Auto Loan Rates in Independence, Missouri (MO) for May 2026
Content reviewed by
Brian McKay
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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 Independence, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Independence, Missouri include City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO, 64057 1226A5.0 ★Texas Ratio: 8.36% offering New & Used Autos at 4.84%, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO, 64055 5406A+5.0 ★Texas Ratio: 4.27% offering Used Vehicle Loan at 5.35%, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4545 S Noland Rd, Independence, MO, 64055B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Independence has 4 local institutions in our database, with auto loan rates as low as 4.84% APR from City Credit Union at 2550 S State Route 291, Independence, MO, 64057 1226. 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 Independence, Missouri. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Independence, Missouri & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2019-2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 6.25% - 14.89%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 6.50% - 15.89%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Older Vehicles (2004-2018) 85% LTV
7.28%
48 Months
▼
APR7.28%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Retail value greater than $3,000
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
7.50%
73 - 84
▼
APR7.50%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 7.50% - 15.98%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
13.99%
1 - 48
▼
APR13.99%
Term1 - 48
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
14.99%
49 - 72
▼
APR14.99%
Term49 - 72
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
15.08%
73 - 84
▼
APR15.08%
Term73 - 84
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedMay 12, 2026
Details
As Low As; Fixed-Rate
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
APR3.99%
Term66 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2024-2026 (New or Used)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details
As Low As; 4 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; 48 months max term
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
96 Months
▼
APR4.25%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2026/25/24/23/22 models
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2026/25/24/23/22 models
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 36 mo
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedMay 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2008 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedMay 10, 2026
Details
As Low As
APR4.99%
Term78 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2024-2026 (New or Used)
APR4.99%
Term12 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2022 - New; 12 - 48 ($5,000 min.)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2026/25/24/23/22 models
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 48 mo
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 36 mo
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2008 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.24%
1-36
▼
APR5.24%
Term1-36
Last UpdatedMay 10, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 60 mo
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 48 mo
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.39%
37-48
▼
APR5.39%
Term37-48
Last UpdatedMay 10, 2026
Details
As Low As
APR5.40%
Term42 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2024-2026 (New or Used)
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMay 10, 2026
Details
Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Spring Auto Loan Special
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Credit Score of 700+
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Loan > $20k
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2013 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.49%
49-60
▼
APR5.49%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
APR5.49%
Term12 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2017 - 2021; 12 - 48 ($5,000 min.)
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedMay 10, 2026
Details
As Low As
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2021/20/19/18 models
5.50%
36 Months
▼
APR5.50%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2026/25/24/23/22 models and over)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
$45,000; As Low As; rates are based on applicant's credit bureau score and various discounts
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 84 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 72 mo
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 60 mo
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2015 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details
As Low As; 7 YEAR REPAY
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 to 2018)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
APR5.95%
Term52 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2024-2026 (New or Used)
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As
Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Spring Auto Loan Special
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 10, 2026
Details
Credit Score of 670-699
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMay 10, 2026
Details
APR5.99%
Term78 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2022-2023
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As; APR - 2023 - 2025*
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedMay 10, 2026
Details
As Low As
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2021/20/19/18 models
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; rates are based on applicant's credit bureau score and various discounts
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 to 2018)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMay 10, 2026
Details
As Low As; months
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2015 or Newer (/ln > $20k)
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
APR6.25%
Term42 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2022-2023
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMay 10, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
Loan > $35k
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
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 UpdatedMay 10, 2026
Details
$20,000; As Low As; rates are based on applicant's credit bureau score and various discounts
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2025-2026
6.50%
120 Months
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms; (President must approve)
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
APR6.75%
Term52 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2022-2023
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2017 and Older)
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
▼
APR6.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2014 & older
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Vintage Autos 1990 & Older & Above
6.99%
62 months
▼
APR6.99%
Term62 months
Last UpdatedMay 10, 2026
Details
$12,501
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Vintage Autos 1990 & Older - Loan
6.99%
26 months
▼
APR6.99%
Term26 months
Last UpdatedMay 10, 2026
Details
$0 - $5,000
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedMay 10, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedMay 10, 2026
Details
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2017-2014 models
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
up to $15,000; As Low As; rates are based on applicant's credit bureau score and various discounts
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
7.19%
73-84
▼
APR7.19%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; months
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2022 or Newer (/ln > $35k)
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
7.25%
72 Months
▼
APR7.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
APR7.25%
Term52 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2016-2021
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Classic Car Loan
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; Used Vehicle APR (as Low as)
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedMay 10, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedMay 10, 2026
Details
Over $30,000
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2013 and earlier models
7.50%
24 Months
▼
APR7.50%
Term24 Months
Last UpdatedMay 10, 2026
Details
up to $8,000; As Low As; rates are based on applicant's credit bureau score and various discounts
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.88%
Vehicle Loans: 2017-2014 models
7.50%
48 Months
▼
APR7.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
up to $15,000; As Low As; rates are based on applicant's credit bureau score and various discounts
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
7.74%
84 months
▼
APR7.74%
Term84 months
Last UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2019-2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 10, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details
As Low As; 4 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As; 48 months max term
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 36 mo
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedMay 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% Financing with qualified credit
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedMay 10, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 48 mo
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 60 mo
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMay 10, 2026
Details
Loan > $20k
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedMay 10, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 84 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
New Auto Loan 72 mo
5.50%
72 Months
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
New Car
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details
As Low As; 7 YEAR REPAY
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 10, 2026
Details
Loan > $35k
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2025-2026
6.50%
120 Months
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms; (President must approve)
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2014 & older
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Rate
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedMay 10, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As; 2019-2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 6.25% - 14.89%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 6.50% - 15.89%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As; Max LTV: 120%
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
7.50%
73 - 84
▼
APR7.50%
Term73 - 84
Last UpdatedMay 10, 2026
Details
As Low As; APR Range: 7.50% - 15.98%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
13.99%
1 - 48
▼
APR13.99%
Term1 - 48
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
14.99%
49 - 72
▼
APR14.99%
Term49 - 72
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
Used Vehicle Loan
15.08%
73 - 84
▼
APR15.08%
Term73 - 84
Last UpdatedMay 10, 2026
Details
Max LTV: 80%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details
As Low As; 3 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details
As Low As; 4 YEAR REPAY
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 Months
▼
APR4.99%
Term24 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2008 or Newer
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 36 mo
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 Months
▼
APR5.24%
Term36 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2008 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.24%
1-36
▼
APR5.24%
Term1-36
Last UpdatedMay 10, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 48 mo
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details
As Low As; 6 YEAR REPAY
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.39%
37-48
▼
APR5.39%
Term37-48
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2013 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.49%
49-60
▼
APR5.49%
Term49-60
Last UpdatedMay 10, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2022 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As; 84 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
Used Auto Loan 60 mo
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2015 or Newer
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMay 10, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details
As Low As; 7 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 to 2018)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMay 10, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details
As Low As; 5 YEAR REPAY
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.37%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedMay 10, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 to 2018)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMay 10, 2026
Details
As Low As; months
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMay 10, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2015 or Newer (/ln > $20k)
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMay 10, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 10, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Used Vehicle
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2025-2026
6.50%
120 Months
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms; (President must approve)
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2017 and Older)
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
▼
APR6.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details
As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
▼
APR6.75%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2014 & older
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details
call for additional loan terms
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
6.99%
72 months
▼
APR6.99%
Term72 months
Last UpdatedMay 10, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 10, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
7.19%
73-84
▼
APR7.19%
Term73-84
Last UpdatedMay 10, 2026
Details
As Low As; months
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2024 or older Max age 16 years
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedMay 10, 2026
Details
Model Year: 2022 or Newer (/ln > $35k)
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
48 Months
▼
APR7.49%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedMay 10, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedMay 10, 2026
Details
Over $30,000
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Used Car
7.74%
84 months
▼
APR7.74%
Term84 months
Last UpdatedMay 10, 2026
Details
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MonitorBankRates
Independence, MO Auto Loan Rate Trends
Compare local Independence, 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
5.321%
▼ 0.871 vs 7 days ago
Missouri new auto rates fell 0.871 points over the past 7 days to 5.321% APR.
Used Auto Loan — MO Avg
6.654%
▼ 0.078 vs 7 days ago
Missouri used auto rates fell 0.078 points over the past 7 days to 6.654% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Independence, 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 Independence, 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 Independence, 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 Independence, Missouri?
Based on our current data, some of the lowest auto loan rates available in Independence, Missouri include:
- City Credit Union: 4.84% (New & Used Autos)
- Missouri Central Credit Union: 5.35% (Used Vehicle Loan)
- Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
- UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
- Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Independence, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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