Bank · FDIC insured
Commerce Bank Auto Loan Rates
Commerce Bank auto loans start at 6.59% APR for a new vehicle and 6.99% for a used one. Rates checked October 23, 2026.
How Commerce Bank’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Commerce Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Commerce Bank
6.59%APR
- Terms
- —
- Up to
- 10.29% APR
Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
- Up to
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
Commerce Bank auto loan score
62
Auto loan score
Higher than 6% of U.S. banks and credit unions
- New vehicleNew6.59%
- Used vehicleUsed6.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Commerce Bank ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Refinance
No fees at loan closing. Must be 18 years or older to apply. Subject to credit approval. Automatic payment discount of 0.25% available from a Commerce checking or savings account (not available on refinances of existing Commerce Bank loans or dealer loans). Extending loan term increases total finance charges.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.59%–10.29% | Motor Vehicle. Shared rate schedule from source p93 lines 17-22 applied via shared_sections. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Stated rate does not include 0.25% autopay discount. Minimum loan amount $7,000.00. |
| — | 6.99%–11.79% | Used Motor Vehicle. Shared rate schedule from source p93 lines 17-22 applied via shared_sections. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Stated rate does not include 0.25% autopay discount. Minimum loan amount $7,000.00. |
Sources (2)
- commercebank.com/personal/borr…oans/auto-loan-refinance
- commercebank.com/personal/borrow/vehicle-loans
All captured Oct 23, 2026
Auto Loans
Must be 18 years or older to apply. Subject to credit approval. Automatic payment discount of 0.25% available from a Commerce checking or savings account. Rate discount not available on dealer loans or refinances of Commerce Bank loans. No loan fees or early payoff fees.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.59%–10.29% | Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00. |
| — | 6.99%–11.79% | Used Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Subject to credit approval. Minimum loan amount $7,000.00. |
Sources (2)
- commercebank.com/personal/borrow/vehicle-loans
- commercebank.com/personal/borr…vehicle-loans/auto-loans
All captured Oct 23, 2026
Loans for Older Cars
Financing designed for older vehicles and classic cars, including cars over 100,000 miles if vehicle still has value and fits collateral guidelines. Must be 18 years or older. Subject to credit approval. 0.25% auto-deduct rate discount available.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.59%–10.29% | Motor Vehicle. Shared rate table from source p93 lines 17-22. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include 0.25% autopay discount. Minimum loan amount $7,000.00. |
| — | 6.99%–11.79% | Used Motor Vehicle. Shared rate table from source p93 lines 17-22. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include 0.25% autopay discount. Minimum loan amount $7,000.00. |
Sources (2)
- commercebank.com/personal/borr…le-loans/older-car-loans
- commercebank.com/personal/borrow/vehicle-loans
All captured Oct 23, 2026
Student Auto Loans
For students currently enrolled in undergraduate, graduate or technical school. Must be 18 years or older. FICO credit score required. Subject to credit approval. No fees at closing or early payoff fees. Rate discount cannot be combined with any other offer and is not available on dealer loans or refinances of Commerce Bank loans.
| Terms | APR | Conditions |
|---|---|---|
| — | 6.59%–10.29% | Motor Vehicle. Shared rate table from source p93 lines 17-22. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include autopay discount. Minimum loan amount $7,000.00. |
| — | 6.99%–11.79% | Used Motor Vehicle. Shared rate table from source p93 lines 17-22. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include autopay discount. Minimum loan amount $7,000.00. |
Sources (2)
- commercebank.com/personal/borr…loans/student-auto-loans
- commercebank.com/personal/borrow/vehicle-loans
All captured Oct 23, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.