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 1–13 of 13 in Topeka, KS · median 5.49% APR
- 4.99%APRas low as
Terms
Rates are subject to change daily without notice. Financing up to 100% of purchase price available to qualified borrowers.
Auto loan score 83 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Topeka Firemen's Credit UnionTopeka Firemen's Credit Union Auto Loans · up to 72 months
Credit union · 1 branch
5.00%APRas low asTerms
New Title Only
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as
Terms
Rates as low as 5.14% APR* for vehicle loans.
Auto loan score 81 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
Model Year: 2021 & Newer. Rate and term are subject to credit approval and qualified collateral.
Auto loan score 75 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Model years 2019–2027. Fixed rate. Rates published are as low as stated rate.
Auto loan score 73 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
Applies to model years 2026-2023. Credit scores above 600. Add 3% for credit score below 600; add 4% if discharged bankruptcy. For 84 months (minimum $35,000), add 1%.
Auto loan score 68 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR. Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Rate assumes automatic payment. Best qualifying rate.
Auto loan score 66 · Carrot Score 67
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 16.65%with conditions
5.54% APR, up to 16.65%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle: 2024 and Newer, 79,999 miles or less; Term: 63 months (Term 1); Example amount: $20,000; APR range spans FICO scores from 730+ (5.54% APR, 4.95% contract rate) to 609 or lower (16.65% APR, 16.00% contract rate)
Auto loan score 72 · Carrot Score 74
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 - 6.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
APR is based on a $30,100 loan amount (includes $100 origination fee) with contract interest rate of 6.79% (71 payments of $510.18 and one of $510.00). Requires active Central National Bank checking account for stated rate (2.50% higher without).
Auto loan score 62 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 7.33%APRas low as
Terms
New Vehicle. Maximum LTV 100% calculated using the purchase price of the vehicle before trade-in or down payment. Fixed rate. Rate and APR may be reduced by 0.25% with preauthorized payment from a Capitol Federal checking or savings account.
Auto loan score 61 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 9.27%APRas low as
Terms
2024/2025/2026 Models. APR scenario assumes a $5,000 loan with 10% down payment, $30.00 VSI fee, and $19.05 credit report fee financed.
Auto loan score 60 · Carrot Score 61
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 Topeka, KS
13 banks and credit unions · checked Oct 15–17
- Typical
- 5.49%
- Top 10% up to
- 5.03%
- Banks, typical
- 6.78%
- Credit unions, typical
- 5.45%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Topeka, KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Communication Federal Credit UnionCredit union · 1 branch
- Bank of the Flint HillsBank · 2 branches
- Capitol FederalBank · 10 branches