Saint Louis, Missouri Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Saint Louis, Missouri auto loan rates range from 3.49% to 15.99% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Saint Louis, Missouri include Multi-States Credit UnionMulti-States Credit Union621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235A+5.0 ★Texas Ratio: 2.17% offering New Vehicles Loan at 3.49%, FRB Federal Credit UnionFRB Federal Credit UnionFEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102A5.0 ★Texas Ratio: 9.32% offering New Auto at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit Union1407 Washington Ave, Saint Louis, MO, 63103 1920A-4.9 ★Texas Ratio: 16.06% offering New/Used Auto Loans at 3.99%, Century Credit UnionCentury Credit Union1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405A+5.0 ★Texas Ratio: 1.27% offering New Auto, Truck, SUV & Van at 4.24%, Health Care Family Credit UnionHealth Care Family Credit Union2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406A5.0 ★Texas Ratio: 10.68% offering New Auto at 4.49%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Saint Louis has 19 local institutions in our database, with auto loan rates as low as 3.49% APR from Multi-States Credit Union at 621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235. 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 Saint Louis, Missouri. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Saint Louis, Missouri & Surrounding Area
Saint Louis Auto Loan Rates
As Low As; Model Year: 2025-2026
As Low As*
As Low As
As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage
- Oct 9, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As*
As Low As*
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published rate range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; Model years 2018 to 2023; APR*
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Minimum loan amount $500
As Low As; Minimum loan amount $500
Published rate range: 4.75%-15.75%. Model Year: 2019-2026
As Low As*
As Low As*
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Model years 2018 to 2023; APR*
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Model Year: 2026-2027 (New or Used); Loan minimum: $10,000; Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As
As Low As
Published rate range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As
As Low As
As Low As; Model years 2018 to 2023; APR*
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As*
As Low As*
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
As Low As
Published rate range: 5.50%-8.00%. Model Year: 2023-2026
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
As Low As; Model years 2018 to 2023; APR*
As Low As
- Sep 30, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
As Low As
As Low As
As Low As
As Low As
Annual Percentage Rate based on a $10,000 loan with a $100 origination fee. If you borrowed $10,000 for 60 months at 5.75%, your monthly payment would be $195.92, with an APR of 6.13%. APR and payment calculated on no payment for first 90 days of loan.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As
- Sep 30, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Model Year: 2024-2025 (Used); Effective Sept. 1, 2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As*
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
We will finance 90% of purchase price or NADA Retail Value, whichever is less. Annual Percentage Rate based on a $10,000 loan with $100 origination fee. If you borrowed $10,000 for 60 months at 6.00%, your monthly payment would be $197.19, with an APR of 6.39%. APR and payment calculated on no payment for first 90 days of loan.
As Low As
Auto Loan Rates
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Model Year: 2026-2027 (New or Used); Loan minimum: $15,000; Effective Sept. 1, 2026
As Low As
As Low As; Minimum loan amount $25,000
As Low As; Minimum loan amount $25,000
Published rate range: 6.50%-7.00%. Model Year: 2025-2026; (President must approve)
As Low As; Model years 2018 to 2023; APR*
Model Year: 2024-2025 (Used); Effective Sept. 1, 2026
- Sep 18, 20266.75%▼ from 7.25%
- Sep 14, 20267.25%first recorded
Model Year: 2016-2023 (Used); Effective Sept. 1, 2026
- Sep 18, 20266.75%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Published rate range: 6.75%-17.75%. Model Year: 2014 & older
Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Model Year: 2024-2025 (Used); Effective Sept. 1, 2026
As Low As
As Low As
As Low As; $75 origination fee applicable. Stated APR is based on a new purchase - 2026 model. Other rates are available for other model years and refinances. Subject to credit approval. Other terms and conditions may apply. Rates are effective November 20, 2025 and are subject to change. Automatic payment debit from Montgomery Bank account is required to get stated rate.
Model Year: 2016-2023 (Used); Effective Sept. 1, 2026
As Low As; Stated APR is based on a new purchase - 2025 model. Automatic payment debit from Montgomery Bank account is required to get stated rate.
- Oct 2, 20267.47%▼ from 7.62%
- Sep 18, 20267.62%▲ from 7.22%
- Sep 15, 20267.22%first recorded
As Low As; Used Vehicle APR
Model Year: 2024-2025 (Used); Loan minimum: $10,000; Effective Sept. 1, 2026
As Low As
As Low As; New Vehicle APR
As Low As; Used Vehicle APR
As Low As; Used Vehicle APR
Model Year: 2016-2023 (Used); Effective Sept. 1, 2026
As Low As; New Vehicle APR
As Low As; Used Vehicle APR
As Low As; (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
Model Year: 2022 - New
Model Year: 2017 - 2021
Model Year: 2022 - New
- Oct 10, 20269.24%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Model Year: 2024-2025 (Used); Effective Sept. 1, 2026
As Low As; (New & Used) includes Campers, Trailers, Horse Trailers, ATVs, Snowmobiles, etc. Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
Model Year: 2017 - 2021
Model Year: 2022 - New
Model Year: 2017 - 2021
Model Year: 2022 - New
As Low As; New Vehicle APR
As Low As; Used Vehicle APR
Model Year: 2012 - 2016
- Oct 10, 20269.99%▲ from 7.74%
- Sep 14, 20267.74%first recorded
Model Year: 2017 - 2021
Model Year: 2022 - New
Model Year: 2012 - 2016
Model Year: 2017 - 2021
Minimum Loan Amount: $2,500.00 - $20,000.00
Model Year: 2012 - 2016
Model Year: 2012 - 2016
As Low As; New Vehicle APR
As Low As; Used Vehicle APR
Minimum Loan Amount: $2,500.00 - $20,000.00
As Low As; Loan amount: Less than $20,000
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As low as
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
Fixed APR; Model Year: 2025 or Newer
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As low as
As Low As
As Low As; Rates subject to change.
As Low As; APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral
- Oct 5, 20264.29%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As low as 4.40% APR
Fixed APR; Model Year: 2025 or Newer
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; APR* (as low as); lowest APR determined at application based on credit score
As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction
As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction
As Low As; Rates based on Applicant's Credit Bureau score.
- Oct 9, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026
As Low As
As Low As; Rates subject to change.
As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Fixed APR; Model Year: 2025 or Newer
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As Low As; Type: New or Used
As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score
As Low As; APR* (as low as); lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction
Published APR range: 4.75% - 9.75%. For loans $30,000+ will lend up to 84 Months; Interest rates are based on individual credit scores and are subject to change
Up to 100% NADA Retail
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026
As Low As; 2019-2026
As Low As; Loan Term
As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; New and used cars; Refinance an existing car loan at no cost; Rates effective October 1, 2026; Rates accurate as of 7/17/26
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As
As Low As
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Fixed APR; Model Year: 2025 or Newer
Model Year: 2008 or Newer; Max vehicle age 16 years
As Low As; Rates stated as annual percentage rates; actual rates determined by credit worthiness and collateral
- Sep 17, 20265.00%▼ from 5.50%
- Sep 12, 20265.50%first recorded
As Low As; Model Year: 2017 - 2024; APR* lowest available determined at application based on credit score
As Low As; APR* (as low as); lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rate as low as* (based on credit bureau score and discounts); 0.50% discount included for auto payment or payroll deduction
Credit score: 750+; Can borrow up to: 100% of purchase price; New: model year 2025 and newer with less than 15,000 miles
As Low As; Rates based on Applicant's Credit Bureau score.
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As
As Low As; APR*; Annual Percentage Rate; Rates effective as of 2/4/2026
As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate
Saint Louis New Auto Auto Loan Rates
As Low As; Model Year: 2025-2026
As Low As*
As Low As
As Low As*
As Low As*
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published rate range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Minimum loan amount $500
Published rate range: 4.75%-15.75%. Model Year: 2019-2026
As Low As*
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As
Published rate range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As
As Low As; Rates may vary based on creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As
Published rate range: 5.50%-8.00%. Model Year: 2023-2026
As Low As
Annual Percentage Rate based on a $10,000 loan with a $100 origination fee. If you borrowed $10,000 for 60 months at 5.75%, your monthly payment would be $195.92, with an APR of 6.13%. APR and payment calculated on no payment for first 90 days of loan.
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Auto Loan Rates
- Oct 5, 20266.49%▲ from 6.14%
- Sep 14, 20266.14%first recorded
As Low As; Minimum loan amount $25,000
Published rate range: 6.50%-7.00%. Model Year: 2025-2026; (President must approve)
Published rate range: 6.75%-17.75%. Model Year: 2014 & older
As Low As
Model Year: 2022 - New
Model Year: 2022 - New
- Oct 10, 20269.24%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Model Year: 2022 - New
Model Year: 2022 - New
Model Year: 2022 - New
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
As Low As
As Low As; Rates subject to change.
As low as
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
Fixed APR; Model Year: 2025 or Newer
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As Low As
As Low As; Rates subject to change.
As Low As; APR for illustration with term not exceeding 36 months; Final rate and term based on credit worthiness and collateral
- Oct 5, 20264.29%▲ from 3.99%
- Sep 17, 20263.99%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Loan Term
- Oct 10, 20264.34%▲ from 4.14%
- Sep 18, 20264.14%▲ from 3.89%
- Sep 14, 20263.89%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As low as 4.40% APR
Fixed APR; Model Year: 2025 or Newer
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As; APR* (as low as); lowest APR determined at application based on credit score
As Low As; Rates based on Applicant's Credit Bureau score.
- Oct 9, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
Fixed APR; Model Year: 2025 or Newer
As Low As; Model Year: 2025 to 2026; New or Used Vehicles
As Low As; Type: New or Used
As Low As; APR* (as low as); lowest APR determined at application based on credit score
Model Year: 2026-2025
Up to 100% NADA Retail
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; 2019-2026
As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate
As Low As
As Low As
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Fixed APR; Model Year: 2025 or Newer
As Low As; APR* (as low as); lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rates based on Applicant's Credit Bureau score.
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
As Low As
As Low As; Rates as of: 7/23/25; Loyalty/PFI Rate: -.50% reduction if member has automatic transfer and OFCU is primary financial institution (savings, checking, direct credit or debit and one loan); Current model year with less than 15,000 miles qualifies for New Vehicle rate
Saint Louis Used Auto Auto Loan Rates
As Low As
As Low As; Model Year: 2024 and Older; Low As Rate is based on a 5 year term; Terms may be based on credit score, model year and mileage
- Oct 9, 20264.24%▼ from 4.49%
- Sep 14, 20264.49%first recorded
2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published rate range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; Model years 2018 to 2023; APR*
2024-2026 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Minimum loan amount $500
Published rate range: 4.75%-15.75%. Model Year: 2019-2026
As Low As*
As Low As; Model years 2018 to 2023; APR*
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As
Published rate range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As
As Low As; Model years 2018 to 2023; APR*
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As*
As Low As*
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
2020-2023 model years; As Low As; Rates determined by creditworthiness of applicant. Includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As
Published rate range: 5.50%-8.00%. Model Year: 2023-2026
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model years 2018 to 2023; APR*
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As
As Low As
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As*
- Oct 5, 20266.34%▲ from 5.99%
- Sep 14, 20265.99%first recorded
We will finance 90% of purchase price or NADA Retail Value, whichever is less. Annual Percentage Rate based on a $10,000 loan with $100 origination fee. If you borrowed $10,000 for 60 months at 6.00%, your monthly payment would be $197.19, with an APR of 6.39%. APR and payment calculated on no payment for first 90 days of loan.
As Low As
As Low As; Vehicle Loan Rates; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Minimum loan amount $25,000
Published rate range: 6.50%-7.00%. Model Year: 2025-2026; (President must approve)
As Low As; Model years 2018 to 2023; APR*
Published rate range: 6.75%-17.75%. Model Year: 2014 & older
Minimum loan for 84 month term is $25,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20266.84%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As
As Low As
As Low As
As low as 4.40% APR
As Low As; Rates effective as of October 1, 2026; APR excludes loan fees; call a loan officer for details on rates, terms and possible rate discounts
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Type: New or Used
As Low As
As Low As; Rates subject to change.
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; 2019-2026
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit
Model Year: 2008 or Newer; Max vehicle age 16 years
Saint Louis, MO Auto Loan Rate Trends
Compare local Saint Louis, 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 rose 0.109 points over the past 7 days to 5.355% APR.
Missouri used auto rates fell 0.014 points over the past 7 days to 5.833% APR.
Saint Louis, 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 @ 5.35% APR MO average | Used Auto @ 5.83% APR MO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.51/mo | $288.83/mo | $3.31/mo |
| $25,000 | $475.85/mo | $481.38/mo | $5.52/mo |
| $35,000 | $666.20/mo | $673.93/mo | $7.73/mo |
| $45,000 | $856.54/mo | $866.48/mo | $9.94/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 Saint Louis, Missouri
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Saint Louis, 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 Saint Louis, 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: Saint Louis, 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 $571 monthly car payment works out to roughly 16.0% of the median individual income in Missouri. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Saint Louis, 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 to 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 to 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, 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.
Bad Credit Auto Loans in Saint Louis, Missouri
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Saint Louis, 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 Saint Louis, 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?
Can I get an auto loan with bad credit in Saint Louis, Missouri?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Saint Louis, Missouri?
- Multi-States Credit Union: 3.49% (New Vehicles Loan)
- FRB Federal Credit Union: 3.99% (New Auto)
- Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
- Century Credit Union: 4.24% (New Auto, Truck, SUV & Van)
- Health Care Family Credit Union: 4.49% (New Auto)
Saint Louis, Missouri Rates & Resources
