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

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Joplin, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 2, 2026

Current auto loan rates in Joplin, Missouri include Mercy Credit UnionMercy Credit Union100 Mercy Way, Joplin, MO, 64804A+5.0 ★Texas Ratio: 1.69% offering NEW VEHICLES at 3.74%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.51% offering Auto Loans at 3.89%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 3.78% offering Auto Loan at 3.99%. Auto loan rates as of May 2, 2026 according to verified data from MonitorBankRates.

Joplin has 1 local institution in our database, with auto loan rates as low as 3.74% APR from Mercy Credit Union at 100 Mercy Way, Joplin, MO, 64804. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Joplin, Missouri. Auto Loan Rates Last Updated and Verified: May 2, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
100 Mercy Way, Joplin, MO, 64804
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
100 Mercy Way, Joplin, MO, 64804
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

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

As Low As; APR - 2026 & Newer

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

As Low As; Fixed-Rate up to 36 months

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

As Low As

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

Model Year: 2024-2026 (New or Used)

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

As Low As; APR - 2026 & Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details

As Low As

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

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

As Low As; APR1: As low as 4.49%

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

As Low As; APR - 2023 - 2025*

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

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

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details

As Low As

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

As Low As; APR1: As low as 4.89%

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

As Low As

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

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

Model Year: 2024-2026 (New or Used)

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

As Low As; APR1: As low as 4.99%

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

As Low As; 100% Financing with qualified credit

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

As Low As; APR - 2023 - 2025*

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

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

As Low As; APR1: As low as 5.24%

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

As Low As

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

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks
5.29%
0-12 months
View
▼
APR5.29%
Term0-12 months
Last UpdatedApr 27, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 6 Year Repay
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 6 Year Repay
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2018 to 2024

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

Model Year: 2024-2026 (New or Used)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

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

As Low As; 100% Financing with qualified credit

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

Credit Score of 700+

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

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

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

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

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

As Low As

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

As Low As

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

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

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

As Low As; APR1: As low as 5.74%

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

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

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

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

Model Year: 2024-2026 (New or Used)

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

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

Model Year: 2022-2023

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

As Low As; 100% Financing with qualified credit

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

As Low As; 100% Financing with qualified credit

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

Credit Score of 670-699

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

As Low As; APR - 2023 - 2025*

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

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 5 Year Repay
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 5 Year Repay
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2014 to 2017

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

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

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
up to 60 Mos.
View
▼
APR6.24%
Termup to 60 Mos.
Last UpdatedApr 27, 2026
Details

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

As Low As; 100% Financing with qualified credit

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

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

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

Model Year: 2022-2023

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
6.50%
73-84 months
View
▼
APR6.50%
Term73-84 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
6.50%
73-84
View
▼
APR6.50%
Term73-84
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

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

As Low As

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

As Low As

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

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

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

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

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

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

As Low As; Up to 100% NADA Retail

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

Model Year: 2022-2023

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

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

As Low As; 100% Financing with qualified credit

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 months
Last UpdatedMay 2, 2026
Details

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

Model Year: 2016-2021

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

As Low As; 100% Financing with qualified credit

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

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

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

As Low As; Up to 100% NADA Retail

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

Model Year: 2024-2026 (New or Used)

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
7.99%
12-48
View
▼
APR7.99%
Term12-48
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 72 mo.

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

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

Model Year: 2016-2021

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

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

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
8.99%
Up to 60
View
▼
APR8.99%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
9.24%
12-36
View
▼
APR9.24%
Term12-36
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

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

Model Year: 2022-2023

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
9.49%
Up to 48
View
▼
APR9.49%
TermUp to 48
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
9.74%
Up to 60
View
▼
APR9.74%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Auto Loan
9.99%
Up to 72
View
▼
APR9.99%
TermUp to 72
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 4 Year Repay
10.00%
4 YEAR REPAY
View
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 4 Year Repay
10.00%
4 YEAR REPAY
View
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2013 & Below

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
100 Mercy Way, Joplin, MO, 64804
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedApr 17, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedApr 17, 2026
Details

As Low As

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

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

As Low As; APR1: As low as 4.49%

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

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

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedApr 17, 2026
Details

As Low As

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

As Low As; APR1: As low as 4.89%

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

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedApr 8, 2026
Details

As Low As

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

As Low As; APR1: As low as 4.99%

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

As Low As; 100% Financing with qualified credit

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

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

As Low As; APR1: As low as 5.24%

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

As Low As

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

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
View
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

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

As Low As; 100% Financing with qualified credit

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedApr 8, 2026
Details

As Low As

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

As Low As

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

As Low As

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

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

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

As Low As; APR1: As low as 5.74%

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

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

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

As Low As; 100% Financing with qualified credit

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
6.50%
73-84 months
View
▼
APR6.50%
Term73-84 months
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

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

As Low As

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

As Low As

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

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedApr 25, 2026
Details

Interest rates as low as

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedApr 17, 2026
Details

As Low As

KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
72 Months
View
▼
APR8.00%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As; Up to 72 mo.

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
100 Mercy Way, Joplin, MO, 64804
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 3 Year Repay
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 4 Year Repay
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

As Low As; APR1: As low as 4.49%

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As; min. $500

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 5 Year Repay
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

As Low As; APR1: As low as 4.89%

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

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
View
▼
APR4.99%
Term48-60
Last UpdatedApr 8, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

As Low As; APR1: As low as 4.99%

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

As Low As; 100% Financing with qualified credit

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

As Low As; APR1: As low as 5.24%

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 6 Year Repay
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 6 Year Repay
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 6 Year Repay
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2018 to 2024

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

As Low As; 100% Financing with qualified credit

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

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
View
▼
APR5.50%
Term61-72
Last UpdatedApr 8, 2026
Details

As Low As

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

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

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

As Low As; APR1: As low as 5.74%

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

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

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles - 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 7 Year Repay
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2025 to 2026

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

As Low As; 100% Financing with qualified credit

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

As Low As; 100% Financing with qualified credit

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

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 5 Year Repay
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 5 Year Repay
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2014 to 2017

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

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

As Low As

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

As Low As; 100% Financing with qualified credit

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

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

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

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

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

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
6.50%
73-84
View
▼
APR6.50%
Term73-84
Last UpdatedApr 8, 2026
Details

As Low As; min. $25,000

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

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

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

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

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

As Low As; Up to 100% NADA Retail

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

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
View
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 25, 2026
Details

As Low As

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

As Low As; 100% Financing with qualified credit

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

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 months
Last UpdatedMay 2, 2026
Details

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

As Low As; 100% Financing with qualified credit

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

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

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

As Low As; Up to 100% NADA Retail

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

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

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles - 4 Year Repay
10.00%
4 YEAR REPAY
View
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 4 Year Repay
10.00%
4 YEAR REPAY
View
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedApr 26, 2026
Details

As Low As; 2013 & Below

Joplin, MO Auto Loan Rate Trends

Compare local Joplin, MO auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Missouri Auto Trends →
New Auto Loan — MO Avg
5.859%
▲ 0.396 vs 7 days ago

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

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

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

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

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

Based on our current data, some of the lowest auto loan rates available in Joplin, Missouri include:
  • Mercy Credit Union: 3.74% (NEW VEHICLES)
  • Baxter Credit Union: 3.24% (Auto Loans)
  • Americas Credit Union: 3.89% (Auto Loans)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • County Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Joplin, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 2, 2026

Joplin, Missouri Rates & Resources

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