Credit union · NCUA insured
Missouri Central Credit Union Auto Loan Rates
Missouri Central Credit Union auto loans start at 5.20% APR for a new vehicle and 5.30% for a used one. Rates checked October 16, 2026.
How Missouri Central Credit Union’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where Missouri Central Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Missouri Central Credit Union
5.20%APR
- Terms
- 49–60 months
- Up to
- 14.89% APR
2025 - 2027 New Vehicle Loan
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
- —
Missouri Central Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.20%
- Used vehicleUsed5.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Missouri Central 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.
2017 - 2019 Used Vehicle Loan
All loans are simple interest. Max LTV 80%. Max mileage = 150k. Additional discounts up to 1% may be available based on other services/factors with Missouri Central Credit Union. No application fees, no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 7.20%–15.89% | Term: 1 - 48 months. Max LTV 80%. Max mileage = 150k. |
| 49–60 months | 7.20%–16.89% | Term: 49 - 60 months. Max LTV 80%. Max mileage = 150k. |
2020 - 2022 Used Vehicle Loan
All loans are simple interest. Rates subject to change. Max LTV 140%. Max mileage = 150k. Additional discounts up to 1% may be available based on other services/factors with Missouri Central Credit Union. No application fees, no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 6.20%–14.89% | Term: 1 - 48 months. Max LTV 140%. Max mileage = 150k. |
| 49–60 months | 6.20%–15.89% | Term: 49 - 60 months. Max LTV 140%. Max mileage = 150k. |
| 61–72 months | 6.70%–15.89% | Term: 61 - 72 months. Max LTV 140%. Max mileage = 150k. |
| 73–84 months | 7.20%–15.98% | Term: 73 - 84 months. Max LTV 140%. Max mileage = 150k. |
2023 - 2026 Used Vehicle Loan
All loans are simple interest. Rates subject to change. Max LTV 140%. Max mileage = 150k. Additional discounts up to 1% may be available based on other services/factors with Missouri Central Credit Union. No application fees, no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 5.30%–13.99% | Term: 1 - 48 months. Max LTV 140%. Max mileage = 150k. |
| 49–60 months | 5.30%–14.99% | Term: 49 - 60 months. Max LTV 140%. Max mileage = 150k. |
| 61–72 months | 5.80%–14.99% | Term: 61 - 72 months. Max LTV 140%. Max mileage = 150k. |
| 73–84 months | 6.30%–15.08% | Term: 73 - 84 months. Max LTV 140%. Max mileage = 150k. |
2025 - 2027 New Vehicle Loan
All loans are simple interest. Max LTV 140%. Max mileage = 15k (15k or more considered used auto). Additional discounts up to 1% may be available based on other services/factors with Missouri Central Credit Union. No application fees, no prepayment penalties.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 5.20%–13.89% | Term: 1 - 48 months. Max LTV 140%. Max miles: 15,000. |
| 49–60 months | 5.20%–14.89% | Term: 49 - 60 months. Max LTV 140%. Max miles: 15,000. |
| 61–72 months | 5.70%–14.89% | Term: 61 - 72 months. Max LTV 140%. Max miles: 15,000. |
| 73–84 months | 6.20%–14.98% | Term: 73 - 84 months. Max LTV 140%. Max miles: 15,000. |
Used Motorcycle Loan
Max LTV 110%. 61 – 72 months not available in all categories. Rates effective July 16, 2026. All rates subject to credit approval and underwriting factors.
| Terms | APR | Conditions |
|---|---|---|
| 1–48 months | 7.75%–15.50% | Term: 1 – 48 months. Max LTV 110%. |
| 49–60 months | 8.25%–16.20% | Term: 49 – 60 months. Max LTV 110%. |
| 61–72 months | 9.00%–14.45% | Term: 61 – 72 months. Max LTV 110%. Not available in all categories. |
Who can join Missouri Central Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.