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Auto Loan Rates in Bridgeton, Missouri (MO) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

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 Bridgeton, Missouri. 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 7, 2026

Current auto loan rates in Bridgeton, Missouri include Vantage Credit UnionVantage Credit Union11915 Saint Charles Rock Rd, Bridgeton, MO, 63044A5.0 ★Texas Ratio: 6.30% offering Auto Loan at 7.99%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.69% offering NEW VEHICLES at 3.74%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.51% offering Auto Loans at 3.89%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.78% offering Auto Loan at 3.99%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.

Bridgeton has 1 local institution in our database, with auto loan rates as low as 7.99% APR from Vantage Credit Union at 11915 Saint Charles Rock Rd, Bridgeton, MO, 63044. 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 Bridgeton, Missouri. Auto Loan Rates Last Updated and Verified: May 7, 2026

Compare Auto Loan Rates Today in Bridgeton, Missouri & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
7.99%
12-48
View
▼
APR7.99%
Term12-48
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
8.99%
Up to 60
View
▼
APR8.99%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
9.24%
12-36
View
▼
APR9.24%
Term12-36
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
9.49%
Up to 48
View
▼
APR9.49%
TermUp to 48
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
9.74%
Up to 60
View
▼
APR9.74%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
11915 Saint Charles Rock Rd, Bridgeton, MO, 63044
Auto Loan
9.99%
Up to 72
View
▼
APR9.99%
TermUp to 72
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

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

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
View
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fixed-Rate up to 36 months

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

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*

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 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)

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

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

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*

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 2, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

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)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 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

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.49%
up to 72 Month Term
View
▼
APR5.49%
Termup to 72 Month Term
Last UpdatedMay 2, 2026
Details

Credit Score of 700+

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

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 UpdatedMay 7, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

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)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

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

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.99%
up to 72 Month Term
View
▼
APR5.99%
Termup to 72 Month Term
Last UpdatedMay 2, 2026
Details

Credit Score of 670-699

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*

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.00%
36 months
View
▼
APR6.00%
Term36 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

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

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.25%
48 months
View
▼
APR6.25%
Term48 months
Last UpdatedMay 2, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
6.39%
64-72 months
View
▼
APR6.39%
Term64-72 months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

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

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.75%
72 months
View
▼
APR6.75%
Term72 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

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

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Older Used Auto
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 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

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

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)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
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

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 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 UpdatedMay 7, 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

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

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

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 2, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 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

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

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 UpdatedMay 7, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

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

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

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 UpdatedMay 7, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

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

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.00%
36 months
View
▼
APR6.00%
Term36 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.25%
48 months
View
▼
APR6.25%
Term48 months
Last UpdatedMay 2, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
6.39%
64-72 months
View
▼
APR6.39%
Term64-72 months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.75%
72 months
View
▼
APR6.75%
Term72 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

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Older Used Auto
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Bridgeton, MO Auto Loan Rate Trends

Compare local Bridgeton, MO 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 Missouri Auto Trends →
New Auto Loan — MO Avg
5.859%
▲ 0.396 vs 7 days ago

Missouri new auto rates rose 0.396 points over the past 7 days to 5.859% APR.

Used Auto Loan — MO Avg
6.214%
▲ 0.269 vs 7 days ago

Missouri used auto rates rose 0.269 points over the past 7 days to 6.214% APR.

As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Bridgeton, Missouri

How does my credit score affect my car loan rate in Missouri?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Bridgeton, Missouri 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 Missouri *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 Bridgeton, Missouri 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 Bridgeton, Missouri?

Based on our current data, some of the lowest auto loan rates available in Bridgeton, Missouri include:
  • Vantage Credit Union: 7.99% (Auto Loan)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • Mercy Credit Union: 3.74% (NEW VEHICLES)
  • Americas Credit Union: 3.89% (Auto Loans)
  • County Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Bridgeton, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026

Bridgeton, Missouri Rates & Resources

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