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 1–14 of 14 in Clay County, MO · median 5.42% APR
- 4.80%APRas low as
Auto loan score 86 · Carrot Score 91
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 - Burlington Northtown Community Credit UnionAuto Loans - New (2025 or Newer) · up to 60 months
Credit union · 1 branch
4.99%APRas low asTerms
Fixed APR. 2025 or newer model years.
Auto loan score 79 · Carrot Score 74
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 · 1 branch
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 - 5.64%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 - 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 - 6.25%APRas low as
Terms
Model Years: New. APR as low as.
Auto loan score 63 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 6.92%APRas low as
Terms
As low as APR available for auto loans with term of 60 months or less, loan amount of $10,000 to $29,999, loan-to-value (LTV) of 100% or less, and credit score of 660 or higher. Subject to credit approval.
Auto loan score 62 · Carrot Score 73
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
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 Clay County, MO
14 banks and credit unions · checked Oct 16–22
- Typical
- 5.42%
- Top 10% up to
- 4.90%
- Banks, typical
- 6.24%
- 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.
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