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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Farmington, 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 18, 2026

Current auto loan rates in Farmington, Missouri include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% offering Auto Loans at 3.24%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026 at 3.74%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.45% offering Auto Loans at 3.89%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.73% offering New Auto at 3.99%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.60% offering Auto Loan at 3.99%. Auto loan rates as of May 18, 2026 according to verified data from MonitorBankRates.

Farmington borrowers have access to 34 lenders serving the Missouri area, with auto loan rates as low as 3.24% APR from Baxter Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Farmington, Missouri. Auto Loan Rates Last Updated and Verified: May 18, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 18, 2026
Details

As Low As

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
View
▼
APR3.89%
Term36 months
Last UpdatedMay 12, 2026
Details

As Low As; Fixed-Rate

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2026 & Newer

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 17, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
3.99%
66 Months
View
▼
APR3.99%
Term66 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2024-2026 (New or Used)

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; 48 months max term

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
96 Months
View
▼
APR4.25%
Term96 Months
Last UpdatedMay 12, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 17, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.49%
30 months
View
▼
APR4.49%
Term30 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 18, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedMay 18, 2026
Details

As Low As; rates are based on applicant's credit bureau score and various discounts

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
View
▼
APR4.59%
Term3-7 year
Last UpdatedMay 17, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 36 mo
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 18, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 18, 2026
Details

As Low As; rates are based on applicant's credit bureau score and various discounts

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 17, 2026
Details

As Low As

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2019-2026

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedMay 18, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedMay 18, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
Auto Loan
4.99%
12 Months
View
▼
APR4.99%
Term12 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2022 - New; 12 - 48 ($5,000 min.)

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMay 18, 2026
Details

As Low As; 100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2008 or Newer

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedMay 18, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2024-2026 (New or Used)

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 48 mo
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 36 mo
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 17, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedMay 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2008 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 84 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 60 mo
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 48 mo
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 18, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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: 6.77%
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: 6.77%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48
View
▼
APR5.35%
Term1 - 48
Last UpdatedMay 18, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedMay 18, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.40%
42 Months
View
▼
APR5.40%
Term42 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2024-2026 (New or Used)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
Auto Loan
5.49%
12 Months
View
▼
APR5.49%
Term12 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2017 - 2021; 12 - 48 ($5,000 min.)

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 18, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedMay 18, 2026
Details

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details

Credit Score of 700+

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details

Loan > $20k

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2013 or Newer

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 84 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 72 mo
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 60 mo
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
View
▼
APR5.50%
TermVaries
Last UpdatedMay 18, 2026
Details

As Low As

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models
5.50%
36 Months
View
▼
APR5.50%
Term36 Months
Last UpdatedMay 18, 2026
Details

As Low As; rates are based on applicant's credit bureau score and various discounts

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2026/25/24/23/22 models and over)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 18, 2026
Details

$45,000; As Low As; rates are based on applicant's credit bureau score and various discounts

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 72
View
▼
APR5.60%
Term49 - 72
Last UpdatedMay 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2015 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 18, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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: 3.60%
Auto Loan
5.95%
52 Months
View
▼
APR5.95%
Term52 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2024-2026 (New or Used)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 12, 2026
Details

As Low As; APR - 2023 - 2025*

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedMay 18, 2026
Details

As Low As

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Auto Loan
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMay 18, 2026
Details

Credit Score of 670-699

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedMay 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.99%
78 Months
View
▼
APR5.99%
Term78 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2022-2023

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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: 6.77%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
View
▼
APR6.00%
TermVaries
Last UpdatedMay 18, 2026
Details

As Low As

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models
6.00%
60 Months
View
▼
APR6.00%
Term60 Months
Last UpdatedMay 18, 2026
Details

As Low As; rates are based on applicant's credit bureau score and various discounts

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
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: 7.42%
Used Auto (2018-2024)
6.09%
Up to 63
View
▼
APR6.09%
TermUp to 63
Last UpdatedMay 18, 2026
Details

As Low As; months

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 17, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
6.24%
75 Months
View
▼
APR6.24%
Term75 Months
Last UpdatedMay 18, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.24%
48 months
View
▼
APR6.24%
Term48 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMay 18, 2026
Details

As Low As

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedMay 18, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedMay 18, 2026
Details

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

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
6.25%
42 Months
View
▼
APR6.25%
Term42 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2022-2023

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024)
6.39%
64-72
View
▼
APR6.39%
Term64-72
Last UpdatedMay 18, 2026
Details

As Low As; months

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 18, 2026
Details

Loan > $35k

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 18, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2025-2026
6.50%
120 Months
View
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms; (President must approve)

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2021/20/19/18 models (Can go up to 72 mos if amount is or more
6.50%
72 Months
View
▼
APR6.50%
Term72 Months
Last UpdatedMay 18, 2026
Details

$20,000; As Low As; rates are based on applicant's credit bureau score and various discounts

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedMay 18, 2026
Details

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84
View
▼
APR6.60%
Term73 - 84
Last UpdatedMay 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older)
6.75%
60 Months
View
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2014 & older
6.75%
36 Months
View
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
6.75%
60 Months
View
▼
APR6.75%
Term60 Months
Last UpdatedMay 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
6.75%
52 Months
View
▼
APR6.75%
Term52 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2022-2023

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 17, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 18, 2026
Details

As Low As

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older & Above
6.99%
62 months
View
▼
APR6.99%
Term62 months
Last UpdatedMay 18, 2026
Details

$12,501

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older - Loan
6.99%
26 months
View
▼
APR6.99%
Term26 months
Last UpdatedMay 18, 2026
Details

$0 - $5,000

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
View
▼
APR7.00%
Termup to 74 months
Last UpdatedMay 18, 2026
Details

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2017-2014 models
7.00%
36 Months
View
▼
APR7.00%
Term36 Months
Last UpdatedMay 18, 2026
Details

up to $15,000; As Low As; rates are based on applicant's credit bureau score and various discounts

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 18, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024)
7.19%
73-84
View
▼
APR7.19%
Term73-84
Last UpdatedMay 18, 2026
Details

As Low As; months

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2022 or Newer (/ln > $35k)

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
7.25%
72 Months
View
▼
APR7.25%
Term72 Months
Last UpdatedMay 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
7.25%
52 Months
View
▼
APR7.25%
Term52 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2016-2021

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Older Vehicles (2004-2018) 85% LTV
7.28%
48 Months
View
▼
APR7.28%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Retail value greater than $3,000

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 17, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedMay 18, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Classic Car Loan
7.49%
60 Months
View
▼
APR7.49%
Term60 Months
Last UpdatedMay 18, 2026
Details

As Low As; Used Vehicle APR (as Low as)

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
View
▼
APR7.50%
Term62 months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
View
▼
APR7.50%
Term68 months
Last UpdatedMay 18, 2026
Details

Over $30,000

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2013 and earlier models
7.50%
24 Months
View
▼
APR7.50%
Term24 Months
Last UpdatedMay 18, 2026
Details

up to $8,000; As Low As; rates are based on applicant's credit bureau score and various discounts

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2017-2014 models
7.50%
48 Months
View
▼
APR7.50%
Term48 Months
Last UpdatedMay 18, 2026
Details

up to $15,000; As Low As; rates are based on applicant's credit bureau score and various discounts

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedMay 18, 2026
Details

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

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
Auto Loan
7.74%
12 Months
View
▼
APR7.74%
Term12 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2012 - 2016; 12 - 48 ($5,000 min.)

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
7.74%
84 months
View
▼
APR7.74%
Term84 months
Last UpdatedMay 18, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Auto Loans
7.75%
84 Months
View
▼
APR7.75%
Term84 Months
Last UpdatedMay 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2024-2026 (New or Used)

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
Auto Loan
7.99%
12-48
View
▼
APR7.99%
Term12-48
Last UpdatedMay 12, 2026
Details

As Low As; 2022 - New

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Classic Car Loan
7.99%
72 Months
View
▼
APR7.99%
Term72 Months
Last UpdatedMay 18, 2026
Details

As Low As; Used Vehicle APR (as Low as)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022
8.00%
50 months
View
▼
APR8.00%
Term50 months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022 - Loan
8.00%
56 months
View
▼
APR8.00%
Term56 months
Last UpdatedMay 18, 2026
Details

Over $10,000

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2013 and earlier models and over)
8.00%
48 Months
View
▼
APR8.00%
Term48 Months
Last UpdatedMay 18, 2026
Details

$8,000; As Low As; rates are based on applicant's credit bureau score and various discounts

Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
Vehicle Loans: 2017-2014 models and over)
8.00%
60 Months
View
▼
APR8.00%
Term60 Months
Last UpdatedMay 18, 2026
Details

$15,000; As Low As; rates are based on applicant's credit bureau score and various discounts

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
8.00%
66 Months
View
▼
APR8.00%
Term66 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2016-2021

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020
8.25%
44 months
View
▼
APR8.25%
Term44 months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020 - Loan
8.50%
50 months
View
▼
APR8.50%
Term50 months
Last UpdatedMay 18, 2026
Details

Over $10,000

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 18, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 17, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As; 48 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 17, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.49%
30 months
View
▼
APR4.49%
Term30 months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 18, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year
View
▼
APR4.59%
Term3-7 year
Last UpdatedMay 17, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 36 mo
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMay 10, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 17, 2026
Details

As Low As

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2019-2026

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedMay 18, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedMay 18, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMay 18, 2026
Details

As Low As; 100% Financing with qualified credit

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 18, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedMay 18, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 48 mo
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMay 10, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 17, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedMay 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 84 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 60 mo
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMay 10, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedMay 18, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 18, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMay 18, 2026
Details

Loan > $20k

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 84 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
New Auto Loan 72 mo
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedMay 10, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
View
▼
APR5.50%
TermVaries
Last UpdatedMay 18, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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: 1.25%
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: 17.23%
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 18, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMay 18, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMay 18, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMay 18, 2026
Details

Loan > $35k

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2025-2026
6.50%
120 Months
View
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms; (President must approve)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; New auto loan (current and last model year, never been titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2014 & older
6.75%
36 Months
View
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
View
▼
APR7.00%
Termup to 74 months
Last UpdatedMay 18, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 17, 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: 6.77%
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: 6.77%
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

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMay 12, 2026
Details

As Low As; 2019-2026

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 17, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMay 18, 2026
Details

As Low As; 100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
4.99%
48 months
View
▼
APR4.99%
Term48 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2008 or Newer

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 36 mo
5.00%
36 Months
View
▼
APR5.00%
Term36 Months
Last UpdatedMay 10, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 Months
View
▼
APR5.24%
Term36 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2008 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 48 mo
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMay 10, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 17, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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: 6.77%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48
View
▼
APR5.35%
Term1 - 48
Last UpdatedMay 18, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedMay 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2013 or Newer

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; 84 months max term

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 21.72%
Used Auto Loan 60 mo
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 72
View
▼
APR5.60%
Term49 - 72
Last UpdatedMay 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 17, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2015 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedMay 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedMay 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
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: 6.77%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As; 72 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
View
▼
APR6.00%
TermVaries
Last UpdatedMay 18, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024)
6.09%
Up to 63
View
▼
APR6.09%
TermUp to 63
Last UpdatedMay 18, 2026
Details

As Low As; months

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
6.24%
75 Months
View
▼
APR6.24%
Term75 Months
Last UpdatedMay 18, 2026
Details

As Low As

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.24%
48 months
View
▼
APR6.24%
Term48 months
Last UpdatedMay 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedMay 18, 2026
Details

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 17, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024)
6.39%
64-72
View
▼
APR6.39%
Term64-72
Last UpdatedMay 18, 2026
Details

As Low As; months

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.49%
84 months
View
▼
APR6.49%
Term84 months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 18, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2025-2026
6.50%
120 Months
View
▼
APR6.50%
Term120 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms; (President must approve)

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedMay 18, 2026
Details

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84
View
▼
APR6.60%
Term73 - 84
Last UpdatedMay 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older)
6.75%
60 Months
View
▼
APR6.75%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As; 60 months max term

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto 2014 & older
6.75%
36 Months
View
▼
APR6.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

call for additional loan terms

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 17, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
6.99%
84 Months
View
▼
APR6.99%
Term84 Months
Last UpdatedMay 18, 2026
Details

As Low As

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
6.99%
72 months
View
▼
APR6.99%
Term72 months
Last UpdatedMay 18, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 18, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024)
7.19%
73-84
View
▼
APR7.19%
Term73-84
Last UpdatedMay 18, 2026
Details

As Low As; months

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 18, 2026
Details

Model Year: 2022 or Newer (/ln > $35k)

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle
7.49%
48 Months
View
▼
APR7.49%
Term48 Months
Last UpdatedMay 18, 2026
Details

As Low As

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
View
▼
APR7.50%
Term62 months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
View
▼
APR7.50%
Term68 months
Last UpdatedMay 18, 2026
Details

Over $30,000

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedMay 18, 2026
Details

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

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Car
7.74%
84 months
View
▼
APR7.74%
Term84 months
Last UpdatedMay 18, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedMay 12, 2026
Details

As Low As; Up to 100% NADA Retail

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 17.23%
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedMay 10, 2026
Details

As Low As; Previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022
8.00%
50 months
View
▼
APR8.00%
Term50 months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022 - Loan
8.00%
56 months
View
▼
APR8.00%
Term56 months
Last UpdatedMay 18, 2026
Details

Over $10,000

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020
8.25%
44 months
View
▼
APR8.25%
Term44 months
Last UpdatedMay 18, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 18, 2026
Details

Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020 - Loan
8.50%
50 months
View
▼
APR8.50%
Term50 months
Last UpdatedMay 18, 2026
Details

Over $10,000

Farmington, MO Auto Loan Rate Trends

Compare local Farmington, 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
5.326%
▲ 0.005 vs 7 days ago

Missouri new auto rates rose 0.005 points over the past 7 days to 5.326% APR.

Used Auto Loan — MO Avg
6.742%
▲ 0.087 vs 7 days ago

Missouri used auto rates rose 0.087 points over the past 7 days to 6.742% APR.

As of May 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Farmington, Missouri auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Farmington, Missouri directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Farmington, Missouri. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MO.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Farmington, 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 Farmington, 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 Farmington, 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 Farmington, Missouri?

Based on our current data, some of the lowest auto loan rates available in Farmington, Missouri include:
  • Baxter Credit Union: 3.24% (Auto Loans)
  • Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
  • Americas Credit Union: 3.89% (Auto Loans)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • County Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Farmington, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 18, 2026

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