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 60 in Missouri · median 4.99% APR
- 3.49%APRas low as
Terms
Model year 2025-2026. Up to 7 years. Low as rate is based on a 3 year term. Term is based on year of vehicle. Terms may be based on credit score, model year and mileage.
Auto loan score 97 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 3.99%APRas low as
Terms
Fixed-Rate. Rates as low as, based on creditworthiness.
Auto loan score 95 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as · up to 8.00%with conditions
4.25% APR, up to 8.00%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model year 2024 & Newer; term 60 months. Base rate 8.00%, rate with maximum discount 4.25% based on credit score >= 780 (-3.50%) and automatic payment (-0.25%).
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 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
More details - 4.39%APRas low as
Terms
For terms 37 to 60 months on 2025 and newer vehicles.
Auto loan score 89 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.40%APRas low as
Terms
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 22.00%
4.49% APR, up to 22.00%
Terms
Based on creditworthiness.
Auto loan score 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
As low as 4.49% APR. Terms include 36, 48, 60, 72 months for loans up to $100,000. Calculator provides general estimations only.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 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 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rate is as low as 4.50% APR for terms of 3 to 7 years (36-84 months). Rate based on creditworthiness and loan term. Lowest rates include a 0.25% discount available for automatic payment.
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to $100,000
Auto loan score 89 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 61-72 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Homepage advertised 'As low as' auto loan rate.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 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
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
60 banks and credit unions · checked Oct 29–31
- Typical
- 4.99%
- Top 10% up to
- 4.48%
- 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
- Postal & Community Credit UnionCredit union · 2 branches