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Auto Loan Rates in O Fallon, Missouri (MO) for April 2026

Content reviewed by
Brian McKay Brian McKay
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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 O Fallon, 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: April 19, 2026

Current auto loan rates in O Fallon, Missouri include West Community Credit UnionWest Community Credit Union4161 Highway K, O Fallon, MO, 63368 8294A5.0 ★Texas Ratio: 11.50% offering Auto Loan at 4.49%, Together Credit UnionTogether Credit Union2531 Highway K, O Fallon, MO, 63368A+5.0 ★Texas Ratio: 5.65% offering New Auto at 4.64%, First Community Credit UnionFirst Community Credit Union3440 Highway K, O Fallon, MO, 63368 8138A+5.0 ★Texas Ratio: 3.72% offering New Auto Loans at 4.75%, Alliance Credit Union Fenton, MOAlliance Credit Union Fenton, MO1051 Highway K, O Fallon, MO, 63366 2912A+5.0 ★Texas Ratio: 4.34% offering New Vehicle at 4.89%, Vantage Credit UnionVantage Credit Union29 Ofallon Sq, O Fallon, MO, 63366A5.0 ★Texas Ratio: 6.30% offering Auto Loan at 7.99%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.

O Fallon has 5 local institutions in our database, with auto loan rates as low as 4.49% APR from West Community Credit Union at 4161 Highway K, O Fallon, MO, 63368 8294. 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 O Fallon, Missouri. Auto Loan Rates Last Updated and Verified: April 19, 2026

Compare Auto Loan Rates Today in O Fallon, Missouri & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedApr 19, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
6.24%
48 months
View
▼
APR6.24%
Term48 months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
6.50%
73-84 months
View
▼
APR6.50%
Term73-84 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
6.50%
73-84
View
▼
APR6.50%
Term73-84
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
7.24%
24 months
View
▼
APR7.24%
Term24 months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
7.49%
60 months
View
▼
APR7.49%
Term60 months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
7.74%
84 months
View
▼
APR7.74%
Term84 months
Last UpdatedApr 19, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
7.99%
12-48
View
▼
APR7.99%
Term12-48
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
8.49%
72 months
View
▼
APR8.49%
Term72 months
Last UpdatedApr 19, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
8.99%
Up to 60
View
▼
APR8.99%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
8.99%
84 months
View
▼
APR8.99%
Term84 months
Last UpdatedApr 19, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
9.24%
12-36
View
▼
APR9.24%
Term12-36
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
9.49%
Up to 48
View
▼
APR9.49%
TermUp to 48
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
9.74%
Up to 60
View
▼
APR9.74%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
29 Ofallon Sq, O Fallon, MO, 63366
Auto Loan
9.99%
Up to 72
View
▼
APR9.99%
TermUp to 72
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
9.99%
36 months
View
▼
APR9.99%
Term36 months
Last UpdatedApr 19, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
12.99%
72 months
View
▼
APR12.99%
Term72 months
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 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
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details

As Low As

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
View
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fixed-Rate up to 36 months

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2026 & Newer

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
3.99%
66 Months
View
▼
APR3.99%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 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
View
▼
APR4.24%
Term24 Months
Last UpdatedApr 19, 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
View
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details

As Low As; 4 YEAR REPAY

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR4.49%
Term30 months
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedApr 18, 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
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details

As Low As; 5 YEAR REPAY

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 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
View
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 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
View
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 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
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As; 100% Financing with qualified credit

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 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
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2008 or Newer

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

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
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2008 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedApr 18, 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
View
▼
APR5.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedApr 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR5.35%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR5.35%
Term6 Months
Last UpdatedApr 18, 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
View
▼
APR5.35%
Term6 Months
Last UpdatedApr 18, 2026
Details

As Low As; 6 YEAR REPAY

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.40%
42 Months
View
▼
APR5.40%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term78 months
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 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
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

/ln > $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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2013 or Newer

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 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
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2015 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedApr 18, 2026
Details

As Low As; 7 YEAR REPAY

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.95%
52 Months
View
▼
APR5.95%
Term52 Months
Last UpdatedApr 19, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedApr 18, 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
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedApr 19, 2026
Details

As Low As; APR - 2023 - 2025*

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.99%
78 Months
View
▼
APR5.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedApr 18, 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
View
▼
APR6.00%
Term5 Months
Last UpdatedApr 18, 2026
Details

As Low As; 5 YEAR REPAY

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR6.09%
TermUp to 63
Last UpdatedApr 18, 2026
Details

As Low As; months

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedApr 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
75 Months
View
▼
APR6.24%
Term75 Months
Last UpdatedApr 18, 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
View
▼
APR6.24%
Term84 months
Last UpdatedApr 18, 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
View
▼
APR6.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
6.25%
42 Months
View
▼
APR6.25%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR6.39%
Term64-72
Last UpdatedApr 18, 2026
Details

As Low As; months

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

/ln > $35k

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
6.75%
60 Months
View
▼
APR6.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
6.75%
52 Months
View
▼
APR6.75%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR6.99%
Term62 months
Last UpdatedApr 19, 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
View
▼
APR6.99%
Term26 months
Last UpdatedApr 19, 2026
Details

$0 - $5,000

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
New Autos, 100% Financed
7.00%
up to 74 months
View
▼
APR7.00%
Termup to 74 months
Last UpdatedApr 19, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedApr 18, 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
View
▼
APR7.19%
Term73-84
Last UpdatedApr 18, 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
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 19, 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
View
▼
APR7.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
7.25%
52 Months
View
▼
APR7.25%
Term52 Months
Last UpdatedApr 19, 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
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR7.50%
Term62 months
Last UpdatedApr 19, 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
View
▼
APR7.50%
Term68 months
Last UpdatedApr 19, 2026
Details

Over $30,000

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
7.75%
84 Months
View
▼
APR7.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 72 mo.

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2021-2022
8.00%
50 months
View
▼
APR8.00%
Term50 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2021-2022 - Loan
8.00%
56 months
View
▼
APR8.00%
Term56 months
Last UpdatedApr 19, 2026
Details

Over $10,000

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
8.00%
66 Months
View
▼
APR8.00%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2016-2021

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2018-2020
8.25%
44 months
View
▼
APR8.25%
Term44 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2018-2020 - Loan
8.50%
50 months
View
▼
APR8.50%
Term50 months
Last UpdatedApr 19, 2026
Details

Over $10,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
9.75%
60 Months
View
▼
APR9.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedApr 18, 2026
Details

As Low As; 4 YEAR REPAY

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
10.25%
72 Months
View
▼
APR10.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2011-2017
11.00%
38 months
View
▼
APR11.00%
Term38 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2011-2017 - Loan
11.00%
44 months
View
▼
APR11.00%
Term44 months
Last UpdatedApr 19, 2026
Details

Over $15,000

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
11.75%
84 Months
View
▼
APR11.75%
Term84 Months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2010 & Older
13.75%
32 months
View
▼
APR13.75%
Term32 months
Last UpdatedApr 19, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
14.75%
60 Months
View
▼
APR14.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
15.25%
72 Months
View
▼
APR15.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
16.75%
60 Months
View
▼
APR16.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
17.25%
72 Months
View
▼
APR17.25%
Term72 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedApr 19, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedApr 19, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1051 Highway K, O Fallon, MO, 63366 2912
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
New Auto Loans
6.50%
73-84 months
View
▼
APR6.50%
Term73-84 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedApr 19, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 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
View
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 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
View
▼
APR4.24%
Term24 Months
Last UpdatedApr 19, 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
View
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details

As Low As; 4 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 18, 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
View
▼
APR4.49%
Term30 months
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 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
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedApr 18, 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
View
▼
APR4.74%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details

As Low As; 5 YEAR REPAY

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 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
View
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As; 100% Financing with qualified credit

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedApr 19, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedApr 18, 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
View
▼
APR5.25%
Term6 Months
Last UpdatedApr 18, 2026
Details

As Low As; 6 YEAR REPAY

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedApr 18, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term78 months
Last UpdatedApr 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 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
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

/ln > $20k

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 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
View
▼
APR5.75%
Term7 Months
Last UpdatedApr 18, 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
View
▼
APR5.81%
Term60 Months
Last UpdatedApr 18, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As; Loyalty Rate

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedApr 18, 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
View
▼
APR6.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

/ln > $35k

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR7.00%
Termup to 74 months
Last UpdatedApr 19, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 72 mo.

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
2531 Highway K, O Fallon, MO, 63368
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
3440 Highway K, O Fallon, MO, 63368 8138
Used Auto Loans
6.50%
73-84
View
▼
APR6.50%
Term73-84
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedApr 18, 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
View
▼
APR4.25%
Term4 Months
Last UpdatedApr 18, 2026
Details

As Low As; 4 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedApr 18, 2026
Details

As Low As; 5 YEAR REPAY

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedApr 17, 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
View
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 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
View
▼
APR4.99%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As; 100% Financing with qualified credit

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
View
▼
APR4.99%
Term24 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2008 or Newer

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedApr 18, 2026
Details

As Low As

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
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2008 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedApr 18, 2026
Details

As Low As; 6 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedApr 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedApr 18, 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
View
▼
APR5.35%
Term6 Months
Last UpdatedApr 18, 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
View
▼
APR5.35%
Term6 Months
Last UpdatedApr 18, 2026
Details

As Low As; 6 YEAR REPAY

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As

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
View
▼
APR5.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2013 or Newer

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 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
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2015 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedApr 18, 2026
Details

As Low As; 7 YEAR REPAY

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 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
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedApr 18, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedApr 18, 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
View
▼
APR6.00%
Term5 Months
Last UpdatedApr 18, 2026
Details

As Low As; 5 YEAR REPAY

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.09%
Up to 63
View
▼
APR6.09%
TermUp to 63
Last UpdatedApr 18, 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
View
▼
APR6.24%
Term75 Months
Last UpdatedApr 18, 2026
Details

As Low As

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
View
▼
APR6.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 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
View
▼
APR6.39%
Term64-72
Last UpdatedApr 18, 2026
Details

As Low As; months

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedApr 18, 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
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedApr 18, 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
View
▼
APR7.19%
Term73-84
Last UpdatedApr 18, 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
View
▼
APR7.24%
Term84 Months
Last UpdatedApr 19, 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
View
▼
APR7.49%
Term48 Months
Last UpdatedApr 18, 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
View
▼
APR7.50%
Term62 months
Last UpdatedApr 19, 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
View
▼
APR7.50%
Term68 months
Last UpdatedApr 19, 2026
Details

Over $30,000

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2021-2022
8.00%
50 months
View
▼
APR8.00%
Term50 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2021-2022 - Loan
8.00%
56 months
View
▼
APR8.00%
Term56 months
Last UpdatedApr 19, 2026
Details

Over $10,000

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2018-2020
8.25%
44 months
View
▼
APR8.25%
Term44 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2018-2020 - Loan
8.50%
50 months
View
▼
APR8.50%
Term50 months
Last UpdatedApr 19, 2026
Details

Over $10,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedApr 18, 2026
Details

As Low As; 4 YEAR REPAY

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2011-2017
11.00%
38 months
View
▼
APR11.00%
Term38 months
Last UpdatedApr 19, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2011-2017 - Loan
11.00%
44 months
View
▼
APR11.00%
Term44 months
Last UpdatedApr 19, 2026
Details

Over $15,000

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Used Autos, 2010 & Older
13.75%
32 months
View
▼
APR13.75%
Term32 months
Last UpdatedApr 19, 2026
Details

O Fallon, MO Auto Loan Rate Trends

Compare local O Fallon, 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
5.463%
▲ 0.027 vs 7 days ago

Missouri new auto rates rose 0.027 points over the past 7 days to 5.463% APR.

Used Auto Loan — MO Avg
5.943%
▼ 0.151 vs 7 days ago

Missouri used auto rates fell 0.151 points over the past 7 days to 5.943% APR.

As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in O Fallon, 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 O Fallon, 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 O Fallon, 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 O Fallon, Missouri?

Based on our current data, some of the lowest auto loan rates available in O Fallon, Missouri include:
  • West Community Credit Union: 4.49% (Auto Loan)
  • Together Credit Union: 4.64% (New Auto)
  • First Community Credit Union: 4.75% (New Auto Loans)
  • Alliance Credit Union Fenton, MO: 4.89% (New Vehicle)
  • Vantage Credit Union: 7.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in O Fallon, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026

O Fallon, Missouri Rates & Resources

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