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 31–45 of 76 in Missouri · median 4.99% APR
- 4.99%APRas low as
Auto loan score 81 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
NEW 2025–2026; up to 84 month terms
Auto loan score 80 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Burlington Northtown Community Credit UnionAuto Loans - New (2025 or Newer) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Fixed APR. 2025 or newer model years.
Auto loan score 79 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 13.24%
4.99% APR, up to 13.24%
Terms
Model years 2026-2024. Up to 115% NADA Retail Value. Add 0.50% if term is >72 months.
Auto loan score 78 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate shown is APR from. Rate may vary depending on each individual's credit history and underwriting factors. Terms vary. APRs calculated individually based on each loan application. All loans OAC, some restrictions may apply.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2022 & newer. 100% financing with qualified credit.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - County Credit UnionAuto Loan - Model Year: 2026-2027 (New or Used) · up to 66 months
Credit union · 1 branch
4.99%APRas low asTerms
Best available rate for 66 month term on model year 2026-2027 (New or Used).
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate cited is lowest available and varies based on credit score. Includes a 0.25% discount for automatic payment.
Auto loan score 75 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Kansas City Credit UnionAuto Loans - 2025 & Newer Model Year · up to 60 months
Credit union · 3 branches
5.00%APRas low asTerms
As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
New 2025–2027 model.
Auto loan score 75 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as
Terms
Model Year 2024 – 2026
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as · up to 14.89%
5.20% APR, up to 14.89%
Terms
Term: 49 - 60 months. Max LTV 140%. Max miles: 15,000.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Rate as low as 5.24% APR. 0.25% rate discount with automatic payments. Available for new/used vehicles 2021-newer. Minimum loan amount $5,000.
Auto loan score 79 · Carrot Score 82
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