Credit union · NCUA insured
Horizon Credit Union Auto Loan Rates
Horizon Credit Union auto loans start at 4.75% APR for a new vehicle and 4.75% for a used one. Rates checked September 24, 2026.
How Horizon Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kirksville, MO, where Horizon Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Horizon Credit Union
4.75%APR
- Terms
- up to 60 months
Vehicle Loans: 2026/25/24/23/22 models
2nd-lowest rate
Connections Bank
5.99%APR
- Terms
- —
3rd-lowest rate
Equity Bank
6.76%APR
- Terms
- up to 60 months
Horizon Credit Union auto loan score
87
Auto loan score
Higher than 76% of U.S. banks and credit unions
- New vehicleNew4.75%
- Used vehicleUsed4.75%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Horizon Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Vehicle Loans: 2013 and earlier models
Rates based on applicant's credit bureau score (stated with 'A' paper) and include 0.50% discount for auto payment or payroll deduction. New money only. Up to 95% financing on JD Power value (80% for salvage title). Collision/comprehensive insurance required with max $1,000 deductible naming credit union as loss payee. Must be at least 18 (or have cosigner) and not have delinquent loans / caused a loss.
| Terms | APR | Conditions |
|---|---|---|
| up to 24 months | 7.50% | Up to $8,000. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 36 months | 7.50% | Up to $8,000. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 48 months | 8.00% | $8,000 and over. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
Vehicle Loans: 2017-2014 models
Rates based on applicant's credit bureau score (stated with 'A' paper) and include 0.50% discount for auto payment or payroll deduction. New money only. Up to 95% financing on JD Power value (80% for salvage title). Collision/comprehensive insurance required with max $1,000 deductible naming credit union as loss payee. Must be at least 18 (or have cosigner) and not have delinquent loans / caused a loss.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 7.00% | Up to $15,000. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 48 months | 7.50% | Up to $15,000. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 60 months | 8.00% | $15,000 and over. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
Vehicle Loans: 2021/20/19/18 models
Rates based on applicant's credit bureau score (stated with 'A' paper) and include 0.50% discount for auto payment or payroll deduction. New money only. Up to 95% financing on JD Power value (80% for salvage title). Collision/comprehensive insurance required with max $1,000 deductible naming credit union as loss payee. Must be at least 18 (or have cosigner) and not have delinquent loans / caused a loss.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 5.50% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 48 months | 5.50% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 60 months | 6.00% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 72 months | 6.50% | Can go up to 72 months if amount is $20,000 or more. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
Vehicle Loans: 2026/25/24/23/22 models
Rates based on applicant's credit bureau score (stated with 'A' paper) and include 0.50% discount for auto payment or payroll deduction. New money only. Up to 95% financing on sticker price on new vehicles / JD Power value on used vehicles (80% for salvage title). Collision/comprehensive insurance required with max $1,000 deductible naming credit union as loss payee. Must be at least 18 (or have cosigner) and not have delinquent loans / caused a loss.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.50% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 48 months | 4.50% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 60 months | 4.75% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 72 months | 5.00% | Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
| up to 84 months | 5.50% | Applies to loan amounts of $45,000 and over. Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction. |
Who can join Horizon Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.