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 46–60 of 60 in Missouri · median 4.99% APR
- West Community Credit UnionNew Car (Model years 2024 to 2027) · up to 60 months
Credit union · 10 branches
5.24%APRas low asAuto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 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 70 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 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 78 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Model year 2022 & Newer. Terms up to 84 months on new autos.
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Flexible terms available. Rates and terms are subject to credit approval and restrictions or requirements.
Auto loan score 78 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Model years 2026-2025
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.29%APRas low as · up to 15.49%with conditions
5.29% APR, up to 15.49%
This rate needs autopay.
Terms
Model Years 2026-2025; Max Term 72 months; Credit scores 750+ (A+) to 550 & Below (E)
Auto loan score 77 · Carrot Score 66
Rate checked · Auto loans rates on its site
More details - 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
More details - 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 69 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 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 74 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 5.50%APRas low as
Terms
Rates as low as 5.50% based on Applicant's Credit Bureau score. 72 months max term.
Auto loan score 70 · Carrot Score 74
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 70 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - Northwest Missouri Regional Credit UnionNew Autos, 100% Financed · up to 74 months
Credit union · 1 branch
7.00%APRas low as · up to 16.50%7.00% APR, up to 16.50%
Terms
Base rate 8.5% APR. Term and APR vary depending on credit worthiness. Conditions apply for 100% financing.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 7.74%APRas low as
Terms
Vehicle Years: New 2024-2025
Auto loan score 76 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 8.00%APRas low as
Terms
Starting as low as 8% APR. Up to 72 mo.
Auto loan score 60 · Carrot Score 63
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