Compare Bank & Credit Union Rates
Best auto loan rates in Kansas
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 74 in Kansas · median 5.49% APR
- 3.75%APRas low as · up to 11.00%
3.75% APR, up to 11.00%
Terms
Tier A: 3.75% APR, Tier B: 6.75% APR, Tier C: 8.25% APR, Tier D: 11.00% APR.
Auto loan score 94 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.95%APRas low as
Terms
Promotional rate on new and used vehicles. Promotion expires October 30, 2026. Minimum auto loan amount is $10,000. Subject to credit approval. Election of no payment for up to 60 days available. Existing Nova CU auto loans excluded. Must be member in good standing.
Auto loan score 96 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With approved credit for new and used auto loans. Actual rate may vary based on creditworthiness and loan terms. The advertised rate includes a 0.75% rate reduction for automatic payments from a KTCCU checking account. Offer available only for a limited time and subject to change without notice. Refinancing is available for loans from other financial institutions; existing KTCCU auto loans are not eligible.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Cooperative Credit UnionNEW Auto 2025-2026 Mileage Under 10,000 · up to 72 months
Credit union · 1 branch
4.25%APRas low asTerms
Tier A+ (Credit score 730+). Minimum loan amount $15,000.
Auto loan score 87 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
Rates 'as low as' dependent on loan amount, collateral value, age of collateral, term and fees, and creditworthiness. Terms up to 72 months.
Auto loan score 91 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - CU of EmporiaAutomobiles & Motorcycles, 2022 and newer & under 60k miles · up to 60 months
Credit union · 1 branch
4.50%APRas low asTerms
Up to 60 months; 2022 and newer & under 60k miles.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.60%APRas low as
Terms
Rate from 4.60% APR*.
Auto loan score 85 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 4.70% include a 0.25% discount for automatic payments from an Andover State Bank checking account. Rate could increase if automatic payment is canceled at any time during the term of the loan. Offer valid through 09/30/2026.
Auto loan score 86 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
Rates as low as 4.75% APR. Rates subject to change.
Auto loan score 87 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates and terms vary depending on creditworthiness, vehicle age, loan amount, and term. Subject to enrollment in an approved automatic loan payment program. Down payments may be required. Limited-time offer valid 7/17-7/24/26.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate possible for qualified borrowers based on credit background. Includes 0.25% discount with automatic payments and e-statements enrollment. Terms up to 84 months available.
Auto loan score 81 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
Rates as low as 4.94% APR. Terms up to 72 months. 90 days no payments (interest continues to accrue). Promotion expires May 31, 2026. Rate stays the same whether buying new or used vehicles.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Emporia State Federal Credit UnionConsumer Loans - Vehicles (Cars, Trucks, Motorcycles with perfected lien) · up to 60 months
Credit union · 2 branches
4.99%APRas low asTerms
2023 - 2027 Models. Payment/$1,000 is $19.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates are subject to change daily without notice. Financing up to 100% of purchase price available to qualified borrowers.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Kansas
74 banks and credit unions · checked Oct 16–22
- Typical
- 5.49%
- Top 10% up to
- 4.63%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.09%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch
- Campus Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch