Compare Bank & Credit Union Rates
Best auto loan rates in Missouri
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 76 in Missouri · median 4.99% APR
- 3.49%APRas low as
Terms
Model year 2025-2026. Up to 7 years. Low as rate is based on a 3 year term. Term is based on year of vehicle. Terms may be based on credit score, model year and mileage.
Auto loan score 97 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low as · up to 12.25%
3.50% APR, up to 12.25%
Auto loan score 98 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Fixed-Rate. Rates as low as, based on creditworthiness.
Auto loan score 94 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Qualifying new vehicles. Rate reduced by up to 2% APR, as low as 3.99% APR. Minimum loan amount $10,000. Loan must be transferred from another financial institution. 90-day payment deferral available.
Auto loan score 93 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
Approximate term 49-60 months.
Auto loan score 88 · Carrot Score 94
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 - 4.39%APRas low as
Terms
For terms 37 to 60 months on 2025 and newer vehicles.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services.
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 22.00%
4.49% APR, up to 22.00%
Terms
Based on creditworthiness.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Financing available for new and used vehicles. Interest rates as low as 4.49% APR. Flexible repayment terms. No hidden fees.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 17.04%
4.49% APR, up to 17.04%
Terms
Rates determined by credit score (740+ / Grade A+ at 4.49% to 579 & Below / Grade E at 17.04%). Rates include a 0.25% discount available with Direct Deposit. Add 0.25% for terms 61-72 months or add .50% for terms 73-84 months. Rates stated are for 2025 and newer secured vehicle loans.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates includes discounts available of 0.25% for automatic payment and 0.25% for direct deposit into an IFCU checking account.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to $100,000
Auto loan score 89 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
New and Pre-Owned vehicles. Rate as low as 4.64% APR.
Auto loan score 88 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as 4.74% APR. Determined by credit score, collateral, term of loan, and automatic deduction from an FCB checking account. Example: 5-year term ($20,000 loan at 4.74% APR with $375.05 monthly payments). Up to 7 years available for newer vehicles.
Auto loan score 87 · 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 Missouri
76 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.44%
- Banks, typical
- 6.25%
- 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.
Missouri
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- MECE Credit UnionCredit union · 1 branch
- First Community Credit UnionCredit union · 35 branches
- 1st MidAmerica Credit UnionCredit union · 1 branch