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Auto Loan Rates in Des Moines, Iowa (IA) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Des Moines, Iowa. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 7, 2026

Current auto loan rates in Des Moines, Iowa include Serve Credit UnionServe Credit Union423 E Court Ave, Des Moines, IA, 50309 2010A+5.0 ★Texas Ratio: 2.97% offering NEW VEHICLES 2025 & Newer at 4.09%, First Class Community Credit UnionFirst Class Community Credit Union303 Euclid Ave, Des Moines, IA, 50313 4349A+5.0 ★Texas Ratio: 1.71% offering Auto Loans 2024 Or Newer at 4.49%, Midwest Heritage BankMidwest Heritage Bank4605 Fleur Dr, Des Moines, IA, 50321A+5.0 ★Texas Ratio: 0.99% offering Auto Loan at 5.58%, Power Co-Op Employees Credit UnionPower Co-Op Employees Credit UnionB+4.8 ★Texas Ratio: 17.87% offering PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS at 2.49%, Cent Credit UnionCent Credit UnionA+5.0 ★Texas Ratio: 2.81% offering New Vehicle 2025 - Newer at 3.99%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.

Des Moines has 3 local institutions in our database, with auto loan rates as low as 4.09% APR from Serve Credit Union at 423 E Court Ave, Des Moines, IA, 50309 2010. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Des Moines, Iowa. Auto Loan Rates Last Updated and Verified: May 7, 2026

Compare Auto Loan Rates Today in Des Moines, Iowa & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2023-2021
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2020-2018
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 72 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Auto Loan
5.58%
60 Months
View
▼
APR5.58%
Term60 Months
Last UpdatedMay 5, 2026
Details

2022 or Newer

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2017 or Older
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Auto Loan
6.38%
48 Months
View
▼
APR6.38%
Term48 Months
Last UpdatedMay 5, 2026
Details

2019 - 2021

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Auto Loan
8.73%
36 Months
View
▼
APR8.73%
Term36 Months
Last UpdatedMay 5, 2026
Details

2016 - 2018

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
4605 Fleur Dr, Des Moines, IA, 50321
Auto Loan
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedMay 5, 2026
Details

2015 - 2011

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMay 2, 2026
Details

*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Telco Triad Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Auto Loans
4.39%
60 months
View
▼
APR4.39%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; for 60 months

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMay 2, 2026
Details

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMay 2, 2026
Details

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
2020 Auto Loan
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Relationship Rate

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMay 2, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMay 2, 2026
Details

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMay 6, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
2020-2027 Vehicle Loans
5.74%
24-48
View
▼
APR5.74%
Term24-48
Last UpdatedMay 7, 2026
Details

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details

As Low As; Age of Vehicle: 2025-New

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMay 2, 2026
Details

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
5.95%
24 Months
View
▼
APR5.95%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 5, 2026
Details

Up to 72 months

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.06%
48 Months
View
▼
APR6.06%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.17%
60 Months
View
▼
APR6.17%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
6.18%
12 Months
View
▼
APR6.18%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedMay 2, 2026
Details

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
View
▼
APR6.38%
Term72 Months
Last UpdatedMay 5, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.46%
24 Months
View
▼
APR6.46%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.47%
36 Months
View
▼
APR6.47%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2023-2025 Auto Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.53%
60 Months
View
▼
APR6.53%
Term60 Months
Last UpdatedMay 5, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.56%
48 Months
View
▼
APR6.56%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2023 to 2017
6.62%
36 Months
View
▼
APR6.62%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.67%
60 Months
View
▼
APR6.67%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
6.68%
12 Months
View
▼
APR6.68%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
6.94%
Up to 66 Months
View
▼
APR6.94%
TermUp to 66 Months
Last UpdatedMay 7, 2026
Details

2020-2027

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2020 - 2022 Auto Loan
7.00%
48 Months
View
▼
APR7.00%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months Relationship Rate
7.34%
48 Months
View
▼
APR7.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
View
▼
APR7.34%
Term60 Months
Last UpdatedMay 5, 2026
Details

Up to 60 months

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
7.44%
67-75 Months
View
▼
APR7.44%
Term67-75 Months
Last UpdatedMay 7, 2026
Details

2020-2027 Motorcycles Only Over $20,000

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months Relationship Rate
7.54%
60 Months
View
▼
APR7.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older Up to 48 Months
7.59%
48 Months
View
▼
APR7.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.74%
3 Years
View
▼
APR7.74%
Term3 Years
Last UpdatedApr 19, 2026
Details

Unite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Titled Vehicles/Classic Automobiles 2016 and older 60 Months
7.79%
60 Months
View
▼
APR7.79%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Aim Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Auto Loan
7.99%
4 Years
View
▼
APR7.99%
Term4 Years
Last UpdatedApr 19, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2016 or Older
8.20%
36 Months
View
▼
APR8.20%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.29%
36 Months
View
▼
APR8.29%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.32%
24 Months
View
▼
APR8.32%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
2016 - 2019 Auto Loan
8.38%
36 Months
View
▼
APR8.38%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.47%
48 Months
View
▼
APR8.47%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.49%
24-63
View
▼
APR8.49%
Term24-63
Last UpdatedMay 6, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.59%
12 Months
View
▼
APR8.59%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
Auto Loan
8.68%
60 Months
View
▼
APR8.68%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.79%
36 Months
View
▼
APR8.79%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.82%
24 Months
View
▼
APR8.82%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
8.94%
Up to 66 Months
View
▼
APR8.94%
TermUp to 66 Months
Last UpdatedMay 7, 2026
Details

2006-2019

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
8.97%
48 Months
View
▼
APR8.97%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Centris Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.42%
2016-2018 Auto Loan
8.99%
64-75
View
▼
APR8.99%
Term64-75
Last UpdatedMay 6, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
9.09%
12 Months
View
▼
APR9.09%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2016-2022 Model Years Auto Loan
9.18%
60 Months
View
▼
APR9.18%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 4, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 5, 2026
Details

Up to 36 months

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.62%
24 Months
View
▼
APR9.62%
Term24 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.77%
48 Months
View
▼
APR9.77%
Term48 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.90%
12 Months
View
▼
APR9.90%
Term12 Months
Last UpdatedMay 4, 2026
Details

As Low As

First National Bank Ames, Iowa
Institution Rating:
A-5.0 ★ Texas Ratio: 15.05%
2015 and Older Model Years Auto Loan
9.98%
60 Months
View
▼
APR9.98%
Term60 Months
Last UpdatedMay 4, 2026
Details

As Low As

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
10.44%
67-75 Months
View
▼
APR10.44%
Term67-75 Months
Last UpdatedMay 7, 2026
Details

2006-2019 Motorcycles Only Over $20,000

R.I.A. Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
Vehicle Loan
10.94%
76-84 Months
View
▼
APR10.94%
Term76-84 Months
Last UpdatedMay 7, 2026
Details

2025-2027 Only Over $25,000

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.09%
36 Months
View
▼
APR4.09%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

First Class Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
303 Euclid Ave, Des Moines, IA, 50313 4349
Auto Loans 2024 Or Newer
4.49%
84 Months
View
▼
APR4.49%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 84 Months

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.59%
60 Months
View
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.79%
72 Months
View
▼
APR4.79%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
NEW VEHICLES 2025 & Newer
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Power Co-Op Employees Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.87%
PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS
2.49%
23 Months
View
▼
APR2.49%
Term23 Months
Last UpdatedMay 2, 2026
Details

*FOR QUALIFIED MEMBERS WITH PREMIER CREDIT SCORE

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
3.99%
0 - 60
View
▼
APR3.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 24 Months
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.10%
0-36
View
▼
APR4.10%
Term0-36
Last UpdatedMay 2, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 36 Months
4.15%
36 Months
View
▼
APR4.15%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - New Auto or Truck Purchase/Refinance
4.24%
36 Month
View
▼
APR4.24%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 48 Months
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.49%
61 - 72
View
▼
APR4.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 60 Months
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
4.85%
37-63
View
▼
APR4.85%
Term37-63
Last UpdatedMay 2, 2026
Details

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 72 Months
4.90%
72 Months
View
▼
APR4.90%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
4.99%
73 - 84
View
▼
APR4.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
New Autos & Trucks 84 Months
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.05%
64-75
View
▼
APR5.05%
Term64-75
Last UpdatedMay 2, 2026
Details

Industrial Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
5.15%
84 Months
View
▼
APR5.15%
Term84 Months
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto (2025-Newer)
5.25%
76-84
View
▼
APR5.25%
Term76-84
Last UpdatedMay 2, 2026
Details

Midwest Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
New Vehicle Loans
5.40%
60 Months
View
▼
APR5.40%
Term60 Months
Last UpdatedMay 6, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
New Vehicle 2025 - Newer
5.49%
85-120
View
▼
APR5.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Fort Dodge Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
New Vehicles
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 2, 2026
Details

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
New Auto Loans
5.79%
84 Months
View
▼
APR5.79%
Term84 Months
Last UpdatedMay 5, 2026
Details

As Low As; Age of Vehicle: 2025-New

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.86%
66 Months
View
▼
APR5.86%
Term66 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.88%
60 Months
View
▼
APR5.88%
Term60 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.91%
48 Months
View
▼
APR5.91%
Term48 Months
Last UpdatedMay 5, 2026
Details

As Low As

First Security B&T Co. IA
Institution Rating:
A5.0 ★ Texas Ratio: 9.82%
Auto Loans 2024 or Newer
5.97%
36 Months
View
▼
APR5.97%
Term36 Months
Last UpdatedMay 5, 2026
Details

As Low As

American Bank and Trust Company, N.A.
Institution Rating:
A5.0 ★ Texas Ratio: 7.79%
NEW Auto Loan
6.38%
72 Months
View
▼
APR6.38%
Term72 Months
Last UpdatedMay 5, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.59%
48 Months
View
▼
APR4.59%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.84%
36 Months
View
▼
APR4.84%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
4.94%
48 Months
View
▼
APR4.94%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2024
4.99%
84 Months
View
▼
APR4.99%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.04%
60 Months
View
▼
APR5.04%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.44%
36 Months
View
▼
APR5.44%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2021-2023
5.44%
84 Months
View
▼
APR5.44%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.54%
60 Months
View
▼
APR5.54%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.64%
48 Months
View
▼
APR5.64%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2019-2020
5.64%
72 Months
View
▼
APR5.64%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2017-2018
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.54%
36 Months
View
▼
APR7.54%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Serve Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
423 E Court Ave, Des Moines, IA, 50309 2010
USED VEHICLES 2016 and older
7.74%
48 Months
View
▼
APR7.74%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.25%
Up to 24 Months
View
▼
APR4.25%
TermUp to 24 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.30%
48 Months
View
▼
APR4.30%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As

SECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.71%
36 Month - Used Auto or Truck Purchase/Refinance
4.49%
36 Month
View
▼
APR4.49%
Term36 Month
Last UpdatedApr 19, 2026
Details

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.50%
Up to 36 Months
View
▼
APR4.50%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.55%
60 Months
View
▼
APR4.55%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
4.75%
Up to 48 Months
View
▼
APR4.75%
TermUp to 48 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
4.80%
72 Months
View
▼
APR4.80%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
4.99%
0 - 60
View
▼
APR4.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedApr 19, 2026
Details

As Low As

Advantage Credit Union Newtown, IA
Institution Rating:
A5.0 ★ Texas Ratio: 11.83%
Used Autos & Trucks
5.05%
84 Months
View
▼
APR5.05%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.25%
Up to 72 Months
View
▼
APR5.25%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.40%
0-63
View
▼
APR5.40%
Term0-63
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.49%
61 - 72
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Meridian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New or Used Vehicles Loans
5.50%
Up to 84 Months
View
▼
APR5.50%
TermUp to 84 Months
Last UpdatedApr 19, 2026
Details

As Low As

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
5.95%
64-75
View
▼
APR5.95%
Term64-75
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
5.99%
73 - 84
View
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2023 - 2024
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 5, 2026
Details

Up to 72 months

Midland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto (2017-2024)
6.35%
76-84
View
▼
APR6.35%
Term76-84
Last UpdatedMay 2, 2026
Details

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2018 - 2024
6.49%
85-120
View
▼
APR6.49%
Term85-120
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
6.99%
0 - 60
View
▼
APR6.99%
Term0 - 60
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2016 - 2022
7.34%
60 Months
View
▼
APR7.34%
Term60 Months
Last UpdatedMay 5, 2026
Details

Up to 60 months

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
7.99%
61 - 72
View
▼
APR7.99%
Term61 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Cent Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Used Vehicle 2017 - Older
8.99%
73 - 84
View
▼
APR8.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

QCBT Quad City B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Used Auto Loans 2015 or older
9.59%
36 Months
View
▼
APR9.59%
Term36 Months
Last UpdatedMay 5, 2026
Details

Up to 36 months

Des Moines, IA Auto Loan Rate Trends

Compare local Des Moines, IA auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Iowa Auto Trends →
New Auto Loan — IA Avg
4.889%
▲ 0.007 vs 7 days ago

Iowa new auto rates rose 0.007 points over the past 7 days to 4.889% APR.

Used Auto Loan — IA Avg
5.934%
Unchanged vs 7 days ago

Iowa used auto loan rates currently average 5.934% APR.

As of May 9, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Des Moines, Iowa

How does my credit score affect my car loan rate in Iowa?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Des Moines, Iowa with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Iowa *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Des Moines, Iowa typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

What are the best Auto Loan rates in Des Moines, Iowa?

Based on our current data, some of the lowest auto loan rates available in Des Moines, Iowa include:
  • Serve Credit Union: 4.09% (NEW VEHICLES 2025 & Newer)
  • First Class Community Credit Union: 4.49% (Auto Loans 2024 Or Newer)
  • Midwest Heritage Bank: 5.58% (Auto Loan)
  • Power Co-Op Employees Credit Union: 2.49% (PCCU PREMIER SPECIAL-- NEW VEHICLE FINANCING FOR 23 MONTHS)
  • Cent Credit Union: 3.99% (New Vehicle 2025 - Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Des Moines, Iowa. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026

Des Moines, Iowa Rates & Resources

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