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 31–45 of 74 in Kansas · median 5.49% APR
- 5.29%APRas low as
Terms
New and Used Models 2022 and Newer. Must qualify for the lowest rate.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Automobiles 2024. Rates as low as 5.35% APR. Rate based on credit qualifications. $50 loan origination fee.
Auto loan score 76 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With AutoPay (automatic deposit from a WFCU account). Automatic payment (AutoPay) discount available. Rate shown as 5.35% on auto loans page and 4.99% on rates summary page.
Auto loan score 76 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.35%APRas low as
Terms
Rate shown as low as. Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+). Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval.
Auto loan score 76 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Model Year: 2021 & Newer. Rate and term are subject to credit approval and qualified collateral.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2019–2027. Fixed rate. Rates published are as low as stated rate.
Auto loan score 73 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Lowest possible APR based on credit and underwriting for qualified borrowers. 72 month-term eligible on vehicles with loan amounts greater than $30,000. For 2021 or newer automobiles.
Auto loan score 73 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model year 2025–2015; 60-month term; APR as low as based on creditworthiness.
Auto loan score 73 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 69 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 5.99%
5.49% APR, up to 5.99%
Terms
New Vehicles 2024-2025. Base Rate.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Applies to model years 2026-2023. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR. Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Rate assumes automatic payment. Best qualifying rate.
Auto loan score 66 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Subject to credit score and year of vehicle. Floor rate is 2.99%.
Auto loan score 72 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
As low as 5.50%. Payment terms up to 66 months.
Auto loan score 67 · Carrot Score 81
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