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Auto Loan Rates in Independence, Missouri (MO) for March 2026

Content reviewed by
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 Independence, 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: March 22, 2026

Current auto loan rates in Independence, Missouri include City Credit UnionCity Credit Union2550 S State Route 291, Independence, MO, 64057 1226A5.0 ★Texas Ratio: 8.36% offering New & Used Autos at 4.84%, Missouri Central Credit UnionMissouri Central Credit Union17811 E US Highway 40, Independence, MO, 64055 5406A+5.0 ★Texas Ratio: 4.27% offering 2025 - 2027 New Vehicle Loan at 5.25%, Interfaith Federal Credit UnionInterfaith Federal Credit Union14506 E 39th St S, Independence, MO, 64055A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4545 S Noland Rd, Independence, MO, 64055B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%, Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%.

Auto loan rates in Independence, Missouri are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.

We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Independence, Missouri. Auto Loan Rates Last Updated and Verified: March 22, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As; 2019-2026

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
5.35%
1 - 48
View
▼
APR5.35%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
5.60%
49 - 72
View
▼
APR5.60%
Term49 - 72
Last UpdatedMar 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
6.60%
73 - 84
View
▼
APR6.60%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
7.25%
1 - 48
View
▼
APR7.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
Older Vehicles (2004-2018) 85% LTV
7.28%
48 Months
View
▼
APR7.28%
Term48 Months
Last UpdatedMar 18, 2026
Details

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

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
7.50%
49 - 60
View
▼
APR7.50%
Term49 - 60
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedMar 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMar 22, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
13.89%
1 - 48
View
▼
APR13.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
13.99%
1 - 48
View
▼
APR13.99%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
14.89%
1 - 48
View
▼
APR14.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
14.89%
49 - 72
View
▼
APR14.89%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
14.98%
73 - 84
View
▼
APR14.98%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
14.99%
49 - 72
View
▼
APR14.99%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
15.08%
73 - 84
View
▼
APR15.08%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
15.89%
1 - 48
View
▼
APR15.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
15.89%
49 - 72
View
▼
APR15.89%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
15.98%
73 - 84
View
▼
APR15.98%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
16.89%
49 - 60
View
▼
APR16.89%
Term49 - 60
Last UpdatedMar 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details

*APR is the Annual Percentage Rate.

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
3.99%
66 Months
View
▼
APR3.99%
Term66 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2024-2026 (New or Used)

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2026 & Newer

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedMar 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; 3 YEAR REPAY

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2023 - 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4 YEAR REPAY

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Any Model Year Vehicle Loan
4.25%
24 Months
View
▼
APR4.25%
Term24 Months
Last UpdatedMar 18, 2026
Details

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMar 20, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details

As Low As; 48 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details

As Low As

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.30%
36 Month
View
▼
APR4.30%
Term36 Month
Last UpdatedMar 18, 2026
Details

As Low As

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
30 months
View
▼
APR4.49%
Term30 months
Last UpdatedMar 18, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedMar 22, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.55%
48 Month
View
▼
APR4.55%
Term48 Month
Last UpdatedMar 18, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMar 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMar 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedMar 18, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 48 mos
4.74%
48 Months
View
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 4.49%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.24%

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.74%
36 months
View
▼
APR4.74%
Term36 months
Last UpdatedMar 22, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5 YEAR REPAY

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 36 Month 2025
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details

loan balance $20,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As; min. $500

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details

As Low As

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.80%
60 Month
View
▼
APR4.80%
Term60 Month
Last UpdatedMar 18, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; terms up to 84 months

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedMar 22, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedMar 16, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2024-2026 (New or Used)

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2023 - 2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As; 100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedMar 22, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 48 Month 2025
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
5.05%
72 Month
View
▼
APR5.05%
Term72 Month
Last UpdatedMar 18, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedMar 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.15%
36 Months
View
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 63 mos
5.24%
63 Months
View
▼
APR5.24%
Term63 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 4.99%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.74%

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedMar 22, 2026
Details

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.25%
66 Months
View
▼
APR5.25%
Term66 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2023 - 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6 YEAR REPAY

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 60 Month 2025
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
View
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 22, 2026
Details

As Low As; 84 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedMar 21, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.30%
66 Months
View
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6 YEAR REPAY

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedMar 16, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.40%
42 Months
View
▼
APR5.40%
Term42 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2024-2026 (New or Used)

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

/ln > $20k

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedMar 18, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 48 mos
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 5.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.99%

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 63 mos
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 5.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.99%

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
5.49%
12 Months
View
▼
APR5.49%
Term12 Months
Last UpdatedMar 22, 2026
Details

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

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
View
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 22, 2026
Details

As Low As; 84 months max term

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.59%
72 Months
View
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 18, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 72 mos
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 5.49%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.24%

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedMar 22, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 100% NADA Retail

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.75%
72 Months
View
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2023 - 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7 YEAR REPAY

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
View
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 21, 2026
Details

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Recreation Vehicle loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 21, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.95%
52 Months
View
▼
APR5.95%
Term52 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2024-2026 (New or Used)

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.99%
78 Months
View
▼
APR5.99%
Term78 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2022-2023

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.99%
60 Months
View
▼
APR5.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2017 - 2022

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details

As Low As; APR - 2023 - 2025*

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
76 Months
View
▼
APR5.99%
Term76 Months
Last UpdatedMar 20, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 72 mos
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 5.74%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.49%

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
6.00%
36 Months
View
▼
APR6.00%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2016 & older

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5 YEAR REPAY

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.09%
Up to 63
View
▼
APR6.09%
TermUp to 63
Last UpdatedMar 15, 2026
Details

As Low As; months

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 18, 2026
Details

/ln > $20k

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMar 18, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
6.25%
42 Months
View
▼
APR6.25%
Term42 Months
Last UpdatedMar 16, 2026
Details

Model Year: 2022-2023

Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
6.25%
48 Months
View
▼
APR6.25%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As; Model Year: 2016 & older

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
6.25%
72 Months
View
▼
APR6.25%
Term72 Months
Last UpdatedMar 21, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.39%
64-72
View
▼
APR6.39%
Term64-72
Last UpdatedMar 15, 2026
Details

As Low As; months

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

/ln > $45k

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto > 7 Years
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New Auto Loan
6.49%
63 Months
View
▼
APR6.49%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As; 100% financing with qualified credit

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details

Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 84 mos**
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 20, 2026
Details

APR w/ Auto Payments^: 6.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.99%

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As; 2019-2026

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedMar 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
13.89%
1 - 48
View
▼
APR13.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
14.89%
49 - 72
View
▼
APR14.89%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2025 - 2027 New Vehicle Loan
14.98%
73 - 84
View
▼
APR14.98%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles 2025-2026
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details

*APR is the Annual Percentage Rate.

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedMar 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; 3 YEAR REPAY

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4 YEAR REPAY

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details

As Low As; 48 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
30 months
View
▼
APR4.49%
Term30 months
Last UpdatedMar 18, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedMar 18, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedMar 18, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5 YEAR REPAY

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 36 Month 2025
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details

loan balance $20,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As; min. $500

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.89%
1-36
View
▼
APR4.89%
Term1-36
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; terms up to 84 months

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.99%
37-48
View
▼
APR4.99%
Term37-48
Last UpdatedMar 16, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As; 100% Financing with qualified credit

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 48 Month 2025
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedMar 18, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.09%
49-60
View
▼
APR5.09%
Term49-60
Last UpdatedMar 16, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6 YEAR REPAY

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.25%
48 Months
View
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 60 Month 2025
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
View
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.25%
84 Months
View
▼
APR5.25%
Term84 Months
Last UpdatedMar 22, 2026
Details

As Low As; 84 months max term

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedMar 21, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.30%
66 Months
View
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.39%
61-72
View
▼
APR5.39%
Term61-72
Last UpdatedMar 16, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

/ln > $20k

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedMar 18, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
View
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 22, 2026
Details

As Low As; 84 months max term

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7 YEAR REPAY

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
View
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
76 Months
View
▼
APR5.99%
Term76 Months
Last UpdatedMar 20, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMar 21, 2026
Details

As Low As; Loyalty Rate

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMar 16, 2026
Details

As Low As

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
6.24%
84 months
View
▼
APR6.24%
Term84 months
Last UpdatedMar 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

/ln > $45k

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New Auto Loan
6.49%
63 Months
View
▼
APR6.49%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As; 100% financing with qualified credit

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
View
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As; 2019-2026

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
5.35%
1 - 48
View
▼
APR5.35%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
5.60%
49 - 72
View
▼
APR5.60%
Term49 - 72
Last UpdatedMar 21, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
6.60%
73 - 84
View
▼
APR6.60%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
7.25%
1 - 48
View
▼
APR7.25%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
7.50%
49 - 60
View
▼
APR7.50%
Term49 - 60
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
13.99%
1 - 48
View
▼
APR13.99%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
14.89%
1 - 48
View
▼
APR14.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
14.99%
49 - 72
View
▼
APR14.99%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2023 - 2026 Used Vehicle Loan
15.08%
73 - 84
View
▼
APR15.08%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
15.89%
1 - 48
View
▼
APR15.89%
Term1 - 48
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
15.89%
49 - 72
View
▼
APR15.89%
Term49 - 72
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2020 - 2022 Used Vehicle Loan
15.98%
73 - 84
View
▼
APR15.98%
Term73 - 84
Last UpdatedMar 21, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
17811 E US Highway 40, Independence, MO, 64055 5406
2017 - 2019 Used Vehicle Loan
16.89%
49 - 60
View
▼
APR16.89%
Term49 - 60
Last UpdatedMar 21, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details

As Low As; 3 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details

As Low As; 4 YEAR REPAY

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
View
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
View
▼
APR4.74%
Term24 Months
Last UpdatedMar 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5 YEAR REPAY

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
View
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details

loan balance $20,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details

As Low As

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
View
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details

As Low As; terms up to 84 months

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
View
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As; 100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
View
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.15%
36 Months
View
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6 YEAR REPAY

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
View
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMar 16, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.29%
36 Months
View
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
View
▼
APR5.29%
Term0-12
Last UpdatedMar 21, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMar 17, 2026
Details

As Low As; 6 YEAR REPAY

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.39%
48 Months
View
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.44%
60 Months
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.49%
48 Months
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details

As Low As

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details

call for additional loan terms

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
View
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedMar 22, 2026
Details

As Low As; 84 months max term

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.59%
72 Months
View
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details

As Low As

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 18, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 16, 2026
Details

As Low As; Up to 100% NADA Retail

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details

As Low As; 7 YEAR REPAY

Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
View
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details

loan balance $75,000 or more

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedMar 22, 2026
Details

As Low As; 60 months max term

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
76 Months
View
▼
APR5.99%
Term76 Months
Last UpdatedMar 20, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
5.99%
63 Months
View
▼
APR5.99%
Term63 Months
Last UpdatedMar 20, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMar 22, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedMar 16, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMar 17, 2026
Details

As Low As; 5 YEAR REPAY

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMar 22, 2026
Details

As Low As; 72 months max term

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.09%
Up to 63
View
▼
APR6.09%
TermUp to 63
Last UpdatedMar 15, 2026
Details

As Low As; months

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 18, 2026
Details

/ln > $20k

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
6.24%
72 Months
View
▼
APR6.24%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMar 16, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.39%
64-72
View
▼
APR6.39%
Term64-72
Last UpdatedMar 15, 2026
Details

As Low As; months

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto > 7 Years
6.49%
36 Months
View
▼
APR6.49%
Term36 Months
Last UpdatedMar 20, 2026
Details

As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
6.49%
Up to 84 Months
View
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details

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

Based on our current data, some of the lowest auto loan rates available in Independence, Missouri include:
  • City Credit Union: 4.84% (New & Used Autos)
  • Missouri Central Credit Union: 5.25% (2025 - 2027 New Vehicle Loan)
  • Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
  • UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
  • Baxter Credit Union: 3.24% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Independence, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 22, 2026

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