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 16–30 of 76 in Missouri · median 4.99% APR
- 4.74%APRas low as
Terms
Valid for model years 2027-2025. Rates are subject to change and based on loan term, model year, and credit history.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Conservation Employees Credit UnionAuto & Recreational Vehicle Loans · up to 60 months
Credit union · 1 branch
4.75%APRas low asTerms
New and Used. Loans are subject to member eligibility. CECU may consider longer terms for an addtional 0.50% rate increase.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Horizon Credit UnionVehicle Loans: 2026/25/24/23/22 models · up to 60 months
Credit union · 2 branches
4.75%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as with 'A' paper and 0.50% discount for auto payment or payroll deduction.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 16.75%with conditions
4.75% APR, up to 16.75%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate ranges across credit score tiers (725 & Above at 4.75% to 549 & Below at 16.75%). Includes 0.25% Direct Deposit rate reduction. Rates shown for 2022 & newer models (add 1.00% for 2021 & older models).
Auto loan score 82 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 4.80%APRas low as
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Model years 2019-2026. Lowest available rate does not reflect all available discounts. Actual rate dependent on member eligibility and creditworthiness.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates and terms vary depending on creditworthiness, vehicle age, loan amount, and term. Subject to enrollment in an approved automatic loan payment program. Down payments may be required. Limited-time offer valid 7/17-7/24/26.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as; includes 0.50% discount for direct deposit.
Auto loan score 82 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
Rates as low as 4.94% APR. Terms up to 72 months. 90 days no payments (interest continues to accrue). Promotion expires May 31, 2026. Rate stays the same whether buying new or used vehicles.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2023 - 2026. Lowest available rate based on membership eligibility and creditworthiness.
Auto loan score 83 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Homepage advertised 'As low as' auto loan rate.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR. Available on models 7 years or newer. Rate determined by credit history.
Auto loan score 83 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Must qualify for rate. Lock in your rate while you shop with pre-approval.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting at 4.99% APR. Rates and terms subject to change at any time without notice. Rate based on credit score and history.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 83
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