Auto Loan Rates in Missouri Valley, Iowa (IA) for July 2026
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Brian McKay
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Current auto loan rates in Missouri Valley, Iowa include Advantage Credit Union Newtown, IAAdvantage Credit Union Newtown, IAA5.0 ★Texas Ratio: 10.64% offering New Autos & Trucks at 4.00%, Centris Federal Credit UnionCentris Federal Credit UnionA-4.9 ★Texas Ratio: 14.20% offering Auto Loan at 4.49%, Members1st Community Credit UnionMembers1st Community Credit UnionA+5.0 ★Texas Ratio: 3.57% offering New & Used Autos/Trucks - Up to 60 Months at 4.49%, Financial Plus Credit UnionFinancial Plus Credit UnionA+5.0 ★Texas Ratio: 2.00% offering Auto Loans at 4.49%, SECU Credit UnionSECU Credit UnionA+5.0 ★Texas Ratio: 5.71% offering New Auto 36 Month at 4.54%. Auto loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Missouri Valley borrowers have access to 18 lenders serving the Iowa area, with auto loan rates as low as 4.00% APR from Advantage Credit Union Newtown, IA. 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 Missouri Valley, Iowa. Auto Loan Rates Last Updated and Verified: July 11, 2026
Compare Auto Loan Rates Today in Missouri Valley, Iowa & Surrounding Area
Missouri Valley Auto Loan Rates
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Model Years 2023-2026; As Low As
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New Auto or Truck Purchase/Refinance
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Model Years 2023-2026; Loan must be $18,001 or more; As Low As
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Used Auto or Truck Purchase/Refinance
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100% of NADA Retail; As low as APR*
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As Low As; Amount Financed: $100 - $1,499
100% of NADA Retail; As low as APR*
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As Low As; fixed
Apply Online
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles; As Low As
As Low As; Apply Online
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100% of NADA Retail; As low as APR*
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Apply Online
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Loan Amount: $25,000; Monthly Payment: $478.68
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
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Apply Online
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As Low As; Age of Vehicle: 2025-New
As Low As; Apply Online
As Low As; Special APR: 5.95%
As Low As; Special APR: 5.97%
Apply Online
As Low As; Apply Online
As Low As; Special APR: 6.06%
As Low As; Loyalty APR: 5.59%
As Low As; Loyalty APR: 5.59%
Apply Online
As Low As; Used vehicle 6 years or older. Rate based on $40,000 loan amount for 48 months, 100% loan to value (LTV), with a monthly payment of $939.46. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
As Low As; Special APR: 6.17%
As Low As; Special APR: 6.18%
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As Low As; Loyalty APR: 5.79%
As Low As; Loyalty APR: 5.79%
As Low As; Apply Online
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Loan Amount: $20,000; Monthly Payment: $473.41
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As Low As; Loyalty APR: 6.34%
As Low As; Loyalty APR: 6.34%
Model Year: 2020-2027
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As Low As; Special APR: 5.97%
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As Low As; Special APR: 6.06%
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As Low As; Special APR: 6.18%
As Low As; Special APR: 6.17%
Loan Amount: $15,000; Monthly Payment: $475.41
Apply Online
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Model Year: 2006-2019
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Loan Amount: $10,000; Monthly Payment: $320.33
Missouri Valley New Auto Auto Loan Rates
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Model Years 2023-2026; As Low As
New Auto or Truck Purchase/Refinance
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Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; Relationship Rate
Model Years 2023-2026; Loan must be $18,001 or more; As Low As
Relationship Rate; As low as APR*
100% of NADA Retail; As low as APR*
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As Low As; Relationship Rate
As Low As; Amount Financed: $100 - $1,499
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; fixed
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles; As Low As
As Low As; Apply Online
As Low as
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; Apply Online
As Low As; Apply Online
Loan Amount: $25,000; Monthly Payment: $478.68
As Low As; Rate based on $40,000 loan amount for 60 months, 100% loan to value (LTV), with a monthly payment of $764.05. APR=Annual Percentage Rate. Rates and monthly payments are our lowest available rates and are subject to credit approval. Individual rates and terms may vary based on down payment, LTV, credit history, purpose of the loan, property type, credit score, collateral type, collateral age or collateral mileage. Membership required.
As Low As; Age of Vehicle: 2025-New
As Low As; Apply Online
As Low As; Apply Online
As Low As; Loyalty APR: 5.59%
As Low As; Apply Online
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Missouri Valley Used Auto Auto Loan Rates
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Model Years 2023-2026; As Low As
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Relationship Rate; As low as APR*
Relationship Rate; As low as APR*
As Low As; Relationship Rate
Model Years 2023-2026; Loan must be $18,001 or more; As Low As
Used Auto or Truck Purchase/Refinance
As Low as
Relationship Rate; As low as APR*
100% of NADA Retail; As low as APR*
As Low As; Relationship Rate
As Low As; Amount Financed: $100 - $1,499
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
Model Years 2023-2026; Loan must be $30,001 or more & mileage under 25,000 miles; As Low As
As Low As; Apply Online
As Low as
100% of NADA Retail; As low as APR*
As Low As; 100% of NADA Retail (RTL)
As Low As; Apply Online
As Low As; Apply Online
As Low As; Apply Online
As Low As; Apply Online
As Low As; Loyalty APR: 5.59%
As Low As; Apply Online
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Missouri Valley, IA Auto Loan Rate Trends
Compare local Missouri Valley, 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.
Iowa new auto rates rose 0.325 points over the past 7 days to 5.421% APR.
Iowa used auto rates rose 0.783 points over the past 7 days to 6.775% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Missouri Valley, Iowa auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Missouri Valley, Iowa directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Missouri Valley, Iowa. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in IA.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Missouri Valley, Iowa
How does my credit score affect my car loan rate in Iowa?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Missouri Valley, Iowa?
- Advantage Credit Union Newtown, IA: 4.00% (New Autos & Trucks)
- Centris Federal Credit Union: 4.49% (Auto Loan)
- Members1st Community Credit Union: 4.49% (New & Used Autos/Trucks - Up to 60 Months)
- Financial Plus Credit Union: 4.49% (Auto Loans)
- SECU Credit Union: 4.54% (New Auto 36 Month)
Missouri Valley, Iowa Rates & Resources
