Credit union · NCUA insured
Vantage Credit Union Auto Loan Rates
Vantage Credit Union auto loans start at 5.24% APR for a new vehicle and 5.24% for a used one. Rates checked October 16, 2026.
How Vantage Credit Union’s auto loan rates compare
Compared with banks and credit unions near St. Louis, MO-IL, where Vantage Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vantage Credit Union
5.24%APR
- Terms
- up to 60 months
- Up to
- —
Auto Loans
Lowest rate
St. Louis Policemen's Credit Union
3.50%APR
- Terms
- —
- Up to
- 12.25% APR
2nd-lowest rate
First Missouri Credit Union
3.99%APR
- Terms
- —
- Up to
- —
Vantage Credit Union auto loan score
79
Auto loan score
Higher than 48% of U.S. banks and credit unions
- New vehicleNew5.24%
- Used vehicleUsed5.24%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vantage 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.
Auto Loans
Rates, terms, and maximum loan-to-value (LTV) subject to credit qualifications, vehicle age, and other factors. Financing up to 120% MSRP or JD Power retail value. Membership eligibility required.
| Terms | APR | Conditions |
|---|---|---|
| 12–48 months | 4.99% | Model year 2022 – New. $5,000 minimum loan amount. Best rate quoted. |
| up to 60 months | 5.24% | Model year 2022 – New. $10,000 minimum loan amount. Best rate quoted. |
| up to 72 months | 5.74% | Model year 2022 – New. $15,000 minimum loan amount. Best rate quoted. |
| up to 84 months | 6.24% | Model year 2022 – New. $25,000 minimum loan amount. Best rate quoted. |
| 12–48 months | 6.24% | Model year 2017 – 2021. $5,000 minimum loan amount. Best rate quoted. |
| up to 60 months | 6.49% | Model year 2017 – 2021. $10,000 minimum loan amount. Best rate quoted. |
| up to 72 months | 6.99% | Model year 2017 – 2021. $15,000 minimum loan amount. Best rate quoted. |
| 12–48 months | 7.99% | Model year 2012 – 2016. $5,000 minimum loan amount. Best rate quoted. |
Who can join Vantage Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.