Bird City, Kansas Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Bird City, Kansas include Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 2.82% offering NEW Auto 2025-2026 Mileage Under 10,000 - 36 months at 2.00%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.20% offering Auto Loans - 2025 & Newer at 3.49%, Bell Credit UnionBell Credit UnionB+4.8 ★Texas Ratio: 17.28% offering 2026-2025 New Vehicles Loan at 3.75%, First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 3.56% offering Auto Loan at 3.99%, Corporate America Family Credit UnionCorporate America Family Credit UnionA+5.0 ★Texas Ratio: 5.59% offering New Auto at 4.49%. Auto loan rates as of September 16, 2026 according to verified data from MonitorBankRates.
Bird City borrowers have access to 36 lenders serving the Kansas area, with auto loan rates as low as 2.00% APR from Cooperative Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Bird City, Kansas. Auto Loan Rates Last Updated and Verified: September 16, 2026
Compare Auto Loan Rates Today in Bird City, Kansas & Surrounding Area
Bird City Auto Loan Rates
Tier A+; Loan Amount: Not Specified
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Tier A+; Loan Amount: Not Specified
Tier A+; Loan Amount: Not Specified
Credit Grade: A
As low as
As Low As; 2025 & Newer
As Low As
Tier A+; Loan Amount: Not Specified
Credit Grade: A
Tier A+; Loan Amount: $15,000
Credit Grade: A
As low as; Auto Buying Service APR - 2022 - 2024* as low as 3.64%
As Low As; 2022 - 2024*
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Tier A+; Loan Amount: $25,000
As Low As; Minimum loan value $25,000
Credit Grade: A
As low as
As Low As; Payment/$1,000: $23
As Low As; 2021 - 2026 Models
As Low As
Lowest rate possible for qualified borrowers based on credit background. Includes .25% discount with automatic payments and e-statements enrollment. Example: $20,000 @ 4.65% for 60 months is an estimated monthly payment of $374.49. Rates for longer terms up to 84 months available. Please ask a loan officer for more details and information. Effective date 5-1-2026.
As Low As
Ex: $15,000 @ 4.49% for 60 months = $280.00
As Low As; Minimum loan value $25,000
Credit Grade: A
As low as
As low as
As Low As; Payment/$1,000: $19
As Low As; Payment/$1,000: $16
As Low As; 2021 - 2026 Models
As Low As; 2021 - 2026 Models
As Low As
Credit Rating: 1
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26.
As low as
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Credit Rating: 1
Credit Rating: 1
As Low As; 100% Financing with qualified credit
As Low As;*
As Low As
Model Year: 2026-2027 (New or Used)
Model Year: 2026-2027 (New or Used)
Model Year: 2016 and Older
Model Year: 2021 to 2017
Model Year: 2025-2015; As low as*
As Low As;*
Credit Rating: 1
As Low As
Credit Grade: A
Credit Grade: A
Credit Rating: 1
Credit Rating: 1; **Conditions apply
As Low As
As Low As
As Low As
As Low As
Auto loan payment example: $20,000 at 5.24% for 60 months=$379.63 per month. Other rates and terms available.
Ex: $21,000 @ 4.99% for 72 months = $339.00
Tier A+
Term: flexible terms available; As Low As; ATV, M/C (non HD), Powersport add 2% to applicable rates
Model Year: 2022 & Newer
Model Year: 2017 - 2021
Model Year: 2026-2027 (New or Used)
As Low As
As Low As; $15,000 minimum
As Low As;*
As Low As
Rates effective October 1, 2025.
Model Year: 2025-2015; As low as*
Effective date: 2/26/2026
As Low As;*
Tier A+
As Low As
Credit Grade: A
Ex: $26,000 @ 5.49% for 84 months = $371.00
As Low As;*
Tier A
Tier A+
Model Year: 2025-2015; As low as*
Credit Grade: A
Model Year: 2022 & Newer
Model Year: 2017 - 2021
Credit Rating: 1
As low as; **76-84 month term available for model years 2025 and newer only. *Please call for rates on model years 2022 or older.
As Low As; 2022 - 2024*
Credit Rating: 1
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Credit Rating: 1
Model Year: 2026-2027 (New or Used)
As Low As
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; $20,000 minimum
As Low As
As Low As;*
As Low As
As Low As
As low as
As Low As; Payment/$1,000: $31
As Low As; 2017 - 2020 Models
Tier A
Tier A+
Credit Rating: 1
As Low As; Minimum loan value $25,000
Credit Rating: 1
Credit Rating: 2
As Low As; $15,000 minimum
Effective date: 2/26/2026
Tier A+
Tier A
Tier A+
As Low As; Minimum loan value $35,000
Model Year: 2024-2025 (Used)
Model Year: 2025-2015; As low as*
Model Years: 2022-2025; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
As low as
As low as
As Low As; Payment/$1,000: $24
over $40,000; As Low As; Payment/$1,000: $15
As Low As; 2021 - 2026 Models (over $40,000 list)
As Low As; 2017 - 2020 Models
As low as
2016 - 2026
As low as
2018 - 2026
As low as
2022 - 2026
Credit Rating: 2
Model Year: 2022 & Newer
As Low As
Model Year: 2026-2027 (New or Used)
Tier A+
Tier A
Model Year: 2017 - 2021
As low as
2023 - 2026
Credit Rating: 2
Tier A
Tier A+
Tier B
Tier A
Model Year: 2016-2023 (Used)
Model Year: 2024-2025 (Used)
Credit Grade: A
Credit Grade: B
Model Years: 2022-2025; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
As Low As
Credit Rating: 2
As Low As; $20,000 minimum
As Low As
As Low As
Rates are based on credit score, the above rates are for credit scores above 600, if your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added.
Term: Term limits apply. Please contact credit union for details.; As Low As; Fixed
As low as
As Low As; Payment/$1,000: $20
As Low As; 2017 - 2020 Models
As Low As;*
Tier A
Tier A+
Tier B
Model Year: 2024-2025 (Used)
Tier B
Tier B; *72 Months only if auto has never been titled
Tier A; *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
Credit Grade: A
Model Years: 2018-2021; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
Credit Rating: 2
Credit Rating: 2
Tier A
Tier B
Model Year: 2016-2023 (Used)
Credit Grade: B
As Low As; Minimum Loan Amount: >$5,000
Bird City New Auto Auto Loan Rates
Tier A+; Loan Amount: Not Specified
As low as; Auto Buying Service APR - 2025 & Newer as low as 2.64%
As Low As; 2025 & Newer
Tier A+; Loan Amount: Not Specified
Tier A+; Loan Amount: Not Specified
Credit Grade: A
As low as
As Low As; 2025 & Newer
Tier A+; Loan Amount: Not Specified
Credit Grade: A
Tier A+; Loan Amount: $15,000
Credit Grade: A
As Low As; 2022 - 2024*
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Tier A+; Loan Amount: $25,000
As Low As; Minimum loan value $25,000
As Low As; 2021 - 2026 Models
As Low As; Minimum loan value $25,000
As Low As; 2021 - 2026 Models
As Low As; 2021 - 2026 Models
Credit Rating: 1
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26.
As low as; **76-84 month term available for model years 2025 and newer only.
As Low As; 2022 - 2024*
As Low As; 2025 & Newer
Credit Rating: 1
Credit Rating: 1
As Low As; 100% Financing with qualified credit
As Low As;*
As Low As
Model Year: 2016 and Older
Model Year: 2021 to 2017
As Low As;*
Credit Rating: 1
Credit Rating: 1
Credit Rating: 1; **Conditions apply
Term: flexible terms available; As Low As; ATV, M/C (non HD), Powersport add 2% to applicable rates
Model Year: 2022 & Newer
As Low As; $15,000 minimum
As Low As;*
As Low As
Rates effective October 1, 2025.
Effective date: 2/26/2026
Model Year: 2022 & Newer
As Low As; 2022 - 2024*
APR based on 60 months and $45,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; $20,000 minimum
As Low As;*
As Low As
Credit Rating: 2
As Low As; Minimum loan value $35,000
Model Years: 2022-2025; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
As Low As; 2021 - 2026 Models (over $40,000 list)
As low as
As low as
As low as
Credit Rating: 2
Model Year: 2022 & Newer
As low as
Credit Rating: 2
Credit Grade: B
Model Years: 2022-2025; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
Credit Rating: 2
Tier B
Tier B; *72 Months only if auto has never been titled
Tier A; *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
Credit Rating: 2
Credit Grade: B
As Low As; Minimum Loan Amount: >$5,000
Bird City Used Auto Auto Loan Rates
Credit Grade: A
Credit Grade: A
Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26.
As Low As; 100% Financing with qualified credit
Model Year: 2016 and Older
Model Year: 2021 to 2017
Credit Grade: A
Credit Grade: A
Tier A+
Term: flexible terms available; As Low As; ATV, M/C (non HD), Powersport add 2% to applicable rates
As Low As; $15,000 minimum
As Low As;*
Tier A+
Credit Grade: A
As Low As;*
Tier A
Tier A+
Credit Grade: A
Credit Rating: 1
Credit Rating: 1
Credit Rating: 1
APR based on 60 months and $30,000; For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
As Low As; $20,000 minimum
As Low As
As Low As
As Low As; 2017 - 2020 Models
Tier A
Tier A+
Credit Rating: 1
Credit Rating: 1
As Low As; $15,000 minimum
Tier A+
Tier A
Tier A+
As Low As; 2017 - 2020 Models
2016 - 2026
2018 - 2026
2022 - 2026
As Low As
Tier A+
Tier A
2023 - 2026
Tier A
Tier A+
Tier B
Tier A
Credit Grade: A
As Low As; $20,000 minimum
As Low As
Rates are based on credit score, the above rates are for credit scores above 600, if your credit score is below 600 the rate increases by 3%. If a discharged bankruptcy is on an individuals credit report 4% is added.
As Low As; 2017 - 2020 Models
Tier A
Tier A+
Tier B
Credit Grade: A
Model Years: 2018-2021; Actual loan rate (APR) may be higher than listed rate based on credit qualifications of applicant(s). Extended term financing may be available based on loan amount, with qualified credit. Please contact us for details.
Credit Rating: 2
Tier A
Tier B
As Low As; Minimum Loan Amount: >$5,000
Bird City, KS Auto Loan Rate Trends
Compare local Bird City, KS 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.
Kansas new auto rates rose 0.197 points over the past 7 days to 6.892% APR.
Kansas used auto rates rose 0.210 points over the past 7 days to 8.364% APR.
Bird City, KS Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Kansas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Kansas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 6.89% APR KS average | Used Auto @ 8.36% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $296.25/mo | $306.76/mo | $10.51/mo |
| $25,000 | $493.75/mo | $511.27/mo | $17.52/mo |
| $35,000 | $691.26/mo | $715.78/mo | $24.53/mo |
| $45,000 | $888.76/mo | $920.29/mo | $31.53/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Bird City, Kansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Bird City, Kansas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Kansas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Bird City, Kansas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Bird City, Kansas CD rates lock in a guaranteed return until you’re ready to buy
Kansas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $593 monthly car payment works out to roughly 16.5% of the median individual income in Kansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Bird City, Kansas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Bird City, Kansas. We’ve prefilled the APR with today’s KS new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bird City, Kansas 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 Bird City, Kansas 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 Bird City, Kansas. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in KS.
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 Bird City, Kansas
How does my credit score affect my car loan rate in Kansas?
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?
Should I get preapproved for an auto loan before visiting a dealer in Bird City, Kansas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Bird City, Kansas?
- Cooperative Credit Union: 2.00% (NEW Auto 2025-2026 Mileage Under 10,000 - 36 months)
- Baxter Credit Union: 3.49% (Auto Loans - 2025 & Newer)
- Bell Credit Union: 3.75% (2026-2025 New Vehicles Loan)
- First Service Credit Union: 3.99% (Auto Loan)
- Corporate America Family Credit Union: 4.49% (New Auto)
Bird City, Kansas Rates & Resources
