Compare Bank & Credit Union Rates
Best auto loan rates in Lawrence, KS
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 1–11 of 11 in Lawrence, KS · median 5.64% APR
- 4.99%APRas low as
Terms
Model year New to 2016. Rate based on applicant's creditworthiness.
Auto loan score 83 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year New to 2022. Up to 63 Months. As low as rate; includes 0.25% discount for automatic electronic loan payment or 20% down payment (discounts cannot be combined). Actual rate based on credit history and vehicle mileage.
Auto loan score 79 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2022 & newer. 100% financing with qualified credit.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Rates as low as 5.14% APR* for vehicle loans.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.65%with conditions
5.54% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
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)
Auto loan score 72 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required.
Auto loan score 69 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
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.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR is based on a $30,100 loan amount (includes $100 origination fee) with contract interest rate of 6.79% (71 payments of $510.18 and one of $510.00). Requires active Central National Bank checking account for stated rate (2.50% higher without).
Auto loan score 62 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 7.33%APRas low as
Terms
New Vehicle. Maximum LTV 100% calculated using the purchase price of the vehicle before trade-in or down payment. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account.
Auto loan score 61 · Carrot Score 89
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 Lawrence, KS
11 banks and credit unions · checked Oct 16–22
- Typical
- 5.64%
- Top 10% up to
- 4.99%
- Banks, typical
- 6.16%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Lawrence, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Mid-America BankBank · 3 branches
- Capitol FederalBank · 3 branches
- UMB BankBank · 1 branch