Current auto loan rates in Kansas City, Kansas include Mainstreet Federal Credit UnionMainstreet Federal Credit Union8245 State Ave, Kansas City, KS, 66112A+5.0 ★Texas Ratio: 1.79% offering New & Used Vehicle at 4.99%, KUMC Credit UnionKUMC Credit Union3901 Rainbow Blvd, Kansas City, KS, 66160A+5.0 ★Texas Ratio: 0.09% offering New Vehicle at 5.10%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union7714 State Ave, Kansas City, KS, 66112B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%, Midwest Regional Credit UnionMidwest Regional Credit Union7240 STATE AVE, KANSAS CITY, KS, 66112A+5.0 ★Texas Ratio: 2.52% offering Auto Loan at 6.55%, Capitol Federal Savings BankCapitol Federal Savings Bank7600 State Ave, Kansas City, KS, 66112A+5.0 ★Texas Ratio: 1.06% offering New Vehicle at 7.10%. Auto loan rates as of March 27, 2026 according to verified data from MonitorBankRates.
Auto loan rates in Kansas City, Kansas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Kansas City, Kansas. Auto Loan Rates Last Updated and Verified: March 27, 2026
As Low As; 100% Financing with qualified credit
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As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
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As Low As; APR - 2026 & Newer
Model Year: 2024-2026 (New or Used)
As Low As; APR - 2026 & Newer
As Low As
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As Low As
As Low As; APR - 2023 - 2025*
As Low As; for new
As Low As; terms up to 84 months
As Low As; Includes .25% discount with automatic payments and e-statements enrollment.
Direct Deposit APR
As Low As
Model Year: 2024-2026 (New or Used)
As Low As; APR - 2023 - 2025*
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Direct Deposit APR
As Low As; Model Year 2025-2015
As Low As
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As Low As
Model Year: 2024-2026 (New or Used)
As Low As
Direct Deposit APR
As Low As
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As Low As; Model Year 2025-2015
As Low As; Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
As Low As
Loan Amount: $25,000; Payment Example: Monthly Payment: $478.68
Direct Deposit APR
As Low As; New to 2022
As Low As
As Low As; Model Year 2025-2015
As Low As
Model Year: 2024-2026 (New or Used)
Standard APR
As Low As
As Low As
Model Year: 2022-2023
As Low As; 2021 to 2017
As Low As; APR - 2023 - 2025*
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
Standard APR
Model Year: 2022-2023
As Low As; Model Year 2025-2015
Loan Amount: $20,000; Payment Example: Monthly Payment: $473.41
Up to 72 Mo
Up to 60 Mo
Standard APR
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
Up to 48 Mo
2% Origination Fee ($100 maximum)
Up to 36 Mo
Standard APR
As Low As
Model Year: 2022-2023
"B" APR
2% Origination Fee ($100 maximum)
As Low As
As Low As
As Low As
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
As Low As
Model Year: 2016-2021
"B" APR
As Low As
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
As Low As; terms up to 84 months
Direct Deposit APR
As Low As
As Low As
Direct Deposit APR
As Low As; Model Year 2025-2015
As Low As
As Low As
As Low As
Direct Deposit APR
As Low As
As Low As
As Low As; Model Year 2025-2015
As Low As; Up to 60 months, for 72 months add 0.25%, for 84 months add 1.25%, for 96 months add 1.75%
Direct Deposit APR
As Low As; Model Year 2025-2015
Standard APR
As Low As
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
Standard APR
As Low As; Model Year 2025-2015
Standard APR
2% Origination Fee ($100 maximum)
Standard APR
As Low As
"B" APR
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
*72 Months only if auto has never been titled *84 Months only if auto has never been titled/Loan is >$35,000.00/Tier A or B Member
"B" APR
As Low As
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As
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As Low As; terms up to 84 months
Direct Deposit APR
Direct Deposit APR
As Low As; Model Year 2025-2015
Direct Deposit APR
As Low As; Model Year 2025-2015
As Low As
Direct Deposit APR
As Low As
As Low As; Model Year 2025-2015
Standard APR
As Low As
Standard APR
As Low As; Model Year 2025-2015
Standard APR
As Low As
Up to 36 Months
Up to 48 Months
Up to 60 Months
Standard APR
As Low As
As Low As
Weekly national average APRs for new and used auto loans
Auto loan rate data from our database of 8,500+ banks and credit unions — updated weekly.
New auto loan rates rose 0.226 points this week to 6.040% APR, up from 5.814% last week.
Used auto loan rates rose 0.078 points this week to 6.590% APR, up from 6.511% last week.