Fort Riley, Kansas Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio
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 Fort Riley, Kansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Fort Riley, Kansas include Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 2.82% offering NEW Auto 2025-2026 Mileage Under 10,000 at 2.00%, Bell Credit UnionBell Credit UnionB+4.8 ★Texas Ratio: 17.28% offering 2026-2025 New Vehicles Loan at 3.75%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 2.18% offering Auto Loan at 3.99%, Credit Union of EmporiaCredit Union of EmporiaA+5.0 ★Texas Ratio: 0.57% offering Automobiles & Motorcycles, 2022 and newer & under 60k miles at 4.50%, Frontier Community Credit UnionFrontier Community Credit UnionA5.0 ★Texas Ratio: 7.41% offering Vehicle Loan (2016 - 2021) at 4.60%. Auto loan rates as of September 8, 2026 according to verified data from MonitorBankRates.
Fort Riley borrowers have access to 28 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 Fort Riley, Kansas. Auto Loan Rates Last Updated and Verified: September 8, 2026
Compare Auto Loan Rates Today in Fort Riley, Kansas & Surrounding Area
Fort Riley Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
3.75%
36-60 Months
▼
APR3.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
APR3.99%
Term66 months
Last UpdatedSep 3, 2026
Details
Model Year: 2024-2026 (New or Used)
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
4.00%
61-72 Months
▼
APR4.00%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
4.25%
73-84 Months
▼
APR4.25%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
4.50%
up to 60 months
▼
APR4.50%
Termup to 60 months
Last UpdatedSep 3, 2026
Details
As Low As
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
4.50%
36-60 Months
▼
APR4.50%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2016 - 2021)
4.60%
Up to 42 months
▼
APR4.60%
TermUp to 42 months
Last UpdatedSep 3, 2026
Details
As Low As
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2016 - 2021)
4.70%
43 to 54 months
▼
APR4.70%
Term43 to 54 months
Last UpdatedSep 3, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier B
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedSep 3, 2026
Details
As Low As; $25,000 minimum value
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2016 - 2021)
4.80%
55 to 66 months
▼
APR4.80%
Term55 to 66 months
Last UpdatedSep 3, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedSep 3, 2026
Details
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Car and Auto Loans
4.89%
up to 84 months
▼
APR4.89%
Termup to 84 months
Last UpdatedSep 3, 2026
Details
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.
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details
100% Financing with qualified credit
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 31, 2026
Details
As Low As
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedAug 31, 2026
Details
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
APR4.99%
Term78 months
Last UpdatedSep 3, 2026
Details
Model Year: 2024-2026 (New or Used)
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Vehicle Loan (2016 and Older)
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
As Low As
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
Vehicle Loan (2021 to 2017)
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 3, 2026
Details
As Low As
Quantum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
4.99%
48 months
▼
APR4.99%
Term48 months
Last UpdatedSep 3, 2026
Details
Model Year: 2025-2015; As Low As*
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier A
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2017-2021 or over 60k miles
5.00%
up to 48 months
▼
APR5.00%
Termup to 48 months
Last UpdatedSep 3, 2026
Details
As Low As
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.05%
72 months
▼
APR5.05%
Term72 months
Last UpdatedSep 3, 2026
Details
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2020-2022 Automobiles
5.10%
Up to 60 months
▼
APR5.10%
TermUp to 60 months
Last UpdatedSep 7, 2026
Details
As Low As
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2023 Automobiles
5.10%
Up to 72 months
▼
APR5.10%
TermUp to 72 months
Last UpdatedSep 7, 2026
Details
As Low As
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2024 Automobiles
5.10%
Up to 72 months
▼
APR5.10%
TermUp to 72 months
Last UpdatedSep 7, 2026
Details
As Low As
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2025-2026 Automobiles
5.10%
Up to 84 months
▼
APR5.10%
TermUp to 84 months
Last UpdatedSep 7, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.10%
84 months
▼
APR5.10%
Term84 months
Last UpdatedSep 3, 2026
Details
**
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2019 - 2011)
5.25%
63 months
▼
APR5.25%
Term63 months
Last UpdatedSep 8, 2026
Details
New & Used Vehicle/Touring Motorcycle; Min Vehicle Value: $20,000; Rates effective as of 08/17/2026.
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2024 - 2020)
5.25%
63 months
▼
APR5.25%
Term63 months
Last UpdatedSep 8, 2026
Details
New & Used Vehicle/Touring Motorcycle; Rates effective as of 08/17/2026.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 3, 2026
Details
Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details
As Low As; Flexible terms available
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
5.28%
60 Months
▼
APR5.28%
Term60 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2017 - 2021
5.31%
48 Months
▼
APR5.31%
Term48 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2018-2019 Automobiles
5.40%
Up to 60 months
▼
APR5.40%
TermUp to 60 months
Last UpdatedSep 7, 2026
Details
As Low As
APR5.40%
Term42 months
Last UpdatedSep 3, 2026
Details
Model Year: 2024-2026 (New or Used)
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2024 - 2020)
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedSep 8, 2026
Details
New & Used Vehicle/Touring Motorcycle; Min Vehicle Value: $30,000; Rates effective as of 08/17/2026.
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details
$15,000 minimum
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedAug 31, 2026
Details
As Low As
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedAug 31, 2026
Details
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
5.49%
61-72 months
▼
APR5.49%
Term61-72 months
Last UpdatedAug 31, 2026
Details
As Low As
Quantum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedSep 3, 2026
Details
Model Year: 2025-2015; As Low As*
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto Loan
5.50%
96 months
▼
APR5.50%
Term96 months
Last UpdatedAug 31, 2026
Details
Rates as low as...; New- 2025 - 2027 model
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto - up to 5 years old
5.50%
Up to 72 months
▼
APR5.50%
TermUp to 72 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedAug 31, 2026
Details
Tier B
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2017-2021 or over 60k miles
5.50%
up to 60 months
▼
APR5.50%
Termup to 60 months
Last UpdatedSep 3, 2026
Details
As Low As
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto - 6 - 10 years old
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedSep 3, 2026
Details
Quantum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
5.75%
72 months
▼
APR5.75%
Term72 months
Last UpdatedSep 3, 2026
Details
Model Year: 2025-2015; As Low As*
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.75%
61-72 Months
▼
APR5.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
5.76%
72 Months
▼
APR5.76%
Term72 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2017 - 2021
5.78%
60 Months
▼
APR5.78%
Term60 Months
Last UpdatedAug 31, 2026
Details
As Low As*
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.85%
24 months
▼
APR5.85%
Term24 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.90%
36 months
▼
APR5.90%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
Security State Bank Scott City, KS
Institution Rating:
A+5.0 ★ Texas Ratio: 1.74%
2017 & older Automobiles
5.95%
Up to 60 months
▼
APR5.95%
TermUp to 60 months
Last UpdatedSep 7, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.95%
48 months
▼
APR5.95%
Term48 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
APR5.95%
Term52 months
Last UpdatedSep 3, 2026
Details
Model Year: 2024-2026 (New or Used)
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details
$20,000 minimum
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedAug 31, 2026
Details
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedAug 31, 2026
Details
As Low As
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
APR5.99%
Term78 months
Last UpdatedSep 3, 2026
Details
Model Year: 2022-2023
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier B
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2017-2021 or over 60k miles
6.00%
up to 72 months
▼
APR6.00%
Termup to 72 months
Last UpdatedSep 3, 2026
Details
As Low As; $25,000 minimum value
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.20%
24 months
▼
APR6.20%
Term24 months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.24%
72-75 months
▼
APR6.24%
Term72-75 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years; $15,000 minimum
APR6.25%
Term48-72 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Preowned Auto Loan
6.25%
96 months
▼
APR6.25%
Term96 months
Last UpdatedAug 31, 2026
Details
Rates as low as...; Preowned- 2016 - 2026 model
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier A+
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedSep 3, 2026
Details
As Low As; $35,000 minimum value
APR6.25%
Term42 months
Last UpdatedSep 3, 2026
Details
Model Year: 2022-2023
Quantum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Auto Loan
6.25%
84 months
▼
APR6.25%
Term84 months
Last UpdatedSep 3, 2026
Details
Model Year: 2025-2015; As Low As*
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Vehicle Loan
6.43%
Up to 72 Mo
▼
APR6.43%
TermUp to 72 Mo
Last UpdatedSep 8, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.45%
36 months
▼
APR6.45%
Term36 months
Last UpdatedSep 3, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Vehicle Loan
6.46%
Up to 60 Mo
▼
APR6.46%
TermUp to 60 Mo
Last UpdatedSep 8, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
6.48%
84 Months
▼
APR6.48%
Term84 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
6.49%
61-72 months
▼
APR6.49%
Term61-72 months
Last UpdatedAug 31, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.50%
48 months
▼
APR6.50%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier A+
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 3, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2017 - 2021
6.51%
72 Months
▼
APR6.51%
Term72 Months
Last UpdatedAug 31, 2026
Details
As Low As*
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Vehicle Loan
6.51%
Up to 48 Mo
▼
APR6.51%
TermUp to 48 Mo
Last UpdatedSep 8, 2026
Details
First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
Vehicle Loan
6.59%
Up to 36 Mo
▼
APR6.59%
TermUp to 36 Mo
Last UpdatedSep 8, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.70%
48 months
▼
APR6.70%
Term48 months
Last UpdatedSep 3, 2026
Details
APR6.75%
Term48-60 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.75%
36 months
▼
APR6.75%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier A
APR6.75%
Term52 months
Last UpdatedSep 3, 2026
Details
Model Year: 2022-2023
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
6.75%
36-60 Months
▼
APR6.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 3, 2026
Details
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2025-2021 Model Year)
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedSep 3, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2016 - 2021)
6.85%
67 to 84 months
▼
APR6.85%
Term67 to 84 months
Last UpdatedSep 3, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.95%
60 months
▼
APR6.95%
Term60 months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years; $20,000 minimum
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Older Vehicle Loans
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedAug 31, 2026
Details
As Low As
Topeka Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Vehicle Loan
6.99%
Term limits apply. Please contact credit union for details.
▼
APR6.99%
TermTerm limits apply. Please contact credit union for details.
Last UpdatedSep 3, 2026
Details
As Low As; Fixed
The Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Auto
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 7, 2026
Details
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. Contract rate (interest rate) will be higher if payments are not automatically deducted each month from a checking account at Valley State Bank.
The Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Auto
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 7, 2026
Details
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. Contract rate (interest rate) will be higher if payments are not automatically deducted each month from a checking account at Valley State Bank. APR based on credit worthiness for qualified borrowers.
APR7.00%
Term36-48 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Older Autos - over 10 years old
7.00%
Up to 48 months
▼
APR7.00%
TermUp to 48 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.00%
48 months
▼
APR7.00%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier A
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 84 Months Loan
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedSep 3, 2026
Details
*84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
7.00%
37-60 Months
▼
APR7.00%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 3, 2026
Details
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2025-2021 Model Year)
7.19%
72 months
▼
APR7.19%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
7.20%
72 months
▼
APR7.20%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.20%
24 months
▼
APR7.20%
Term24 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedAug 31, 2026
Details
Tier A
APR7.25%
Term52 months
Last UpdatedSep 3, 2026
Details
Model Year: 2016-2021
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
7.25%
61-72 Months
▼
APR7.25%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.25%
72 months
▼
APR7.25%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $10,000
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2016 & Older
7.26%
48 Months
▼
APR7.26%
Term48 Months
Last UpdatedAug 31, 2026
Details
As Low As*
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2020-2019 Model Year)
7.29%
48 months max
▼
APR7.29%
Term48 months max
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.45%
36 months
▼
APR7.45%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedAug 31, 2026
Details
2017 & Older Model Years
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Older Vehicle Loans
7.49%
61-72 months
▼
APR7.49%
Term61-72 months
Last UpdatedAug 31, 2026
Details
As Low As
APR7.50%
Term36 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.50%
66 months
▼
APR7.50%
Term66 months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
7.50%
73-84 Months
▼
APR7.50%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 36 months Loan
7.50%
36 months
▼
APR7.50%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $15,000
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.70%
48 months
▼
APR7.70%
Term48 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2016 & Older
7.73%
60 Months
▼
APR7.73%
Term60 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Communication Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.51%
Auto Loan
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedAug 31, 2026
Details
Loan rates published are as low as the stated rate. Rates can vary depending upon collateral, term, loan type, loan-to-value (LTV) ratio, and credit history. Rates may change without notice. Payment Example: A fixed rate auto loan with an APR of 7.74% and a term of 60 months will cost $20.15 per month per $1,000 borrowed. Current CFCU loans not eligible for refinance at these rates.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier B
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
7.75%
36-60 Months
▼
APR7.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 48 months Loan
7.75%
48 months
▼
APR7.75%
Term48 months
Last UpdatedSep 3, 2026
Details
APR7.90%
Term84 months
Last UpdatedSep 3, 2026
Details
Model Year: 2024-2026 (New or Used)
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.95%
60 months
▼
APR7.95%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Older Vehicle Loans
7.99%
73-84 months
▼
APR7.99%
Term73-84 months
Last UpdatedAug 31, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.00%
36 Months
▼
APR8.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier C
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier B
APR8.00%
Term66 months
Last UpdatedSep 3, 2026
Details
Model Year: 2016-2021
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 60 months Loan
8.00%
60 months
▼
APR8.00%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $20,000
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
8.20%
72 months
▼
APR8.20%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier C
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedAug 31, 2026
Details
Tier B
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
8.25%
Up to 36 Months
▼
APR8.25%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
8.25%
61-72 Months
▼
APR8.25%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
8.25%
36-60 Months
▼
APR8.25%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 72 months Loan
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedSep 3, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2016 - 2021)
8.35%
85 to 96 months
▼
APR8.35%
Term85 to 96 months
Last UpdatedSep 3, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier C
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.50%
66 months
▼
APR8.50%
Term66 months
Last UpdatedAug 31, 2026
Details
Tier B
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 24 months Loan
8.50%
24 months
▼
APR8.50%
Term24 months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2019-2010 Loan
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedSep 3, 2026
Details
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2015 and Older)
8.60%
Up to 42 months
▼
APR8.60%
TermUp to 42 months
Last UpdatedSep 3, 2026
Details
As Low As
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
8.67%
48 months
▼
APR8.67%
Term48 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2015 and Older)
8.70%
43 to 54 months
▼
APR8.70%
Term43 to 54 months
Last UpdatedSep 3, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.75%
66 Months
▼
APR8.75%
Term66 Months
Last UpdatedAug 31, 2026
Details
Tier C
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
8.75%
24 months
▼
APR8.75%
Term24 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
8.75%
37-60 Months
▼
APR8.75%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
8.75%
73-84 Months
▼
APR8.75%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
8.75%
61-72 Months
▼
APR8.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 36 months Loan
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedSep 3, 2026
Details
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
8.78%
63 months
▼
APR8.78%
Term63 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Frontier Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Vehicle Loan (2015 and Older)
8.80%
55 to 66 months
▼
APR8.80%
Term55 to 66 months
Last UpdatedSep 3, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier D
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.00%
36 months
▼
APR9.00%
Term36 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 60 Months Loan
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 72 Months Loan
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedSep 3, 2026
Details
*72 Months only if auto has never been titled
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
9.00%
61-72 Months
▼
APR9.00%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 48 months Loan
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedSep 3, 2026
Details
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
9.08%
72 months
▼
APR9.08%
Term72 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier D
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedSep 3, 2026
Details
APR9.25%
Term84 months
Last UpdatedSep 3, 2026
Details
Model Year: 2022-2023
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
9.25%
73-84 Months
▼
APR9.25%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.50%
60 months
▼
APR9.50%
Term60 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2016 & Older Up to 36 Months Loan
9.50%
Up to 36 Months
▼
APR9.50%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2017-2021 Up to 48 Months Loan
9.50%
Up to 48 Months
▼
APR9.50%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2022-2024 Up to 60 Months Loan
9.50%
Up to 60 Months
▼
APR9.50%
TermUp to 60 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedSep 3, 2026
Details
Powered by
MonitorBankRates
Fort Riley New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
3.75%
36 Months
▼
APR3.75%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
3.75%
36-60 Months
▼
APR3.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.00%
48 Months
▼
APR4.00%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
4.00%
61-72 Months
▼
APR4.00%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.25%
60 Months
▼
APR4.25%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
4.25%
73-84 Months
▼
APR4.25%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.50%
84 Months
▼
APR4.50%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier A+
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
4.50%
up to 60 months
▼
APR4.50%
Termup to 60 months
Last UpdatedSep 3, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier B
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedSep 3, 2026
Details
As Low As; $25,000 minimum value
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.85%
24 months
▼
APR4.85%
Term24 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.90%
36 months
▼
APR4.90%
Term36 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details
100% Financing with qualified credit
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedAug 31, 2026
Details
As Low As
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier A
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.00%
60 months
▼
APR5.00%
Term60 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.05%
72 months
▼
APR5.05%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
5.10%
84 months
▼
APR5.10%
Term84 months
Last UpdatedSep 3, 2026
Details
**
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.25%
36 months
▼
APR5.25%
Term36 months
Last UpdatedSep 3, 2026
Details
Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details
As Low As; Flexible terms available
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
5.28%
60 Months
▼
APR5.28%
Term60 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details
$15,000 minimum
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedAug 31, 2026
Details
As Low As
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
5.49%
61-72 months
▼
APR5.49%
Term61-72 months
Last UpdatedAug 31, 2026
Details
As Low As
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto Loan
5.50%
96 months
▼
APR5.50%
Term96 months
Last UpdatedAug 31, 2026
Details
Rates as low as...; New- 2025 - 2027 model
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.50%
66 Months
▼
APR5.50%
Term66 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.50%
48 months
▼
APR5.50%
Term48 months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
5.75%
60 months
▼
APR5.75%
Term60 months
Last UpdatedSep 3, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
5.76%
72 Months
▼
APR5.76%
Term72 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details
$20,000 minimum
Midwest Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
New to 2016 Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details
As Low As
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Auto Loans
5.99%
73-84 months
▼
APR5.99%
Term73-84 months
Last UpdatedAug 31, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
6.00%
84 Months
▼
APR6.00%
Term84 Months
Last UpdatedAug 31, 2026
Details
Tier B
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
6.00%
72 months
▼
APR6.00%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.20%
24 months
▼
APR6.20%
Term24 months
Last UpdatedSep 3, 2026
Details
APR6.25%
Term48-72 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Credit Union of Emporia
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
Automobiles & Motorcycles, 2022 and newer & under 60k miles
6.25%
up to 84 months
▼
APR6.25%
Termup to 84 months
Last UpdatedSep 3, 2026
Details
As Low As; $35,000 minimum value
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.45%
36 months
▼
APR6.45%
Term36 months
Last UpdatedSep 3, 2026
Details
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.04%
Auto Loan 2022 & Newer
6.48%
84 Months
▼
APR6.48%
Term84 Months
Last UpdatedAug 31, 2026
Details
As Low As*
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
6.50%
36 months
▼
APR6.50%
Term36 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.70%
48 months
▼
APR6.70%
Term48 months
Last UpdatedSep 3, 2026
Details
APR6.75%
Term48-60 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
6.75%
36-60 Months
▼
APR6.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
6.75%
60 months
▼
APR6.75%
Term60 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
6.95%
60 months
▼
APR6.95%
Term60 months
Last UpdatedSep 3, 2026
Details
The Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
New Auto
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 7, 2026
Details
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. Contract rate (interest rate) will be higher if payments are not automatically deducted each month from a checking account at Valley State Bank.
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New Auto Loans
7.00%
84 months
▼
APR7.00%
Term84 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 84 Months Loan
7.00%
84 Months
▼
APR7.00%
Term84 Months
Last UpdatedSep 3, 2026
Details
*84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
7.20%
72 months
▼
APR7.20%
Term72 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
7.25%
61-72 Months
▼
APR7.25%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.25%
72 months
▼
APR7.25%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $10,000
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
7.50%
73-84 Months
▼
APR7.50%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
New Vehicles Loan
7.50%
84 months
▼
APR7.50%
Term84 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $15,000
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.00%
36 Months
▼
APR8.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier C
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $20,000
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.25%
48 Months
▼
APR8.25%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier C
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026-2025 New Vehicles Loan
8.25%
36-60 Months
▼
APR8.25%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.50%
60 Months
▼
APR8.50%
Term60 Months
Last UpdatedAug 31, 2026
Details
Tier C
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
8.67%
48 months
▼
APR8.67%
Term48 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
8.75%
66 Months
▼
APR8.75%
Term66 Months
Last UpdatedAug 31, 2026
Details
Tier C
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
8.75%
24 months
▼
APR8.75%
Term24 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
8.75%
61-72 Months
▼
APR8.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
8.78%
63 months
▼
APR8.78%
Term63 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
9.00%
36 Months
▼
APR9.00%
Term36 Months
Last UpdatedAug 31, 2026
Details
Tier D
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.00%
36 months
▼
APR9.00%
Term36 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 60 Months Loan
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
New Vehicles 2025 - 2026 72 Months Loan
9.00%
72 Months
▼
APR9.00%
Term72 Months
Last UpdatedSep 3, 2026
Details
*72 Months only if auto has never been titled
Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2012 & Newer)
9.08%
72 months
▼
APR9.08%
Term72 months
Last UpdatedSep 8, 2026
Details
New & Used Sport Bike, ATV, Jet Ski or Trailer; Rates effective as of 08/17/2026.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
NEW Auto 2025-2026 Mileage Under 10,000
9.25%
48 Months
▼
APR9.25%
Term48 Months
Last UpdatedAug 31, 2026
Details
Tier D
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.25%
48 months
▼
APR9.25%
Term48 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2026 - 2025 New Vehicles Loan
9.25%
73-84 Months
▼
APR9.25%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle Loan
9.50%
60 months
▼
APR9.50%
Term60 months
Last UpdatedSep 3, 2026
Details
Powered by
MonitorBankRates
Fort Riley Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
4.50%
36-60 Months
▼
APR4.50%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
4.75%
61-72 Months
▼
APR4.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details
100% Financing with qualified credit
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
4.99%
up to 48 months
▼
APR4.99%
Termup to 48 months
Last UpdatedAug 31, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.00%
Up to 36 Months
▼
APR5.00%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
5.00%
73-84 Months
▼
APR5.00%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details
As Low As; Flexible terms available
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details
$15,000 minimum
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedAug 31, 2026
Details
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto - up to 5 years old
5.50%
Up to 72 months
▼
APR5.50%
TermUp to 72 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.50%
37-60 Months
▼
APR5.50%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto - 6 - 10 years old
5.75%
Up to 60 months
▼
APR5.75%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As;*
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
5.75%
61-72 Months
▼
APR5.75%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.85%
24 months
▼
APR5.85%
Term24 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.90%
36 months
▼
APR5.90%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
5.95%
48 months
▼
APR5.95%
Term48 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details
$20,000 minimum
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
5.99%
Up to 63 months
▼
APR5.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years
Empower Blue Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Used Vehicles - 2021 and older Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedAug 31, 2026
Details
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
5.99%
Up to 60 months
▼
APR5.99%
TermUp to 60 months
Last UpdatedAug 31, 2026
Details
As Low As
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
6.00%
60 months
▼
APR6.00%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 1
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.24%
72-75 months
▼
APR6.24%
Term72-75 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years; $15,000 minimum
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.25%
36 months
▼
APR6.25%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier A+
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
6.49%
61-72 months
▼
APR6.49%
Term61-72 months
Last UpdatedAug 31, 2026
Details
As Low As
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.50%
48 months
▼
APR6.50%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier A+
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
6.75%
36 months
▼
APR6.75%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
6.75%
36 Months
▼
APR6.75%
Term36 Months
Last UpdatedSep 3, 2026
Details
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2025-2021 Model Year)
6.79%
60 months
▼
APR6.79%
Term60 months
Last UpdatedSep 3, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details
2018-2021 Model Years; $20,000 minimum
Campus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Auto Loans
6.99%
73-84 months
▼
APR6.99%
Term73-84 months
Last UpdatedAug 31, 2026
Details
As Low As
The Valley State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.93%
Used Auto
7.00%
60 months
▼
APR7.00%
Term60 months
Last UpdatedSep 7, 2026
Details
Disclosed Annual Percentage Rates (APR) assume a $20,000 loan with a $300 origination fee, $65 vendors single insurance fee, and $2.50 notice of security interest fee. Contract rate (interest rate) will be higher if payments are not automatically deducted each month from a checking account at Valley State Bank. APR based on credit worthiness for qualified borrowers.
APR7.00%
Term36-48 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.00%
48 months
▼
APR7.00%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier A
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
7.00%
37-60 Months
▼
APR7.00%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2025-2021 Model Year)
7.19%
72 months
▼
APR7.19%
Term72 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.20%
24 months
▼
APR7.20%
Term24 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.25%
60 months
▼
APR7.25%
Term60 months
Last UpdatedAug 31, 2026
Details
Tier A
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $10,000
B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Auto Loans (2020-2019 Model Year)
7.29%
48 months max
▼
APR7.29%
Term48 months max
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.45%
36 months
▼
APR7.45%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedAug 31, 2026
Details
2017 & Older Model Years
APR7.50%
Term36 months
Last UpdatedAug 31, 2026
Details
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.50%
66 months
▼
APR7.50%
Term66 months
Last UpdatedAug 31, 2026
Details
Tier A
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 36 months Loan
7.50%
36 months
▼
APR7.50%
Term36 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
7.50%
72 Months
▼
APR7.50%
Term72 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $15,000
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.70%
48 months
▼
APR7.70%
Term48 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
7.75%
36 months
▼
APR7.75%
Term36 months
Last UpdatedAug 31, 2026
Details
Tier B
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
7.75%
36-60 Months
▼
APR7.75%
Term36-60 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 48 months Loan
7.75%
48 months
▼
APR7.75%
Term48 months
Last UpdatedSep 3, 2026
Details
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
7.95%
60 months
▼
APR7.95%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.00%
48 months
▼
APR8.00%
Term48 months
Last UpdatedAug 31, 2026
Details
Tier B
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 60 months Loan
8.00%
60 months
▼
APR8.00%
Term60 months
Last UpdatedSep 3, 2026
Details
Credit Union of Dodge City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New and Used Autos and Motor Homes
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedSep 3, 2026
Details
As Low As; Minimum Loan Amount: $20,000
KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle Loan
8.20%
72 months
▼
APR8.20%
Term72 months
Last UpdatedSep 3, 2026
Details
Credit Rating: 2
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.25%
60 months
▼
APR8.25%
Term60 months
Last UpdatedAug 31, 2026
Details
Tier B
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
8.25%
Up to 36 Months
▼
APR8.25%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
8.25%
61-72 Months
▼
APR8.25%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2023-2020 72 months Loan
8.25%
72 months
▼
APR8.25%
Term72 months
Last UpdatedSep 3, 2026
Details
Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Auto 2012-2019
8.50%
66 months
▼
APR8.50%
Term66 months
Last UpdatedAug 31, 2026
Details
Tier B
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 24 months Loan
8.50%
24 months
▼
APR8.50%
Term24 months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2019-2010 Loan
8.50%
60 months
▼
APR8.50%
Term60 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
8.75%
37-60 Months
▼
APR8.75%
Term37-60 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2025 - 2021 Used Vehicles Loan
8.75%
73-84 Months
▼
APR8.75%
Term73-84 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 36 months Loan
8.75%
36 months
▼
APR8.75%
Term36 months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2020 - 2017 Used Vehicles Loan
9.00%
61-72 Months
▼
APR9.00%
Term61-72 Months
Last UpdatedSep 3, 2026
Details
Hutchinson Postal and Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.77%
Used Vehicles 2009 and older - 48 months Loan
9.00%
48 months
▼
APR9.00%
Term48 months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2016 & Older Up to 36 Months Loan
9.50%
Up to 36 Months
▼
APR9.50%
TermUp to 36 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2017-2021 Up to 48 Months Loan
9.50%
Up to 48 Months
▼
APR9.50%
TermUp to 48 Months
Last UpdatedSep 3, 2026
Details
Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Used Vehicles 2022-2024 Up to 60 Months Loan
9.50%
Up to 60 Months
▼
APR9.50%
TermUp to 60 Months
Last UpdatedSep 3, 2026
Details
Bell Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.28%
2016 & Older Used Vehicles Loan
9.50%
36 Months
▼
APR9.50%
Term36 Months
Last UpdatedSep 3, 2026
Details
Powered by
MonitorBankRates
Fort Riley, KS Auto Loan Rate Trends
Compare local Fort Riley, 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.
New Auto Loan KS Avg
6.780%
▼ 0.016 vs 7 days ago
Kansas new auto rates fell 0.016 points over the past 7 days to 6.780% APR.
Used Auto Loan KS Avg
8.161%
▼ 0.066 vs 7 days ago
Kansas used auto rates fell 0.066 points over the past 7 days to 8.161% APR.
As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Fort Riley, 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.
Current New Auto Avg
6.78%
APR, as of Sep 10, 2026
6-Month Forecast
6.86%
Fed hold assumed
12-Month Forecast
6.93%
Range: 6.58% to 7.13%
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 @ 6.78% APR KS average | Used Auto @ 8.16% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $295.46/mo | $305.30/mo | $9.84/mo |
| $25,000 | $492.44/mo | $508.83/mo | $16.39/mo |
| $35,000 | $689.41/mo | $712.37/mo | $22.95/mo |
| $45,000 | $886.39/mo | $915.90/mo | $29.51/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 Fort Riley, Kansas
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Fort Riley, 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.
2
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.
3
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.
4
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.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Fort Riley, 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: Fort Riley, Kansas CD rates lock in a guaranteed return until you’re ready to buy
Fort Riley, Kansas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$35,954
Median Individual Earnings
National avg: $47,340
3.4%
Unemployment Rate
National avg: 4.8%
10.7%
Poverty Rate
National avg: 11.1%
$591/mo
Payment on a $30K / 60-mo Loan
At KS new-auto avg 6.78% APR
A $591 monthly car payment works out to roughly 19.7% of the median individual income in Fort Riley, 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 Fort Riley, 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 Fort Riley, 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.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
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 Fort Riley, 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 Fort Riley, 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 Fort Riley, 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 Fort Riley, Kansas
How does my credit score affect my car loan rate in Kansas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Fort Riley, Kansas 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 Kansas *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 Fort Riley, Kansas 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.
Should I get preapproved for an auto loan before visiting a dealer in Fort Riley, Kansas?
Yes. A preapproval from a bank or credit union serving Fort Riley, Kansas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Fort Riley, Kansas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Fort Riley, Kansas?
Based on our current data, some of the lowest auto loan rates available in Fort Riley, Kansas include:
- Cooperative Credit Union: 2.00% (NEW Auto 2025-2026 Mileage Under 10,000)
- Bell Credit Union: 3.75% (2026-2025 New Vehicles Loan)
- County Credit Union: 3.99% (Auto Loan)
- Credit Union of Emporia: 4.50% (Automobiles & Motorcycles, 2022 and newer & under 60k miles)
- Frontier Community Credit Union: 4.60% (Vehicle Loan (2016 - 2021))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Fort Riley, Kansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 8, 2026
Fort Riley, Kansas Rates & Resources
Fort Riley, Kansas Mortgage Rates
Fort Riley, Kansas Home Equity Loan Rates
Fort Riley, Kansas CD Rates
Fort Riley, Kansas Savings Rates
Fort Riley, Kansas Money Market Rates
Fort Riley, Kansas Checking Rates
Fort Riley, Kansas Personal Loan Rates
Fort Riley, Kansas Homeowners Insurance
Fort Riley, Kansas Car Insurance
Rate Assistant
MonitorBankRates.com · Live Data
Try asking