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 1–7 of 7 in St. Joseph, MO-KS metro · median 5.35% APR
- 5.09%APRas low as
Terms
Model Year 2024 – 2026
Auto loan score 81 · Carrot Score 88
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
Model years 2026-2025
Auto loan score 70 · Carrot Score 79
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 - 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
Rates and branches - 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
Rates and branches - 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
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. Joseph, MO-KS metro
7 banks and credit unions · checked Oct 16
- Typical
- 5.35%
- Top 10% up to
- 5.19%
- Banks, typical
- 6.04%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
St. Joseph, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Postal & Community Credit UnionCredit union · 2 branches
- United Consumers Credit UnionCredit union · 1 branch
- UMB BankBank · 2 branches