Compare Bank & Credit Union Rates
Best auto loan rates in Columbia, MO
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 Columbia, MO · median 5.64% APR
- 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 - West Community Credit UnionNew Car (Model years 2024 to 2027) · up to 60 months
Credit union · 3 branches
5.24%APRas low asAuto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Available to borrowers with excellent credit history; with approved credit. Some restrictions may apply. Fixed rate.
Auto loan score 73 · Carrot Score 89
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 - 5.99%APRas low as
Terms
Rates as low as stated; for qualified borrowers.
Auto loan score 66
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 - 6.66%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes credit score of 740+, auto is 2025 or newer, financing for 60 months and payment is auto debit. New and used financing for purchase and refinancing. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 62 · Carrot Score 60
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 Columbia, MO
7 banks and credit unions · checked Oct 16–22
- Typical
- 5.64%
- Top 10% up to
- 4.94%
- Banks, typical
- 6.04%
- Credit unions, typical
- 5.24%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Columbia, MO metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Multipli Credit UnionCredit union · 5 branches
- UMB BankBank · 2 branches
- United Credit UnionCredit union · 1 branch