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Auto Loan Rates in Topeka, Kansas (KS) for May 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
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 Topeka, Kansas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 5, 2026

Current auto loan rates in Topeka, Kansas include Envista Federal Credit UnionEnvista Federal Credit Union3626 SW Wanamaker Rd, Topeka, KS, 66614 4528A+5.0 ★Texas Ratio: 2.83% offering Auto Loans 2022 & Newer 60 Months at 5.30%, Topeka Police Credit UnionTopeka Police Credit Union320 S Kansas Ave Ste 100, Topeka, KS, 66603 3644A+5.0 ★Texas Ratio: 2.63% offering New Vehicle at 5.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.78% offering Auto Loan at 3.99%, First Service Credit UnionFirst Service Credit UnionA+5.0 ★Texas Ratio: 5.02% offering Auto Loan at 3.99%. Auto loan rates as of May 5, 2026 according to verified data from MonitorBankRates.

Topeka has 2 local institutions in our database, with auto loan rates as low as 5.30% APR from Envista Federal Credit Union at 3626 SW Wanamaker Rd, Topeka, KS, 66614 4528. 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 Topeka, Kansas. Auto Loan Rates Last Updated and Verified: May 5, 2026

Compare Auto Loan Rates Today in Topeka, Kansas & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 60 Months
5.30%
60 Months
View
▼
APR5.30%
Term60 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.14%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2021 - 2011 48 Months
5.34%
48 Months
View
▼
APR5.34%
Term48 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.14%

Topeka Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
320 S Kansas Ave Ste 100, Topeka, KS, 66603 3644
New Vehicle
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

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%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 72 Months
5.77%
72 Months
View
▼
APR5.77%
Term72 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.64%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2021 - 2011 60 Months
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.64%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 84 Months
6.47%
84 Months
View
▼
APR6.47%
Term84 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 6.39%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2021 - 2011 72 Months
6.53%
72 Months
View
▼
APR6.53%
Term72 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 6.39%

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
3.99%
66 Months
View
▼
APR3.99%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
View
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.74%
Up to 63 Months
View
▼
APR4.74%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.99%
64 to 75 Months
View
▼
APR4.99%
Term64 to 75 Months
Last UpdatedApr 19, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Reliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; New 2024-Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.10%
24 months
View
▼
APR5.10%
Term24 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.15%
36 months
View
▼
APR5.15%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.20%
48 months
View
▼
APR5.20%
Term48 months
Last UpdatedMay 2, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.35%
84 months
View
▼
APR5.35%
Term84 months
Last UpdatedMay 2, 2026
Details

Conditions apply

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.40%
42 Months
View
▼
APR5.40%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Reliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedMay 2, 2026
Details

As Low As; New 2024-Newer

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2024-2020 Vehicle Loan
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New/2025 Vehicle Loan
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto - up to 5 years old
5.50%
Up to 72 months
View
▼
APR5.50%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 2, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loan
5.58%
60 Months
View
▼
APR5.58%
Term60 Months
Last UpdatedMay 5, 2026
Details

2022 or Newer

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedApr 17, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto - 6 - 10 years old
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 2, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.95%
52 Months
View
▼
APR5.95%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
5.99%
78 Months
View
▼
APR5.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2024-2020 Vehicle Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New/2025 Vehicle Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months A
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months A
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

*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

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 84 Months A
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

*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&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.10%
24 months
View
▼
APR6.10%
Term24 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.15%
36 months
View
▼
APR6.15%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.20%
48 months
View
▼
APR6.20%
Term48 months
Last UpdatedMay 2, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedApr 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
6.25%
42 Months
View
▼
APR6.25%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.25%
60 months
View
▼
APR6.25%
Term60 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.30%
72 months
View
▼
APR6.30%
Term72 months
Last UpdatedMay 2, 2026
Details

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loan
6.38%
48 Months
View
▼
APR6.38%
Term48 Months
Last UpdatedMay 5, 2026
Details

2019 - 2021

First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loans
6.43%
72 Months
View
▼
APR6.43%
Term72 Months
Last UpdatedMay 4, 2026
Details

Up to 72 Mo

First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loans
6.46%
60 Months
View
▼
APR6.46%
Term60 Months
Last UpdatedMay 4, 2026
Details

Up to 60 Mo

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.49%
48 months
View
▼
APR6.49%
Term48 months
Last UpdatedApr 17, 2026
Details

Reliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedMay 2, 2026
Details

As Low As; New 2024-Newer

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older A
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 A
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loans
6.51%
48 Months
View
▼
APR6.51%
Term48 Months
Last UpdatedMay 4, 2026
Details

Up to 48 Mo

First National Bank of Hutchinson
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Auto Loans
6.59%
36 Months
View
▼
APR6.59%
Term36 Months
Last UpdatedMay 4, 2026
Details

Up to 36 Mo

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2020-2021
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedApr 17, 2026
Details

Reliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
6.74%
60 months
View
▼
APR6.74%
Term60 months
Last UpdatedMay 2, 2026
Details

As Low As; Used 2019-2016

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
6.75%
52 Months
View
▼
APR6.75%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
6.79%
60 months
View
▼
APR6.79%
Term60 months
Last UpdatedMay 2, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2016-2019
6.99%
60 months
View
▼
APR6.99%
Term60 months
Last UpdatedApr 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
76-84 months
View
▼
APR6.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months B
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months B
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

*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

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 84 Months B
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

*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

Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Older Autos - over 10 years old
7.00%
Up to 48 months
View
▼
APR7.00%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
7.00%
84 months
View
▼
APR7.00%
Term84 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
7.19%
72 months
View
▼
APR7.19%
Term72 months
Last UpdatedMay 2, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
7.25%
52 Months
View
▼
APR7.25%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2016-2021

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
7.29%
48 months
View
▼
APR7.29%
Term48 months
Last UpdatedMay 2, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
Up to 48 months
View
▼
APR7.49%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Reliance Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.71%
Auto Loans
7.49%
48 months
View
▼
APR7.49%
Term48 months
Last UpdatedMay 2, 2026
Details

As Low As; Used 2015-Older

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2019 & Older Vehicle Loan
7.49%
36 Months
View
▼
APR7.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older B
7.50%
36 Months
View
▼
APR7.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 B
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 B
7.50%
60 Months
View
▼
APR7.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2019 & Older Vehicle Loan
7.99%
48 Months
View
▼
APR7.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months C
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months C
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
8.00%
66 Months
View
▼
APR8.00%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2016-2021

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
8.50%
84 Months
View
▼
APR8.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

for $40K+

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older C
8.50%
36 Months
View
▼
APR8.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 C
8.50%
48 Months
View
▼
APR8.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 C
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loan
8.73%
36 Months
View
▼
APR8.73%
Term36 Months
Last UpdatedMay 5, 2026
Details

2016 - 2018

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2015-Older
8.99%
48 months
View
▼
APR8.99%
Term48 months
Last UpdatedApr 17, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
9.00%
81 Months
View
▼
APR9.00%
Term81 Months
Last UpdatedApr 19, 2026
Details

for $40K+

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months D
9.00%
60 Months
View
▼
APR9.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months D
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
Auto Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older D
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 D
9.50%
48 Months
View
▼
APR9.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 D
9.50%
60 Months
View
▼
APR9.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

Midwest Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
Auto Loan
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedMay 5, 2026
Details

2015 - 2011

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 60 Months
5.30%
60 Months
View
▼
APR5.30%
Term60 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.14%

Topeka Police Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
320 S Kansas Ave Ste 100, Topeka, KS, 66603 3644
New Vehicle
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedApr 19, 2026
Details

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%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 72 Months
5.77%
72 Months
View
▼
APR5.77%
Term72 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 5.64%

Envista Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
3626 SW Wanamaker Rd, Topeka, KS, 66614 4528
Auto Loans 2022 & Newer 84 Months
6.47%
84 Months
View
▼
APR6.47%
Term84 Months
Last UpdatedMay 2, 2026
Details

Best Rate: 6.39%

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.74%
Up to 63 Months
View
▼
APR4.74%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.99%
64 to 75 Months
View
▼
APR4.99%
Term64 to 75 Months
Last UpdatedApr 19, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.10%
24 months
View
▼
APR5.10%
Term24 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.15%
36 months
View
▼
APR5.15%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.20%
48 months
View
▼
APR5.20%
Term48 months
Last UpdatedMay 2, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.25%
36 months
View
▼
APR5.25%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.30%
72 months
View
▼
APR5.30%
Term72 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
New Vehicle
5.35%
84 months
View
▼
APR5.35%
Term84 months
Last UpdatedMay 2, 2026
Details

Conditions apply

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New/2025 Vehicle Loan
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedMay 2, 2026
Details

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Autos 2022-New
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedMay 2, 2026
Details

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Crossroads Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
New/2025 Vehicle Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months A
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months A
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

*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

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 84 Months A
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

*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&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months B
7.00%
60 Months
View
▼
APR7.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months B
7.00%
72 Months
View
▼
APR7.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

*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

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 84 Months B
7.00%
84 Months
View
▼
APR7.00%
Term84 Months
Last UpdatedApr 19, 2026
Details

*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&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New Auto Loans
7.00%
84 months
View
▼
APR7.00%
Term84 months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months C
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months C
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles
8.50%
84 Months
View
▼
APR8.50%
Term84 Months
Last UpdatedApr 19, 2026
Details

for $40K+

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 60 Months D
9.00%
60 Months
View
▼
APR9.00%
Term60 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
New Vehicles 72 Months D
9.00%
72 Months
View
▼
APR9.00%
Term72 Months
Last UpdatedApr 19, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.74%
Up to 63 Months
View
▼
APR4.74%
TermUp to 63 Months
Last UpdatedApr 19, 2026
Details

As Low As

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
4.99%
64 to 75 Months
View
▼
APR4.99%
Term64 to 75 Months
Last UpdatedApr 19, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto - up to 5 years old
5.50%
Up to 72 months
View
▼
APR5.50%
TermUp to 72 months
Last UpdatedMay 2, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details

Central Kansas Education Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
Used Auto - 6 - 10 years old
5.75%
Up to 60 months
View
▼
APR5.75%
TermUp to 60 months
Last UpdatedMay 2, 2026
Details

Mid American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
New/Used Auto Loans
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedApr 19, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.10%
24 months
View
▼
APR6.10%
Term24 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.15%
36 months
View
▼
APR6.15%
Term36 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.20%
48 months
View
▼
APR6.20%
Term48 months
Last UpdatedMay 2, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.25%
60 months
View
▼
APR6.25%
Term60 months
Last UpdatedMay 2, 2026
Details

KUMC Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.09%
Used Vehicle
6.30%
72 months
View
▼
APR6.30%
Term72 months
Last UpdatedMay 2, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older A
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 A
6.50%
48 Months
View
▼
APR6.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
6.79%
60 months
View
▼
APR6.79%
Term60 months
Last UpdatedMay 2, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
76-84 months
View
▼
APR6.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
7.19%
72 months
View
▼
APR7.19%
Term72 months
Last UpdatedMay 2, 2026
Details

B&V Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Used Auto Loans
7.29%
48 months
View
▼
APR7.29%
Term48 months
Last UpdatedMay 2, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
Up to 48 months
View
▼
APR7.49%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older B
7.50%
36 Months
View
▼
APR7.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 B
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 B
7.50%
60 Months
View
▼
APR7.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
8.49%
36 Months
View
▼
APR8.49%
Term36 Months
Last UpdatedApr 19, 2026
Details

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older C
8.50%
36 Months
View
▼
APR8.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 C
8.50%
48 Months
View
▼
APR8.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 C
8.50%
60 Months
View
▼
APR8.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

McPherson Co-op Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles
9.00%
81 Months
View
▼
APR9.00%
Term81 Months
Last UpdatedApr 19, 2026
Details

for $40K+

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2016 & Older D
9.50%
36 Months
View
▼
APR9.50%
Term36 Months
Last UpdatedApr 19, 2026
Details

Up to 36 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2017-2021 D
9.50%
48 Months
View
▼
APR9.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

Up to 48 Months

Morton Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.38%
Used Vehicles 2022-2024 D
9.50%
60 Months
View
▼
APR9.50%
Term60 Months
Last UpdatedApr 19, 2026
Details

Up to 60 Months

Topeka, KS Auto Loan Rate Trends

Compare local Topeka, 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.

View Full Kansas Auto Trends →
New Auto Loan — KS Avg
6.211%
▼ 0.365 vs 7 days ago

Kansas new auto rates fell 0.365 points over the past 7 days to 6.211% APR.

Used Auto Loan — KS Avg
6.450%
▼ 0.813 vs 7 days ago

Kansas used auto rates fell 0.813 points over the past 7 days to 6.450% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Topeka, 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 Topeka, 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 Topeka, 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.

What are the best Auto Loan rates in Topeka, Kansas?

Based on our current data, some of the lowest auto loan rates available in Topeka, Kansas include:
  • Envista Federal Credit Union: 5.30% (Auto Loans 2022 & Newer 60 Months)
  • Topeka Police Credit Union: 5.49% (New Vehicle)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • County Credit Union: 3.99% (Auto Loan)
  • First Service Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Topeka, Kansas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 5, 2026

Topeka, Kansas Rates & Resources

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