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 46–60 of 76 in Missouri · median 4.99% APR
- 5.24%APRas low as
Terms
Model year 2022 – New. $10,000 minimum loan amount. Best rate quoted.
Auto loan score 79 · Carrot Score 80
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 · 15 branches
5.24%APRas low asAuto loan score 79 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Credit Grade A (Score 700+). Maximum LTV 110%. Reflects 0.50% reduction for automatic/payroll deduction payments. Maximum term up to 72 months depending on vehicle age (longer term over $30,000 subject to approval).
Auto loan score 69 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 10.25%
5.25% APR, up to 10.25%
Terms
Model year 2025. Listed under A.P.Y. with daily periodic rate 0.014384 - 0.028082.
Auto loan score 77 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model year 2022 & Newer. Terms up to 84 months on new autos.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Flexible terms available. Rates and terms are subject to credit approval and restrictions or requirements.
Auto loan score 77 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2026-2025
Auto loan score 70 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low aswith conditions
This rate needs autopay.
Terms
Credit Score 750+ (A+); Model Years 2026-2025; Max Term 72 months
Auto loan score 76 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.31%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Loyalty/PFI Rate (-.50% reduction) for 60 Months: requires automatic transfer and OFCU as borrower's primary financial institution (defined as: checking account with debit card, existing direct deposit from employer or retirement, recurring monthly transactions and one current loan with CU). Assumes excellent borrower credit history.
Auto loan score 67 · Carrot Score 68
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
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 - City & County Credit UnionNew Vehicle: model year 2026 - 2025 · up to 60 months
Credit union · 1 branch
5.44%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% APR autopay discount from CCCU account. Subject to credit qualifications.
Auto loan score 68 · Carrot Score 70
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 - 5.50%APRas low as
Terms
84 months max term. Rates are based on Applicant’s Credit Bureau score.
Auto loan score 69 · Carrot Score 75
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
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