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 22 in Kansas City, MO · median 5.69% APR
- 4.49%APRas low as
Terms
Financing available for new and used vehicles. Interest rates as low as 4.49% APR. Flexible repayment terms. No hidden fees.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Rates and terms vary depending on creditworthiness, vehicle age, loan amount, and term. Subject to enrollment in an approved automatic loan payment program. Down payments may be required. Limited-time offer valid 7/17-7/24/26.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.94%APRas low as
Terms
Rates as low as 4.94% APR. Terms up to 72 months. 90 days no payments (interest continues to accrue). Promotion expires May 31, 2026. Rate stays the same whether buying new or used vehicles.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Must qualify for rate. Lock in your rate while you shop with pre-approval.
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Model years 2022 & newer. 100% financing with qualified credit.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - Kansas City Credit UnionAuto Loans - 2025 & Newer Model Year · up to 60 months
Credit union · 2 branches
5.00%APRas low asTerms
As low as APR; lowest APR available will be determined at time of application and will be dependent upon credit score.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as · up to 14.89%
5.20% APR, up to 14.89%
Terms
Term: 49 - 60 months. Max LTV 140%. Max miles: 15,000.
Auto loan score 77 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 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 77 · Carrot Score 69
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 - 5.34%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 71 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 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 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
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 - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. 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.
Auto loan score 64 · 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 Kansas City, MO
22 banks and credit unions · checked Oct 16–22
- Typical
- 5.69%
- Top 10% up to
- 4.94%
- Banks, typical
- 6.25%
- Credit unions, typical
- 5.00%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Kansas City, MO-KS metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- 1st MidAmerica Credit UnionCredit union · 1 branch
- Nova Credit UnionCredit union · 1 branch
- CommunityAmerica Credit UnionCredit union · 31 branches