84 months
Last UpdatedJul 16, 2026
Details
Credit Score: 675 - 699; Loan to Value: 100% of purchase price
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
6.00%
72 months max term
▼
APR6.00%
Term72 months max term
Last UpdatedJul 16, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.553%
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) Up to 63 months
6.09%
Up to 63 months
▼
APR6.09%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.10%
61 - 72 Months
▼
APR6.10%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
6.24%
Up to 72 months
▼
APR6.24%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
6.24%
Up to 84 months
▼
APR6.24%
TermUp to 84 months
Last UpdatedJul 7, 2026
Details
As Low As; $25,000 min.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.24%
72-75 months
▼
APR6.24%
Term72-75 months
Last UpdatedJul 16, 2026
Details
As Low As; $15,000 minimum
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Pre-Owned 2016-2021 Loan
6.24%
Up to 84 month terms
▼
APR6.24%
TermUp to 84 month terms
Last UpdatedJul 16, 2026
Details
As Low As; please call for details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.25%
61-72 months
▼
APR6.25%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.25%
61-72 months
▼
APR6.25%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Preowned Auto Loan
6.25%
96 months
▼
APR6.25%
Term96 months
Last UpdatedJul 15, 2026
Details
Rates as low as...
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 72 Months
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 724-690
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 60 months
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
APR6.25%
Term42 months
Last UpdatedJul 16, 2026
Details
Model Year: 2022-2023
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
61-72 months
▼
APR6.29%
Term61-72 months
Last UpdatedJul 12, 2026
Details
As Low As;*
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) 64-72 months
6.39%
72 Months
▼
APR6.39%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.49%
73-84 months
▼
APR6.49%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 16, 2026
Details
/ln > $35k
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 72 months
6.50%
72 months
▼
APR6.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models (Can go up to 72 mos if amount is or more
6.50%
72 months
▼
APR6.50%
Term72 months
Last UpdatedJul 16, 2026
Details
$20,000; Rates are based on applicant's credit bureau score and various discounts. **
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
6.50%
60 months
▼
APR6.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Model years 2026 - 2021; Credit score 700 - 749
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84 Months
▼
APR6.60%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.74%
73-84 months
▼
APR6.74%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
Up to 48 mo.
▼
APR6.75%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 60 Months
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 689-650
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 84 Months
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 724-690
APR6.75%
Term52 months
Last UpdatedJul 16, 2026
Details
Model Year: 2022-2023
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
6.75%
Up to 72 months
▼
APR6.75%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
Credit Score: 625 - 674; Loan to Value: 95% of purchase price
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older) Loan
6.75%
60 months max term
▼
APR6.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 6.298%
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000 minimum
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older & Above
6.99%
62 months
▼
APR6.99%
Term62 months
Last UpdatedJul 16, 2026
Details
$12,501; Base Rate (APR): 8.49%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older - Loan
6.99%
26 months
▼
APR6.99%
Term26 months
Last UpdatedJul 16, 2026
Details
$0 - $5,000; Base Rate (APR): 8.49%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedJul 16, 2026
Details
Base Rate (APR): 8.5%
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 24 months
7.00%
24 months
▼
APR7.00%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2017-2014 models
7.00%
36 months
▼
APR7.00%
Term36 months
Last UpdatedJul 16, 2026
Details
up to $15,000; Rates are based on applicant's credit bureau score and various discounts. **
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedJul 16, 2026
Details
Model years 2026 - 2021; Credit score 675 - 699
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 mos.
▼
APR7.10%
Term72 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) 73-84 months
7.19%
84 Months
▼
APR7.19%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loan 72 Months
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedJul 16, 2026
Details
Credit Score: 689-650
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 36 months
7.25%
36 months
▼
APR7.25%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.25%
1 - 48 Months
▼
APR7.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
APR7.25%
Term52 months
Last UpdatedJul 16, 2026
Details
Model Year: 2016-2021
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Credit Score 700 - 749; Loan to Value 100% of purchase price
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Older Vehicles (2004-2018) 85% LTV Loan
7.28%
Up to 48 months
▼
APR7.28%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As Low As; Retail value greater than $3,000
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 mos.
▼
APR7.35%
Term84 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Used Vehicle APR
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 3.75%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedJul 16, 2026
Details
Base Rate (APR): 9.0%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedJul 16, 2026
Details
Over $30,000; Base Rate (APR): 9.0%
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 48 months
7.50%
48 months
▼
APR7.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2013 and earlier models
7.50%
24 months
▼
APR7.50%
Term24 months
Last UpdatedJul 16, 2026
Details
up to $8,000; Rates are based on applicant's credit bureau score and various discounts. **
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2017-2014 models
7.50%
48 months
▼
APR7.50%
Term48 months
Last UpdatedJul 16, 2026
Details
up to $15,000; Rates are based on applicant's credit bureau score and various discounts. **
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
7.50%
Up to 72 months
▼
APR7.50%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
Credit Score: 600 - 624; Loan to Value: 95% of purchase price
Powered by
MonitorBankRates
Canalou New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedJul 16, 2026
Details
As Low As; **
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As*
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedJul 11, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 months
▼
APR4.24%
Term24 months
Last UpdatedJul 16, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.25%
48 months max term
▼
APR4.25%
Term48 months max term
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
▼
APR4.29%
Term37-48 months
Last UpdatedJul 12, 2026
Details
As Low As*
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.49%
1-36 Months
▼
APR4.49%
Term1-36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedJul 7, 2026
Details
2015-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.59%
37-48 Months
▼
APR4.59%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 months
▼
APR4.74%
Term48 months
Last UpdatedJul 16, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
Up to 72 mo.
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedJul 7, 2026
Details
Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedJul 7, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 36 months
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.75%
60 months max term
▼
APR4.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
▼
APR4.79%
Term61-72 months
Last UpdatedJul 12, 2026
Details
As Low As*
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.89%
49-60 Months
▼
APR4.89%
Term49-60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
4.99%
12 - 48 months
▼
APR4.99%
Term12 - 48 months
Last UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Term0-12 months
Last UpdatedJul 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As; 100% Financing with qualified credit
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJul 16, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedJul 7, 2026
Details
2022-2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 48 months
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.00%
72 months max term
▼
APR5.00%
Term72 months max term
Last UpdatedJul 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 48 mo
5.00%
48 months
▼
APR5.00%
Term48 months
Last UpdatedJul 16, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedJul 15, 2026
Details
APR* As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.19%
61-72 Months
▼
APR5.19%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.24%
Up to 60 months
▼
APR5.24%
TermUp to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 60 months
5.25%
60 months
▼
APR5.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.25%
84 months max term
▼
APR5.25%
Term84 months max term
Last UpdatedJul 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJul 16, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 4.846%
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedJul 16, 2026
Details
As Low As; $15,000 minimum
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedJul 16, 2026
Details
/ln > $20k
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
5.50%
12 mos.
▼
APR5.50%
Term12 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
2023-2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto Loan
5.50%
96 months
▼
APR5.50%
Term96 months
Last UpdatedJul 15, 2026
Details
Rates as low as...
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedJul 16, 2026
Details
As Low As; Rate subject to change.
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto 72 months
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates for 2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 72 mo
5.50%
72 months
▼
APR5.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.075%
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.74%
Up to 72 months
▼
APR5.74%
TermUp to 72 months
Last UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.312%
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000 minimum
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.99%
73-84 Months
▼
APR5.99%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 5.553%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
6.24%
Up to 84 months
▼
APR6.24%
TermUp to 84 months
Last UpdatedJul 7, 2026
Details
As Low As; $25,000 min.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.25%
61-72 months
▼
APR6.25%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.49%
73-84 months
▼
APR6.49%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 16, 2026
Details
/ln > $35k
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Loyalty Rate: 6.298%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedJul 16, 2026
Details
Base Rate (APR): 8.5%
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 mos.
▼
APR7.10%
Term72 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 mos.
▼
APR7.35%
Term84 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 3.75%
Powered by
MonitorBankRates
Canalou Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
4.24%
1-36 months
▼
APR4.24%
Term1-36 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
▼
APR4.49%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedJul 16, 2026
Details
As Low As; **APR is the Annual Percentage Rate.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
▼
APR4.50%
TermUp to 42 months
Last UpdatedJul 7, 2026
Details
2015-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
▼
APR4.75%
Term43 - 66 months
Last UpdatedJul 7, 2026
Details
2019-2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
▼
APR4.84%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
▼
APR4.89%
Term37 to 48 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
4.99%
1-36 months
▼
APR4.99%
Term1-36 months
Last UpdatedJul 11, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
▼
APR4.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
As Low As;*
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
▼
APR4.99%
Term0-12 months
Last UpdatedJul 15, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
▼
APR4.99%
Term49 to 60 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Pre-Owned 2022-2024 Loan
4.99%
Up to 84 month terms
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedJul 16, 2026
Details
As Low As; please call for details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
▼
APR5.00%
Term67 - 72 months
Last UpdatedJul 7, 2026
Details
2022-2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 36 mo
5.00%
36 months
▼
APR5.00%
Term36 months
Last UpdatedJul 16, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
5.24%
37-48 months
▼
APR5.24%
Term37-48 months
Last UpdatedJul 11, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
▼
APR5.24%
Term61 to 72 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJul 16, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.25%
37-48 months
▼
APR5.25%
Term37-48 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
▼
APR5.29%
Term37-48 months
Last UpdatedJul 12, 2026
Details
As Low As;*
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
5.35%
6 YEAR REPAY
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; Used Vehicles
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48 Months
▼
APR5.35%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedJul 16, 2026
Details
As Low As; $15,000 minimum
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
▼
APR5.50%
Term73 - 84 months
Last UpdatedJul 7, 2026
Details
2023-2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 60 mo
5.50%
60 months
▼
APR5.50%
Term60 months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 60 Months
▼
APR5.60%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedJul 16, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
▼
APR5.74%
Term73 to 84 months
Last UpdatedJul 15, 2026
Details
As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
Up to 60 mo.
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedJul 7, 2026
Details
NADA value over $10,000; Up to 100% NADA Retail
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; New or Used Vehicles
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 36 months
5.75%
36 months
▼
APR5.75%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
5.75%
60 months max term
▼
APR5.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles (2022 - 2019 Model Years) Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedJul 16, 2026
Details
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: 0.13%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedJul 16, 2026
Details
2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change.
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
5.99%
49-60 months
▼
APR5.99%
Term49-60 months
Last UpdatedJul 11, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000 minimum
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 months
▼
APR6.00%
Term12 months
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.00%
49-60 months
▼
APR6.00%
Term49-60 months
Last UpdatedJul 11, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
6.00%
5 YEAR REPAY
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedJul 15, 2026
Details
As Low As; Used Vehicles
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedJul 16, 2026
Details
As Low As; Rate subject to change.
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 48 months
6.00%
48 months
▼
APR6.00%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
6.00%
72 months max term
▼
APR6.00%
Term72 months max term
Last UpdatedJul 16, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) Up to 63 months
6.09%
Up to 63 months
▼
APR6.09%
TermUp to 63 months
Last UpdatedJul 16, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.10%
61 - 72 Months
▼
APR6.10%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.24%
72-75 months
▼
APR6.24%
Term72-75 months
Last UpdatedJul 16, 2026
Details
As Low As; $15,000 minimum
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Pre-Owned 2016-2021 Loan
6.24%
Up to 84 month terms
▼
APR6.24%
TermUp to 84 month terms
Last UpdatedJul 16, 2026
Details
As Low As; please call for details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.25%
61-72 months
▼
APR6.25%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.25%
61-72 months
▼
APR6.25%
Term61-72 months
Last UpdatedJul 11, 2026
Details
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 60 months
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
61-72 months
▼
APR6.29%
Term61-72 months
Last UpdatedJul 12, 2026
Details
As Low As;*
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) 64-72 months
6.39%
72 Months
▼
APR6.39%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New & Used Auto
6.49%
73-84 months
▼
APR6.49%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJul 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 72 months
6.50%
72 months
▼
APR6.50%
Term72 months
Last UpdatedJul 16, 2026
Details
Rates for 2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84 Months
▼
APR6.60%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Autos
6.74%
73-84 months
▼
APR6.74%
Term73-84 months
Last UpdatedJul 11, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
Up to 48 mo.
▼
APR6.75%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older) Loan
6.75%
60 months max term
▼
APR6.75%
Term60 months max term
Last UpdatedJul 16, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedJul 16, 2026
Details
As Low As; $20,000 minimum
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 24 months
7.00%
24 months
▼
APR7.00%
Term24 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJul 16, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) 73-84 months
7.19%
84 Months
▼
APR7.19%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 36 months
7.25%
36 months
▼
APR7.25%
Term36 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.25%
1 - 48 Months
▼
APR7.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedJul 16, 2026
Details
As Low As; Used Vehicle APR
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedJul 16, 2026
Details
Base Rate (APR): 9.0%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedJul 16, 2026
Details
Over $30,000; Base Rate (APR): 9.0%
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto 48 months
7.50%
48 months
▼
APR7.50%
Term48 months
Last UpdatedJul 16, 2026
Details
Rates for 2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details
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MonitorBankRates
Canalou, MO Auto Loan Rate Trends
Compare local Canalou, MO 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
5.599%
▲ 0.262 vs 7 days ago
Missouri new auto rates rose 0.262 points over the past 7 days to 5.599% APR.
Used Auto Loan — MO Avg
6.092%
▼ 0.120 vs 7 days ago
Missouri used auto rates fell 0.120 points over the past 7 days to 6.092% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Canalou, 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 Canalou, 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 Canalou, 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 Canalou, 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 Canalou, 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 Canalou, 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.
What are the best Auto Loan rates in Canalou, Missouri?
Based on our current data, some of the lowest auto loan rates available in Canalou, Missouri include:
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
- Americas Credit Union: 3.89% (Auto Loans)
- FRB Federal Credit Union: 3.99% (New Auto)
- County Credit Union: 3.99% (Auto Loan)
- PennTech Employees Federal Credit Union: 4.15% (New or Used Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Canalou, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
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