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 17 in Missouri · median 6.25% APR
- 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as 4.99% APR. Example: 5 year term (60 monthly payments), loan amount of $20,000.00 at 4.99% APR with monthly payments of $377.33. Applicant's interest rate determined by credit score, collateral, term of loan, and automatic deduction from an FCB account. Financing available for up to seven years for newer vehicles.
Auto loan score 83 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 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
More details - 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 64
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 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
More details - 6.25%APRas low as · up to 9.25%
6.25% APR, up to 9.25%
Terms
Vehicles model years 2027 – 2025. APR determined based on creditworthiness, loan term, loan amount, and age of collateral. Higher rates may apply to older collateral. Subject to final credit approval. Must be 18 years or older.
Auto loan score 63 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low as
Terms
Model Years: New. APR as low as.
Auto loan score 63 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.59%APRas low as · up to 10.29%
6.59% APR, up to 10.29%
Terms
Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.63%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rate assumes a loan amount of $30,000, 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. Rate discount for automatic payments. Debt Cancellation Coverage available for qualified borrowers.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.64%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of October 16, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.50% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 62 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.76%APRas low as
Terms
Limited time offer that may be canceled without notice. Available for new and used vehicles dated 2024 or newer, terms with maximum 60 months, maximum loan-to-value of 100%, and excellent credit. Estimated payment for a $10,000.00 loan is $196.90 for 60 months, including financed origination fee up to $185.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.92%APRas low as
Terms
As low as APR available for auto loans with term of 60 months or less, loan amount of $10,000 to $29,999, loan-to-value (LTV) of 100% or less, and credit score of 660 or higher. Subject to credit approval.
Auto loan score 62 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details
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
17 banks and credit unions · checked Oct 23–31
- Typical
- 6.25%
- Top 10% up to
- 5.35%
- Banks, typical
- 6.25%
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
- Postal & Community Credit UnionCredit union · 2 branches