Current auto loan rates in Lawrence, Kansas include Mainstreet Federal Credit UnionMainstreet Federal Credit Union1001 E 23rd St, Lawrence, KS, 66046 5003A+5.0 ★Texas Ratio: 1.79% offering New & Used Vehicle at 4.99%, Truity Federal Credit UnionTruity Federal Credit Union3400 W 6th St, Lawrence, KS, 66049 3215A5.0 ★Texas Ratio: 7.04% offering Autos 2022-New at 5.74%, Mid American Credit UnionMid American Credit Union550 N Wakarusa Dr, Lawrence, KS, 66049A+5.0 ★Texas Ratio: 5.01% offering Auto Loan at 5.74%, Midwest Regional Credit UnionMidwest Regional Credit Union1016 W 6th ST, LAWRENCE, KS, 66044 2213A+5.0 ★Texas Ratio: 2.52% offering Auto Loan at 6.55%, Central National BankCentral National Bank603 W 9th St, Lawrence, KS, 66044A+5.0 ★Texas Ratio: 0.55% offering 2021 and Newer Autos at 6.58%.
Auto loan rates in Lawrence, 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 Lawrence, Kansas. Auto Loan Rates Last Updated and Verified: March 21, 2026
As Low As; 100% Financing with qualified credit
As Low As
As Low As; New to 2022
As Low As
As Low As
As Low As; 2021 to 2017
As Low As
As Low As; 100% financing with qualified credit
As Low As
2% Origination Fee ($100 maximum)
As Low As
2% Origination Fee ($100 maximum)
As Low As; 100% financing with qualified credit
As Low As
As Low As
2% Origination Fee ($100 maximum)
As Low As
As Low As
2% Origination Fee ($100 maximum)
As Low As; 100% financing with qualified credit
As Low As
As Low As
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
As Low As
As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
As Low As
As Low As
As Low As; APR - 2026 & Newer
"A" APR
Model Year: 2024-2026 (New or Used)
As Low As; APR - 2026 & Newer
As Low As
As Low As
As Low As
"A" APR
"A" APR
As Low As; APR - 2023 - 2025*
"A" APR
As Low As; for new
"A" APR
As Low As; terms up to 84 months
* Lowest rate possible for qualified borrowers based on credit background. Includes .25% discount with automatic payments and e-statements enrollment. * Example: $20,000 @ 4.95% for 60 months is an estimated monthly payment of $376.97. * Rates for longer terms up to 84 months available. Please ask a loan officer for more details and information * Effective date 10-1-2025.
Model Year: 2024-2026 (New or Used)
As Low As; APR - 2023 - 2025*
As Low As
Direct Deposit APR
"A" APR
"A" APR
As Low As
As Low As
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
Model Year: 2024-2026 (New or Used)
As Low As
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
As Low As
Direct Deposit APR
As Low As; Model Year 2025-2015
"A" APR
As Low As
Loan Amount: $25,000; Payment Example: Monthly Payment: $478.68
Direct Deposit APR
"A" APR
As Low As
As Low As; Model Year 2025-2015
As Low As
Model Year: 2024-2026 (New or Used)
Model Year: 2022-2023
As Low As; APR - 2023 - 2025*
As Low As
As Low As
Standard 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
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
As Low As
Standard APR
Up to 48 Mo
Up to 36 Mo
Standard APR
Model Year: 2022-2023
"A" APR
"B" APR
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
"A" APR
As Low As
Model Year: 2016-2021
"B" APR
As Low As
As Low As
48 months max
As Low As
"B" APR
As Low As
"B" APR
As Low As
Model Year: 2024-2026 (New or Used)
As Low As
Model Year: 2016-2021
*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
"B" APR
"B" APR
"C" APR
As Low As
As Low As
Loan Amount: $15,000; Payment Example: Monthly Payment: $475.41
"B" APR
"B" APR
"C" 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
"B" APR
As Low As
Model Year: 2022-2023
"C" APR
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As; 100% financing with qualified credit
2% Origination Fee ($100 maximum)
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
As Low As; 100% financing with qualified credit
As Low As; Min. Amount Financed $20,000
As Low As; Min. Amount Financed $20,000
"A" APR
"A" APR
"A" APR
As Low As; terms up to 84 months
As Low As
Direct Deposit APR
Direct Deposit APR
As Low As; Model Year 2025-2015
As Low As
As Low As
As Low As
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
As Low As
Direct Deposit APR
As Low As; Model Year 2025-2015
Direct Deposit APR
As Low As; Model Year 2025-2015
As Low As
Standard 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
Standard APR
As Low As; Model Year 2025-2015
Standard APR
Standard APR
"B" 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
"B" APR
As Low As
"B" 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
As Low As
"C" APR
"C" 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
As Low As
"C" APR
As Low As; 100% Financing with qualified credit
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As
As Low As; 100% financing with qualified credit
As Low As
As Low As
As Low As
"A" APR
"A" APR
As Low As; terms up to 84 months
Direct Deposit APR
"A" APR
"A" APR
Direct Deposit APR
As Low As; Model Year 2025-2015
Direct Deposit APR
As Low As; Model Year 2025-2015
"A" APR
As Low As
Direct Deposit APR
"A" APR
As Low As
As Low As; Model Year 2025-2015
As Low As
Standard APR
Standard APR
As Low As; Model Year 2025-2015
As Low As
Standard APR
Standard APR
"A" APR
As Low As
"A" APR
As Low As
48 months max
As Low As
"B" APR
As Low As
"B" APR
"B" APR
"B" APR
"B" APR
"B" APR
As Low As