Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 35 in St. Louis, MO-IL metro · median 4.99% APR
- 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 - 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 - 4.49%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 · 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 - 4.74%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 - 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 - 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 - 4.99%APRas low as
Terms
Model Year 2026 AND NEWER. LTV <= 100%. Well-qualified borrowers.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Catholic & Community CUAuto & Truck Loans (2027–2024 Model Years) · 37–69 months
Credit union · 3 branches
4.99%APRas low as · up to 10.24%4.99% APR, up to 10.24%
Terms
APR is 4.99% for 720+ FICO, 5.49% for 719–680, 7.25% for 679–650, and 10.24% for 649–640.
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
Model years 2019-2027. Rate as low as.
Auto loan score 83 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model year 2019 & newer. Terms greater than 66 months require loan amount of $15,000+ and mileage under 75,000 miles.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 81 · Carrot Score 94
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 St. Louis, MO-IL metro
35 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.37%
- Banks, typical
- 6.24%
- 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.
St. Louis, MO-IL metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Community Credit UnionCredit union · 42 branches
- 1st MidAmerica Credit UnionCredit union · 8 branches
- FRB Federal Credit UnionCredit union · 1 branch