Bank · FDIC insured
INTRUST Bank Auto Loan Rates
INTRUST Bank auto loans start at 5.54% APR for a new vehicle and 5.54% for a used one. Rates checked October 16, 2026.
How INTRUST Bank’s auto loan rates compare
Compared with banks and credit unions near Wichita, KS, where INTRUST Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
INTRUST Bank
5.54%APR
- Terms
- up to 63 months
- Up to
- 16.65% APR
- Discount
- None included
Auto Loans
Lowest rate
Andover State Bank
4.70%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
2nd-lowest rate
White Eagle Credit Union
4.90%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- Included in the rate
INTRUST Bank auto loan score
72
Auto loan score
Higher than 30% of U.S. banks and credit unions
- New vehicleNew5.54%
- Used vehicleUsed5.54%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where INTRUST 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 Loans
Available for fully amortized secured loans of $3,000 or more. Rates vary depending on loan amount, loan term, credit score, vehicle model year, vehicle mileage, and fees. Insurance must be carried on the vehicle securing the loan. The contract rate will be .25% higher if payments are not automatically deducted from an INTRUST Bank checking account. The contract rate will be 5% higher if the vehicle model year is greater than 20 years old. Disclosed rates are an estimate based on information provided and are not guaranteed.
| Terms | APR | Conditions |
|---|---|---|
| up to 63 months | 5.54%–16.65% | Vehicle: 2024 and Newer, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (5.54% APR, 4.95% contract rate) to 609 or lower (16.65% APR, 16.00% contract rate) |
| up to 75 months | 6.50%–12.64% | Vehicle: 2024 and Newer, 79,999 miles or less; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (6.50% APR, 6.00% contract rate) to 610-639 (12.64% APR, 12.10% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 6.81%–8.11% | Vehicle: 2024 and Newer, 79,999 miles or less; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (6.81% APR, 6.50% contract rate) to 670-699 (8.11% APR, 7.80% contract rate); FICO below 670 is not offered ($0.00) |
| up to 63 months | 6.34%–17.16% | Vehicle: 2022 - 2023, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (6.34% APR, 5.75% contract rate) to 609 or lower (17.16% APR, 16.50% contract rate) |
| up to 75 months | 6.96%–12.79% | Vehicle: 2022 - 2023, 79,999 miles or less; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (6.96% APR, 6.45% contract rate) to 610-639 (12.79% APR, 12.25% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 7.31%–8.46% | Vehicle: 2022 - 2023, 79,999 miles or less; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (7.31% APR, 7.00% contract rate) to 670-699 (8.46% APR, 8.15% contract rate); FICO below 670 is not offered ($0.00) |
| up to 63 months | 6.59%–17.66% | Vehicle: 2020 - 2021, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (6.59% APR, 6.00% contract rate) to 609 or lower (17.66% APR, 17.00% contract rate) |
| up to 75 months | 7.01%–13.30% | Vehicle: 2020 - 2021, 79,999 miles or less; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (7.01% APR, 6.50% contract rate) to 610-639 (13.30% APR, 12.75% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 7.56%–8.81% | Vehicle: 2020 - 2021, 79,999 miles or less; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (7.56% APR, 7.25% contract rate) to 670-699 (8.81% APR, 8.50% contract rate); FICO below 670 is not offered ($0.00) |
| up to 63 months | 7.09%–18.17% | Vehicle: 2019 and Older, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (7.09% APR, 6.50% contract rate) to 609 or lower (18.17% APR, 17.50% contract rate) |
| up to 75 months | 8.52%–11.18% | Vehicle: 2019 and Older, 79,999 miles or less; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (8.52% APR, 8.00% contract rate) to 640-669 (11.18% APR, 10.65% contract rate); FICO below 640 is not offered ($0.00) |
| up to 63 months | 6.04%–17.16% | Vehicle: 2024 and Newer, 80,000 miles or more; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (6.04% APR, 5.45% contract rate) to 609 or lower (17.16% APR, 16.50% contract rate) |
| up to 75 months | 7.01%–13.14% | Vehicle: 2024 and Newer, 80,000 miles or more; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (7.01% APR, 6.50% contract rate) to 610-639 (13.14% APR, 12.60% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 7.31%–8.61% | Vehicle: 2024 and Newer, 80,000 miles or more; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (7.31% APR, 7.00% contract rate) to 670-699 (8.61% APR, 8.30% contract rate); FICO below 670 is not offered ($0.00) |
| up to 63 months | 6.84%–17.66% | Vehicle: 2022 - 2023, 80,000 miles or more; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (6.84% APR, 6.25% contract rate) to 609 or lower (17.66% APR, 17.00% contract rate) |
| up to 75 months | 7.46%–13.30% | Vehicle: 2022 - 2023, 80,000 miles or more; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (7.46% APR, 6.95% contract rate) to 610-639 (13.30% APR, 12.75% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 7.81%–8.96% | Vehicle: 2022 - 2023, 80,000 miles or more; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (7.81% APR, 7.50% contract rate) to 670-699 (8.96% APR, 8.65% contract rate); FICO below 670 is not offered ($0.00) |
| up to 75 months | 7.51%–13.80% | Vehicle: 2020 - 2021, 80,000 miles or more; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (7.51% APR, 7.00% contract rate) to 610-639 (13.80% APR, 13.25% contract rate); FICO 609 or lower is not offered ($0.00) |
| up to 84 months | 8.06%–9.32% | Vehicle: 2020 - 2021, 80,000 miles or more; Term: 84 months (Term 3); Example amount: $30,000; APR range spans FICO scores from 730+ (8.06% APR, 7.75% contract rate) to 670-699 (9.32% APR, 9.00% contract rate); FICO below 670 is not offered ($0.00) |
| up to 63 months | 7.60%–18.67% | Vehicle: 2019 and Older, 80,000 miles or more; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (7.60% APR, 7.00% contract rate) to 609 or lower (18.67% APR, 18.00% contract rate) |
| up to 75 months | 9.02%–11.69% | Vehicle: 2019 and Older, 80,000 miles or more; Term: 75 months (Term 2); Example amount: $20,000; APR range spans FICO scores from 730+ (9.02% APR, 8.50% contract rate) to 640-669 (11.69% APR, 11.15% contract rate); FICO below 640 is not offered ($0.00) |
Sources (2)
All captured Oct 5, 2026
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