Geneseo, Kansas Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Geneseo, Kansas auto loan rates from lenders serving Kansas range from 2.00% to 6.49% APR, verified by MonitorBankRates as of October 22, 2026. Current auto loan rates in Geneseo, Kansas include Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 4.60% offering New Auto Loan at 2.00%, Bell Credit UnionBell Credit UnionB+4.7 ★Texas Ratio: 18.69% offering Vehicle Loan - 2026-2025 New Vehicles at 3.75%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loan at 3.84%, First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 4.24% offering Auto Loan at 3.99%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering Business Vehicle Loan - New Business Vehicle at 4.09%. Auto loan rates as of October 22, 2026 according to verified data from MonitorBankRates.
Geneseo borrowers have access to 41 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 Geneseo, Kansas. Auto Loan Rates Last Updated and Verified: October 22, 2026
Compare Auto Loan Rates Today in Geneseo, Kansas & Surrounding Area
Geneseo Auto Loan Rates
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Rate/APR* as low as 4.40%; Titled vehicle loans incl. boats, motorcycles, recreational vehicles and campers, watercraft, snowmobiles; Rates as low as dependent on loan amount, collateral value, age of collateral, term and fees, and creditworthiness; $500 origination fee assessed
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
As Low As; Annual Percentage Rate
Credit Grade: A
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
As Low As; $25,000 minimum value
Credit Grade: A
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
Credit Rating: 1
As Low As; Model Year: 2022 & Newer or previously untitled
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; new and used cars; refinance available at no cost; rates effective October 1, 2026; rates vary by creditworthiness, age of vehicle, amount and term of loan
Credit Rating: 1
As Low As; Lowest rate possible for qualified borrowers based on credit background; includes .25% discount with automatic payments and e-statements enrollment; rates for longer terms up to 84 months available; APR to be determined; effective 10-1-2026
- Oct 9, 20264.90%▲ from 4.65%
- Sep 14, 20264.65%first recorded
Credit Rating: 1
As Low As; Model Year: 2022 & Newer or previously untitled
As Low As; Model Year: 2023 - 2027 Models
As Low As; Model Year: 2023 - 2027 Models
As Low As; Cars, Trucks, Motorcycles with perfected lien
As Low As; Cars, Trucks, Motorcycles with perfected lien
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer
As Low As; Model Year: New to 2016; Rates based on applicant's credit worthiness
As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
As Low As; Auto Loan Rates (Includes Touring Motorcycles > 1200 CC); Membership required; Assumes credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
As Low As; Auto Loan Rates (Includes Touring Motorcycles > 1200 CC); Membership required; Assumes credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
Model Year: 2026-2027 (New or Used)
- Sep 18, 20264.99%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Model Year: 2026-2027 (New or Used); Loan minimum: $10,000
- Sep 18, 20264.99%▼ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Model Year: 2016 and Older; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Rates effective 10/1/2026; Rate assumes loan to value of 100% or less; Not all borrowers will qualify for the lowest interest rate
As Low As; Effective date: 9/15/2026
- Sep 17, 20265.00%▼ from 5.50%
- Sep 12, 20265.50%first recorded
As Low As; Model year: 2025 - 2027 (new); Effective date: 9/15/2026
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
Credit Rating: 1
As Low As; Starting at; rate, maximum term and loan to value subject to credit score and year of vehicle; floor rate is 2.99%
As Low As; Rates may have additional adjustments for higher mileage
Credit Grade: A
Credit Grade: A
Credit Rating: 1
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Credit Rating: 1; Conditions apply
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
As Low As; Includes Touring Motorcycles > 1200 CC; Membership Required; Assumes a credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
As Low As; Auto Loan Rates (Includes Touring Motorcycles > 1200 CC); Membership required; Assumes credit score of 725+ on a new to HCU $17,000 fixed, secured loan, 2022 or newer vehicle with less than 130,000 miles, HCU Beyond Ultimate or Essential account with direct deposit, and auto-pay
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
New purchases only; 100% of sticker price may be financed
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2016 - 2021
- Oct 9, 20265.35%▲ from 4.60%
- Sep 14, 20264.60%first recorded
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.37%▲ from 5.12%
- Sep 22, 20265.12%first recorded
Model Year: 2026-2027 (New or Used)
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Model Year: 2016 - 2021
- Oct 9, 20265.45%▲ from 4.70%
- Sep 14, 20264.70%first recorded
As Low As; Model Year: 2023 - 2027 Models
As Low As; Cars, Trucks, Motorcycles with perfected lien
As Low As; Model Year: New to 2016; Rates based on applicant's credit worthiness
As Low As; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
Model Year: New/2025; APR footnote (*)
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
As Low As; Starting at; rate, maximum term and loan to value subject to credit score and year of vehicle; floor rate is 2.99%
As Low As; Starting at; rate, maximum term and loan to value subject to credit score and year of vehicle; floor rate is 2.99%
As Low As; Starting at; rate, maximum term and loan to value subject to credit score and year of vehicle; floor rate is 2.99%
As Low As; Rates may have additional adjustments for higher mileage
New purchases only; 100% of sticker price may be financed
Credit Grade: A
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.60%▲ from 5.35%
- Sep 22, 20265.35%first recorded
As Low As; Model Year: 2022 & Newer or previously untitled
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 17.19%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
As Low As; Advertised headline rate on Auto Loans page; Rates as of 10/22/2026
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $15,000
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
Min loan amount $30,000 and mileage under 20,000
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Vehicle Loan; vehicles over 10 years old; rates with approved credit
New purchases only; 100% of sticker price may be financed
Credit Grade: A
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20265.84%▲ from 5.58%
- Sep 22, 20265.58%first recorded
Credit Rating: 1
Credit Rating: 1
Published APR range: 5.91-10.73; Published rate range: 5.30-10.10. Year: New - 2025; Rates effective as of 09/16/2026
APR range: 5.94% to 17.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.94%▲ from 5.24%
- Oct 9, 20265.24%first recorded
Credit Rating: 1
Model Year: 2026-2027 (New or Used)
As Low As; Model Year: 2019 - 2022 Models
As Low As; Cars, Trucks, Motorcycles with perfected lien
As Low As; Model Year: New to 2016; Min. Amount Financed $40,000; Rates based on applicant's credit worthiness
As Low As; Vehicle Year: 2025 - 2021; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Model Year: New/2025; APR footnote (*)
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Credit Rating: 1
As Low As; Starting at; rate, maximum term and loan to value subject to credit score and year of vehicle; floor rate is 2.99%
As Low As; $25,000 minimum value; Rates may have additional adjustments for higher mileage
New purchases only; $20,000 minimum loan; 100% of sticker price may be financed
Model Year: 2025-2026; Tier: A; 84 Months only if auto has never been titled, loan is >$35,000.00, Tier A or B Member
Model Year: 2025-2026; Tier: A; 72 Months only if auto has never been titled
Model Year: 2025-2026; Tier: A
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Published APR range: 6.02-10.84; Published rate range: 5.55-10.35. Year: New - 2025; Rates effective as of 09/16/2026
Credit Rating: 1
As Low As; Year: 2022 or Newer; Loan Amount: $25,000; Exclusive rate for Hy-Vee PERKS members or Hy-Vee/Hy-Vee Subsidiary employees; Subject to credit approval
As Low As; Model Year: 2016 - 2021
- Oct 9, 20266.10%▲ from 4.80%
- Sep 14, 20264.80%first recorded
Published APR range: 6.16-10.98; Published rate range: 5.55-10.35. Year: 2024 - 2020; Rates effective as of 09/16/2026
Credit Rating: 2
- Oct 13, 20266.20%▲ from 4.85%
- Sep 22, 20264.85%▼ from 6.20%
- Sep 14, 20266.20%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Vehicle Loans; Model Years: 2018-2021
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less
As Low As; Model Year: New; Loan rates (APRs) effective on date of publication and subject to change; Kansas City metro area only
As Low As; Model Year: 2019 - 2022 Models
As Low As; Cars, Trucks, Motorcycles with perfected lien
As Low As; Model year: 2018 - 2026 (preowned); Effective date: 9/15/2026
Tier A+; Credit Score 730+; Model Year 2012-2019
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000; Min Loan: $15,000
As Low As; $35,000 minimum value
Model Year: 2024-2025 (Used)
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
Published APR range: 6.27-11.10; Published rate range: 5.80-10.60. Year: 2024 - 2020; Rates effective as of 09/16/2026
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
APR listed is the lowest possible APR for qualified borrowers; membership and credit qualifications required
- Oct 19, 20266.33%▲ from 6.08%
- Sep 22, 20266.08%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older; 76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20266.34%▲ from 6.14%
- Sep 22, 20266.14%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
Effective as of 10/20/2026
Credit Rating: 2
- Oct 13, 20266.45%▲ from 4.90%
- Sep 22, 20264.90%▼ from 6.45%
- Sep 14, 20266.45%first recorded
Effective as of 10/20/2026
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
Geneseo New Auto Auto Loan Rates
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
Credit Grade: A
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Tier A+; Credit Score 730+; LTV 125%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
As Low As; Annual Percentage Rate
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
As Low As; $25,000 minimum value
Credit Rating: 1
As Low As; Model Year: 2022 & Newer or previously untitled
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
Credit Rating: 1
Credit Rating: 1
As Low As; Model Year: 2022 & Newer or previously untitled
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Model Year: 2016 and Older; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Model year: 2025 - 2027 (new); Effective date: 9/15/2026
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
Tier A; Credit Score 729-680; LTV 115%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
Credit Rating: 1
Credit Rating: 1
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Credit Rating: 1; Conditions apply
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.24%▼ from 5.49%
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
New purchases only; 100% of sticker price may be financed
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
As Low As; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; New Auto 2026-2027 Mileage Under 10,000
New purchases only; 100% of sticker price may be financed
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; Model Year: 2022 & Newer or previously untitled
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 17.19%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
As Low As; Advertised headline rate on Auto Loans page; Rates as of 10/22/2026
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $15,000
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Minimum Loan: $15,000; New Auto 2026-2027 Mileage Under 10,000
New purchases only; 100% of sticker price may be financed
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; New vehicles: 2025 and newer model years with 30,000 or fewer miles
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
APR range: 5.94% to 17.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.94%▲ from 5.24%
- Oct 9, 20265.24%first recorded
Tier B; Credit Score 679-650; LTV 110%; Dealer Flat 200; Minimum Loan: $25,000; New Auto 2026-2027 Mileage Under 10,000
New purchases only; $20,000 minimum loan; 100% of sticker price may be financed
Model Year: 2025-2026; Tier: A; 84 Months only if auto has never been titled, loan is >$35,000.00, Tier A or B Member
Model Year: 2025-2026; Tier: A; 72 Months only if auto has never been titled
Model Year: 2025-2026; Tier: A
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; Year: 2022 or Newer; Loan Amount: $25,000; Exclusive rate for Hy-Vee PERKS members or Hy-Vee/Hy-Vee Subsidiary employees; Subject to credit approval
Credit Rating: 2
- Oct 13, 20266.20%▲ from 4.85%
- Sep 22, 20264.85%▼ from 6.20%
- Sep 14, 20266.20%first recorded
Financing amount: $45,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $45,000; Purchase of new car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Year: 2024-2026; less than 30,000 miles; Rates as of 9/18/2026
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less
As Low As; $35,000 minimum value
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Model Year: 2025-2024; Credit Grade: A; no discount on A rates on new vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles, or 7,500-30,000 miles (late model used vehicles); Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20266.29%▲ from 5.99%
- Sep 30, 20265.99%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Credit Rating: 2
- Oct 13, 20266.45%▲ from 4.90%
- Sep 22, 20264.90%▼ from 6.45%
- Sep 14, 20266.45%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Geneseo Used Auto Auto Loan Rates
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
Credit Grade: A
Credit Grade: A
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Model Year: 2016 and Older; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
As Low As; Rates effective 10/1/2026; Rate assumes loan to value of 100% or less; Not all borrowers will qualify for the lowest interest rate
Credit Grade: A
Credit Grade: A
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Models: New and Used 2020 and Newer; Must qualify for the lowest rate
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Model Year: New to 2022; Auto loan rates include .25% discount for automatic electronic loan payment or 20% down payment; discounts cannot be combined
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
As Low As; 60-month auto loan options; as of Oct. 19, 2026; excludes BofA Rewards discount up to 0.50%; advertised APR assumes excellent credit history
- Oct 20, 20265.44%▼ from 5.69%
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Credit Grade: A
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 19, 2026 ET
As Low As; Advertised APR assumes excellent credit; Rates as of Oct 19, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 16.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
APR range: 5.69% to 17.19%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%first recorded
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $15,000
- Sep 29, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rates, terms and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions.
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Credit Grade: A
As Low As; Models: New and Used 2022 and Newer; Must qualify for the lowest rate
Credit Rating: 1
Credit Rating: 1
APR range: 5.94% to 17.69%; Secured loan; RV, Camper, Boat: add 1% to the above stated APR; Lowest stated loan rate contingent upon having a Skyward checking account and setting up automatic loan payments
- Oct 19, 20265.94%▲ from 5.24%
- Oct 9, 20265.24%first recorded
Credit Rating: 1
As Low As; Vehicle Year: 2025 - 2021; APR Type: Fixed; for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. Please contact credit union for loan amount requirements for terms greater than 60 months.
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Credit Rating: 1
Credit Rating: 1
As Low As; Vehicle Loans; 100% Financing with qualified credit; Model Years: 2022 & Newer; Minimum Loan Amount: $20,000
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Vehicle Loans; Model Years: 2018-2021
- Sep 29, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Model Year: New to 2022; Minimum financed amount of $35,000.00, 50,000 miles or less
Tier A+; Credit Score 730+; Model Year 2012-2019
Tier A; Credit Score 729-680; LTV 115%; Model Year 2020-2026; Mileage between 10,000 and 60,000
Tier A+; Credit Score 730+; LTV 125%; Model Year 2020-2026; Mileage between 10,000 and 60,000; Min Loan: $15,000
As Low As; Model Year: 2025-2015; Lowest possible APR based on credit worthiness for qualified borrowers
Financing amount: $30,000; For online applicants with excellent credit history; Your rate may vary based on credit history, vehicle, financing amount and term
Financing amount: $30,000; Purchase of used car; For online applicants with excellent credit; Last updated 10/1/2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
Geneseo, KS Auto Loan Rate Trends
Compare local Geneseo, 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 0.068 points over the past 7 days to 5.782% APR.
Kansas used auto rates rose 0.006 points over the past 7 days to 6.565% APR.
Geneseo, 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 @ 5.78% APR KS average | Used Auto @ 6.57% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.47/mo | $293.95/mo | $5.48/mo |
| $25,000 | $480.79/mo | $489.92/mo | $9.13/mo |
| $35,000 | $673.11/mo | $685.89/mo | $12.78/mo |
| $45,000 | $865.42/mo | $881.86/mo | $16.43/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 Geneseo, Kansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Geneseo, 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 Geneseo, 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: Geneseo, 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 $577 monthly car payment works out to roughly 16.1% of the median individual income in Kansas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Geneseo, 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 to 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 to 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 Geneseo, 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 Geneseo, 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 Geneseo, 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 Geneseo, 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.
Bad Credit Auto Loans in Geneseo, Kansas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Geneseo, 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 Geneseo, 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?
Can I get an auto loan with bad credit in Geneseo, Kansas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Geneseo, Kansas?
- Cooperative Credit Union: 2.00% (New Auto Loan)
- Bell Credit Union: 3.75% (Vehicle Loan - 2026-2025 New Vehicles)
- Baxter Credit Union: 3.84% (Auto Loan)
- First Service Credit Union: 3.99% (Auto Loan)
- Navy Federal Credit Union: 4.09% (Business Vehicle Loan - New Business Vehicle)
Geneseo, Kansas Rates & Resources
