Bank · FDIC insured
Exchange Bank & Trust Auto Loan Rates
Exchange Bank & Trust auto loans start at 5.35% APR for a new vehicle and 5.35% for a used one. Rates checked October 16, 2026.
How Exchange Bank & Trust’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Exchange Bank & Trust has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Exchange Bank & Trust
5.35%APR
- Terms
- —
Auto Loans
Lowest rate
Nova Credit Union
3.95%APR
- Terms
- —
2nd-lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
Exchange Bank & Trust auto loan score
76
Auto loan score
Higher than 41% of U.S. banks and credit unions
- New vehicleNew5.35%
- Used vehicleUsed5.35%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Exchange Bank & Trust 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 Loans
| Terms | APR | Conditions |
|---|---|---|
| — | 5.35% | Rate shown as low as. Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+). Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval. |
Sources (3)
- ebt.bank/personal/personal-loans
- ebt.bank/support/tools/rates.html
- ebt.bank/personal/personal-loans/auto-loans.html
All captured Oct 7, 2026
Opening an account
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