Haviland, Kansas Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Haviland, Kansas include Cooperative Credit UnionCooperative Credit UnionA+5.0 ★Texas Ratio: 2.06% offering NEW Auto 2025-2026 Mileage Under 10,000 at 2.00%, Bell Credit UnionBell Credit UnionA5.0 ★Texas Ratio: 11.72% offering 2026-2025 New Vehicles Loan at 3.75%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.60% offering Auto Loan at 3.99%, First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 4.69% offering Auto Loan at 3.99%, Hutchinson Postal and Community Credit UnionHutchinson Postal and Community Credit UnionA5.0 ★Texas Ratio: 7.18% offering New Vehicles Loan at 4.00%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Haviland borrowers have access to 38 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 — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Haviland, Kansas. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Haviland, Kansas & Surrounding Area
Haviland Auto Loan Rates
Tier A+
Tier A+
Tier A
Model Year: 2024-2026 (New or Used)
As Low As
Tier A
Rate Discounts: You may qualify for a discount on the rates above (no discount on A rates on new vehicles). CD and Share loans are excluded from rate discounts.
2026 & Newer
As low as
Tier A
100% of Dealer Sticker
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Tier A+
As Low As
As Low As
100% of NADA value
Tier B
As Low As
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. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.
100% Financing with qualified credit
As Low As
As Low As
As Low As
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Model Year: 2024-2026 (New or Used)
As Low As
As Low As
Model Year: 2025-2015
As Low As;*
Tier A
100% of NADA value
As Low As
As Low As
As Low As
As Low As
**Conditions apply
2023 - 2025*
As low as
As low as
As Low As
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Tier B
As Low As*
As Low As*
As Low As
As Low As; $20,000 minimum value
Model Year: 2024-2026 (New or Used)
As Low As***; For example a $30,000 loan at an interest rate of 5.25% for a 72-month term, on a 2021 or newer automobile with a 740+ credit score, monthly payment would be $486.75, (Annual Percentage Rate 5.49%). Monthly payment amounts vary by loan term and rates. 72 month-term eligible on vehicles with loan amounts greater than $30,000. Lowest possible APR based on credit and underwriting for qualified borrowers. Please note: Loan is subject to credit approval. Rates offered are not guaranteed and are subject to change without notice.
100% of Dealer Sticker
$15,000 minimum
As Low As
As Low As
As Low As
As Low As
Model Year: 2025-2015
For 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+) approved by Exchange Bank & Trust. Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval. Contact us for details.
Rates as low as...; New- 2025 - 2027 model
As Low As;*
Tier B
Year: 2022 or Newer
As low as
2016 - 2026
As Low As
As low as
2018 - 2026
As low as
2022 - 2026
As Low As;*
Tier B
Model Year: 2025-2015
As Low As*
As Low As*
As low as
2023 - 2026
100% of NADA value
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As
Model Year: 2024-2026 (New or Used)
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Rate updated as of 5/4/2026 and is subject to change. Annual Percentage Rate is based on a $30,000 loan amount with a contract interest rate of 5.99% and would require 71 monthly payments $497.75 and one payment of $498.19 resulting in a 5.993% APR.
$20,000 minimum
2018-2021 Model Years
As Low As
As Low As
As Low As
Model Year: 2022-2023
Vehicle Year 2025 - 2021. 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. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
No Origination Fee!
Tier B
*72 Months only if auto has never been titled
*72 Months only if auto has never been titled
100% of NADA value
2023 - 2025*
As low as
As Low As
2018-2021 Model Years; $15,000 minimum
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Rates as low as...; Preowned- 2016 - 2026 model
Tier A+
Model Year: 2022-2023
Model Year: 2025-2015
100% of Dealer Sticker
Year: 2019 - 2021
As Low As*
As Low As
As Low As
As Low As
Vehicle Year 2020 - 2016. 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. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
Tier A+
As Low As*
As Low As; $20,000 minimum value
As Low As
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
Model Year: 2022-2023
2% Origination Fee ($100 maximum)
As Low As
As Low As; $35,000 minimum value
2018-2021 Model Years; $20,000 minimum
As Low As
As Low As
As Low As; Fixed
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
As Low As;*
Tier A
*84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
100% of NADA value
Tier A
Model Year: 2016-2021
As Low As; Minimum Loan Amount: $10,000
As Low As*
2% Origination Fee ($100 maximum)
100% of NADA value
2017 & Older Model Years
As Low As
As Low As
Vehicle Year 2015 - older. For 72 months add 0.25%. Please contact credit union for loan amount requirements for terms greater than 60 months. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
Haviland New Auto Auto Loan Rates
Tier A+
Tier A+
Tier A
Tier A
Rate Discounts: You may qualify for a discount on the rates above (no discount on A rates on new vehicles). CD and Share loans are excluded from rate discounts.
As low as
Tier A
100% of Dealer Sticker
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
Tier A+
Tier B
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. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.
100% Financing with qualified credit
As Low As
As Low As
As Low As
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
As Low As;*
Tier A
**Conditions apply
As low as
As Low As
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Tier B
As Low As*
As Low As; $20,000 minimum value
100% of Dealer Sticker
$15,000 minimum
As Low As
As Low As
As Low As
For 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
Rates as low as...; New- 2025 - 2027 model
Tier B
As low as
As low as
As low as
Tier B
As Low As*
As low as
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
$20,000 minimum
As Low As
As Low As
No Origination Fee!
Tier B
*72 Months only if auto has never been titled
*72 Months only if auto has never been titled
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
100% of Dealer Sticker
As Low As*
As Low As
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
As Low As; $35,000 minimum value
*84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B
As Low As; Minimum Loan Amount: $10,000
Haviland Used Auto Auto Loan Rates
100% of NADA value
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. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.
100% Financing with qualified credit
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
100% of NADA value
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
$15,000 minimum
As Low As
As Low As;*
2016 - 2026
2018 - 2026
2022 - 2026
As Low As;*
2023 - 2026
100% of NADA value
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
$20,000 minimum
2018-2021 Model Years
As Low As
Vehicle Year 2025 - 2021. 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. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
100% of NADA value
2018-2021 Model Years; $15,000 minimum
Secured loans are fixed rate products based on loan term, creditworthiness, and collateral value. Lowest stated loan rate is contingent upon having a Skyward checking account and setting up automatic loan payments. Fees, limitations, and conditions may apply.
Tier A+
As Low As
As Low As
Vehicle Year 2020 - 2016. 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. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
Tier A+
As Low As
Tier A
2018-2021 Model Years; $20,000 minimum
As Low As
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
100% of NADA value
Tier A
As Low As; Minimum Loan Amount: $10,000
100% of NADA value
2017 & Older Model Years
As Low As
Vehicle Year 2015 - older. For 72 months add 0.25%. Please contact credit union for loan amount requirements for terms greater than 60 months. All rates listed above are the best qualifying rates and assume automatic payment. All rates are subject to credit approval and subject to change without notice. Rates apply to new Topeka Police Credit Union loans and refinances from other financial institutions. Your rate will be determined by your credit background, collateral and payment method. Your term will be determined by year of vehicle and/or amount financed.
As Low As; Loans are currently only available to borrowers in the Kansas City metro area.
Tier A
Haviland, KS Auto Loan Rate Trends
Compare local Haviland, 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 0.140 points over the past 7 days to 6.791% APR.
Kansas used auto rates rose 0.107 points over the past 7 days to 8.227% APR.
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 @ 6.79% APR KS average | Used Auto @ 8.23% APR KS average | Monthly Difference |
|---|---|---|---|
| $15,000 | $295.54/mo | $305.78/mo | $10.24/mo |
| $25,000 | $492.57/mo | $509.63/mo | $17.06/mo |
| $35,000 | $689.59/mo | $713.48/mo | $23.88/mo |
| $45,000 | $886.62/mo | $917.33/mo | $30.71/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.
About Our Haviland, Kansas Auto Loan Rate Database
Our Haviland, Kansas auto loan tables currently track 38 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Haviland, Kansas database right now is 2.00% APR from Cooperative Credit Union on a 36-month term. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Haviland, Kansas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Haviland, 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 Haviland, 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 → Haviland, 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 $591 monthly car payment works out to roughly 16.5% of the median individual income in Kansas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Haviland, 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 Haviland, 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 Haviland, 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 Haviland, 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 Haviland, 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 Haviland, 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 Haviland, Kansas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Haviland, Kansas?
- 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)
- First Service Credit Union: 3.99% (Auto Loan)
- Hutchinson Postal and Community Credit Union: 4.00% (New Vehicles Loan)
Haviland, Kansas Rates & Resources
