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Auto Loan Rates in Meta, Missouri (MO) for July 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Meta, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: July 16, 2026

Current auto loan rates in Meta, 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.

Meta 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 Meta, Missouri. Auto Loan Rates Last Updated and Verified: July 16, 2026

Compare Auto Loan Rates Today in Meta, Missouri & Surrounding Area

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

Meta 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
View
▼
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
View
▼
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
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details

As Low As*

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
3.99%
66 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
Term37-48 Months
Last UpdatedJul 16, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
4.99%
78 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.35%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.40%
42 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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.
View
▼
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
View
▼
APR5.81%
Term60 Months
Last UpdatedJul 15, 2026
Details

As Low As; Loyalty Rate: 5.312%

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.95%
52 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.99%
Term73-84 Months
Last UpdatedJul 16, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.99%
78 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
6.25%
42 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.75%
Term84 Months
Last UpdatedJul 16, 2026
Details

Credit Score: 724-690

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
6.75%
52 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.25%
Term1 - 48 Months
Last UpdatedJul 16, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
7.25%
52 months
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.50%
TermUp to 72 months
Last UpdatedJul 16, 2026
Details

Credit Score: 600 - 624; Loan to Value: 95% of purchase price

Meta 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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.
View
▼
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
View
▼
APR7.50%
Term36 Months
Last UpdatedJul 7, 2026
Details

Rate with Maximum Discount*: 3.75%

Meta 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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJul 16, 2026
Details

Meta, MO Auto Loan Rate Trends

Compare local Meta, 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.

View Full Missouri Auto Trends →
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 Meta, 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 Meta, 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 Meta, 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 Meta, 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 Meta, 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 Meta, 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 Meta, Missouri?

Based on our current data, some of the lowest auto loan rates available in Meta, 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 Meta, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026

Meta, Missouri Rates & Resources

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