Compare Bank & Credit Union Rates
Best auto loan rates in Manhattan, 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 1–7 of 7 in Manhattan, KS · median 6.24% APR
- 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 - 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 - 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
New auto loans only. Rates based on credit score and applicable discounts. Minimum loan amount $35,000.00.
Auto loan score 76 · Carrot Score 90
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 Manhattan, KS
7 banks and credit unions · checked Oct 15–17
- Typical
- 6.24%
- Top 10% up to
- 5.04%
- Banks, typical
- 6.24%
- Credit unions, typical
- 5.26%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Manhattan, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bank of the Flint HillsBank · 5 branches
- Credit Union of AmericaCredit union · 1 branch
- Capitol FederalBank · 2 branches