Bank · FDIC insured
UMB Bank Auto Loan Rates
Top CarrotUMB Bank auto loans start at 6.09% APR for a new vehicle. Rates checked October 16, 2026.
How UMB Bank’s auto loan rates compare
Compared with banks and credit unions near Kansas City, MO-KS, where UMB Bank has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
UMB Bank
6.09%APR
- Terms
- up to 60 months
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
UMB Bank auto loan score
63
Auto loan score
Higher than 8% of U.S. banks and credit unions
- New vehicleNew6.09%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where UMB 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
For purchasing a new or used vehicle (car or truck) or refinancing an existing auto loan. Consumer titled, personal use vehicles only. Refinancing not available for existing UMB auto loans. Minimum loan amount of $7,500.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.09% | Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required. |
Sources (2)
All captured Oct 5, 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.