Perkins, Missouri Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Perkins, Missouri include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loan at 3.64%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 0.60% offering New Vehicles 2025-2026 Loan at 3.74%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, R-G Federal Credit UnionR-G Federal Credit UnionA+5.0 ★Texas Ratio: 4.63% offering New Vehicle loan at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit UnionA-5.0 ★Texas Ratio: 15.36% offering New/Used Auto Loans at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Perkins borrowers have access to 49 lenders serving the Missouri area, with auto loan rates as low as 3.64% APR from Baxter Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Perkins, Missouri. Auto Loan Rates Last Updated and Verified: September 22, 2026
Compare Auto Loan Rates Today in Perkins, Missouri & Surrounding Area
Perkins Auto Loan Rates
As Low As; 2025 & Newer
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As Low As
As Low As; 2025 & Newer
As Low As; 2025 to 2026
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as*; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; 2025 to 2026
As low as
As Low As*
As Low As*
As Low As
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As low as; 4.40%
As low as
Checking & Direct Deposit
As low as*; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; **APR is the Annual Percentage Rate.
As Low As
As Low As
Rates are based on applicant's credit bureau score and various discounts. **
Rates are based on applicant's credit bureau score and various discounts. **
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As
As Low As;
As Low As
As Low As; 2022 - 2024*
As Low As
As Low As; 2025 to 2026
Credit Score: 725 & Above
As Low As
As Low As
Model Year: 2026-2025
Rates are based on applicant's credit bureau score and various discounts. **
Published APR range: 4.75% - 9.75%. 2026 - 2023 Model Years. Interest rates are based on individual credit scores and are subject to change. For loans $30,000 + will lend up to 84 Months. Call the credit union for more details.
Term: For loans $30,000 + will lend up to 84 Months.; Published APR range: 4.75% - 9.75%. 2026 - 2023 Model Years; Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.
As Low As; Minimum loan amount $500
As Low As; Minimum loan amount $500
As low as; Up to 100% NADA Retail
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As*
As Low As
As Low As; 2019-2026
As low as
As Low As
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As Low As
As Low As*
As low as
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
Term: Up to 84 months Model 2026-2024; Published APR range: 4.99% - 13.24%.
Term: Up to 84 months Model 2023-2022; Published APR range: 4.99% - 13.24%.
Checking & Direct Deposit
As Low As; please call for details
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
Model Year: 2026-2027 (New or Used)
Model Year: 2026-2027 (New or Used)
As Low As
As Low As
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $5,000
New- 2025 - 2027 model
As Low As
Model Year: 2026-2025
Rates are based on applicant's credit bureau score and various discounts. **
Additional APR listed for this product: 5.25%, 6.25%, 10.00%, 12.00%, 14.00%.
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
As Low As
As Low As
As Low As
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As Low As
As low as
Checking & Direct Deposit
Checking & Direct Deposit
Checking & Direct Deposit
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $10,000
As Low As; 2025 to 2026
Credit Score: 725 & Above
As Low As
Model Year: 2026-2025
As Low As*
As Low As*
Credit Score: 750+ A+
Published APR range: 5.30% - 13.99%.; Model Year: 2025 - 2027
Published APR range: 5.30% - 14.99%.; Model Year: 2025 - 2027
As Low As
As Low As; 2018-2024
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Model Year: 2026-2027 (New or Used)
As Low As; Model Years: 2022 & Newer
AutoPay .25% deduction
AutoPay .25% deduction
AutoPay .25% deduction
Level 1 APR* (730+)
Level 1 APR* (730+)
/ln > $20k
As Low As; Model Year: 2017 - 2021; Minimum Loan Amount: $5,000
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As Low As
Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks.
Model Year: 2026-2025
Rates are based on applicant's credit bureau score and various discounts. **
Rates are based on applicant's credit bureau score and various discounts. **
$45,000; Rates are based on applicant's credit bureau score and various discounts. **
As Low As
As Low As
Additional APR listed for this product: 5.75%, 6.75%, 10.50%, 12.50%, 14.50%.
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As low as
Level 1 APR* (730+)
Checking & Direct Deposit
As Low As; Model Year: 2017 - 2021; Minimum Loan Amount: $10,000
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $15,000
As Low As; 2025 to 2026
Credit Score: 724-690
Credit Score: 725 & Above
As Low As; New or Used
Year: 2026 thru 2019
Term: For vehicles $25,000 + will lend up to 72 months.; Published APR range: 5.75% - 9.75%. 2022 - 2019 Model Years; Interest rates are based on individual credit scores and are subject to change.
Published APR range: 5.75% - 9.75%. Used Vehicles 2022 - 2019 Model Years. We will loan up to MSRP / NADA Retail Value. For vehicles $25,000 + will lend up to 72 months.
As low as; NADA value over $10,000; Up to 100% NADA Retail
Additional APR listed for this product: 6.00%, 7.00%, 10.75%, 12.75%, 14.75%.
Credit Score: 750+ A+
Published APR range: 5.80% - 14.99%.; Model Year: 2025 - 2027
2026 (90% financing w/ 10% down payment)
Perkins New Auto Auto Loan Rates
As Low As;*
As Low As*
As Low As
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As Low As; 2025 to 2026
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; 2025 to 2026
As Low As*
As Low As*
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As low as; 4.40%
As low as
As Low As
As Low As
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As;
As Low As
As Low As; 2025 to 2026
As Low As
As Low As
Model Year: 2026-2025
As Low As; Minimum loan amount $500
As low as; Up to 100% NADA Retail
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As*
As Low As; 2019-2026
As low as
As Low As
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As low as
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
Term: Up to 84 months Model 2026-2024; Published APR range: 4.99% - 13.24%.
As low as*; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $5,000
New- 2025 - 2027 model
As Low As
Model Year: 2026-2025
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As
As Low As
As low as
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $10,000
As Low As; 2025 to 2026
As Low As
Model Year: 2026-2025
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As; Model Years: 2022 & Newer
AutoPay .25% deduction
Level 1 APR* (730+)
Level 1 APR* (730+)
/ln > $20k
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
Model Year: 2026-2025
As Low As
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As low as
Level 1 APR* (730+)
As Low As; Model Year: 2022 - New; Minimum Loan Amount: $15,000
As Low As; 2025 to 2026
2026 (90% financing w/ 10% down payment)
Perkins Used Auto Auto Loan Rates
As Low As
As Low As; 2025 to 2026
As low as*; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; 2025 to 2026
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As low as; 4.40%
As low as
As low as*; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; **APR is the Annual Percentage Rate.
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As
As Low As; 2025 to 2026
As Low As
As Low As; Minimum loan amount $500
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As; 2019-2026
As low as
Financing up to 125% for well qualified Members. Payment protection available. GAP, mechanical breakdown protection, and debt protection plans available. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.
As Low As; APR=Annual Percentage Rate (rate excludes loan fees)
As Low As
As Low As*
As low as
100% Financing with qualified credit; As Low As; Model Years: 2022 & Newer
Term: Up to 84 months Model 2023-2022; Published APR range: 4.99% - 13.24%.
As Low As; please call for details
As Low As
As Low As
Additional APR listed for this product: 5.25%, 6.25%, 10.00%, 12.00%, 14.00%.
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As
As Low As
As Low As
As low as
As low as*; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As
As Low As; 2025 to 2026
As Low As*
As Low As*
Published APR range: 5.30% - 13.99%.; Model Year: 2025 - 2027
Published APR range: 5.30% - 14.99%.; Model Year: 2025 - 2027
As Low As
As Low As; 2018-2024
As Low As; Model Years: 2022 & Newer
AutoPay .25% deduction
AutoPay .25% deduction
Level 1 APR* (730+)
Level 1 APR* (730+)
As Low As
Additional APR listed for this product: 5.75%, 6.75%, 10.50%, 12.50%, 14.50%.
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As Low As
As low as
Level 1 APR* (730+)
As Low As; 2025 to 2026
Year: 2026 thru 2019
Term: For vehicles $25,000 + will lend up to 72 months.; Published APR range: 5.75% - 9.75%. 2022 - 2019 Model Years; Interest rates are based on individual credit scores and are subject to change.
As low as; NADA value over $10,000; Up to 100% NADA Retail
Additional APR listed for this product: 6.00%, 7.00%, 10.75%, 12.75%, 14.75%.
Published APR range: 5.80% - 14.99%.; Model Year: 2025 - 2027
Perkins, MO Auto Loan Rate Trends
Compare local Perkins, 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.
Missouri new auto rates fell 0.048 points over the past 7 days to 5.549% APR.
Missouri used auto rates rose 0.074 points over the past 7 days to 6.001% APR.
Perkins, MO Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Missouri figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Missouri APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.55% APR MO average | Used Auto @ 6.00% APR MO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $286.85/mo | $290.00/mo | $3.15/mo |
| $25,000 | $478.09/mo | $483.34/mo | $5.25/mo |
| $35,000 | $669.33/mo | $676.67/mo | $7.34/mo |
| $45,000 | $860.56/mo | $870.01/mo | $9.44/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Perkins, Missouri
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Perkins, Missouri locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Missouri. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Perkins, Missouri high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Perkins, Missouri CD rates lock in a guaranteed return until you’re ready to buy
Missouri Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $574 monthly car payment works out to roughly 16.1% of the median individual income in Missouri. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Perkins, Missouri, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Perkins, Missouri. We’ve prefilled the APR with today’s MO new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Perkins, 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 Perkins, 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 Perkins, 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 Perkins, Missouri
How does my credit score affect my car loan rate in Missouri?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Perkins, Missouri?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Perkins, Missouri?
- Baxter Credit Union: 3.64% (Auto Loan)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
- FRB Federal Credit Union: 3.99% (New Auto)
- R-G Federal Credit Union: 3.99% (New Vehicle loan)
- Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
Perkins, Missouri Rates & Resources
