Labadie, Missouri Best Auto Loan Rates for October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Labadie, Missouri auto loan rates from lenders serving Missouri range from 3.49% to 5.75% APR, verified by MonitorBankRates as of October 31, 2026. Current auto loan rates in Labadie, Missouri include Multi-States Credit UnionMulti-States Credit UnionA+5.0 ★Texas Ratio: 2.17%Rate verified Oct 29, 2026 offering New Vehicles Loan at 3.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31%Rate verified Oct 30, 2026 offering Auto Loan at 3.84%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 9.32%Rate verified Oct 28, 2026 offering New Auto Loan at 3.99%, Central Missouri Community Credit UnionCentral Missouri Community Credit UnionA+5.0 ★Texas Ratio: 4.01%Rate verified Oct 29, 2026 offering New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan at 4.10%, PennTech Employees Federal Credit UnionPennTech Employees Federal Credit UnionA5.0 ★Texas Ratio: 9.14%Rate verified Oct 29, 2026 offering New or Used Vehicles Loan at 4.15%. Auto loan rates as of October 31, 2026 according to verified data from MonitorBankRates.
Labadie borrowers have access to 48 lenders serving the Missouri area, with auto loan rates as low as 3.49% APR from Multi-States Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Labadie, Missouri. Auto Loan Rates Last Updated and Verified: October 31, 2026
Compare Auto Loan Rates Today in Labadie, Missouri & Surrounding Area
Labadie Auto Loan Rates
As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; Rates as of 9/21/2026
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
As Low As; Model Year: 2024 and Older
- Oct 26, 20264.24%▼ from 4.49%
- Sep 18, 20264.49%first recorded
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; APR shown as low as 4.25%
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; APR for illustration with term not exceeding 36 months
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026; Auto terms 86-108 months minimum loan $20,000
As Low As; APR* as low as; Annual Percentage Rate
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; 60-Months, as low as 4.40% APR
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
As Low As; Model years 2024 to 2027
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
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.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; APR* as low as; Annual Percentage Rate
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; Rates as of 9/21/2026
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Auto loan, New/Used
- Oct 19, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
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.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Model Years: 2027-2025; Minimum Loan Amount: $5,000
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
Credit Score: 725 & Above; Rates shown for 2022 & newer models; Add 1.00% for 2021 & older models; Posted rate reflects 0.25% reduction for Direct Deposit
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Model Year: 2017 - 2024; Lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
Published APR range: 4.75% - 9.75%. For loans $30,000+ will lend up to 84 Months; Interest rates based on individual credit scores and subject to change; Call the credit union for more details
As Low As; min. $500 loan amount; Rates shown are available on models seven years or newer
As Low As; Minimum loan $500; Rates shown are available on models seven years or newer
As Low As; Starting at 4.75%; Less than 15,000 miles or never titled; Up to 100% NADA Retail
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; APR* as low as; Annual Percentage Rate
As Low As; Conditions: 2019-2026
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20264.84%▲ from 4.64%
- Sep 22, 20264.64%first recorded
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; new and used cars; refinance available at no cost; rates effective October 1, 2026; rates and terms vary by creditworthiness, age of vehicle, amount and term of loan
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
As Low As; Model Years: 2024-2021; Minimum Loan Amount: $5,000
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
As Low As; Used APR* As Low As column
As Low As
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: n/a
Loan Type: New; Model 2026-2024; APR range 4.99% - 13.24%; up to 115% NADA RETAIL
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Model Years 2018 to 2023
- Oct 26, 20264.99%▲ from 4.74%
- Oct 13, 20264.74%first recorded
Model Year: 2008 or Newer; Used 2024 or older; Max age 16 years
As Low As; Please call for details on terms
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20264.99%▼ from 5.24%
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.00%
- Sep 14, 20267.00%first recorded
Model Year: 2026-2027 (New or Used); Minimum loan: $10,000; Effective Sept. 1, 2026
- Sep 18, 20264.99%▼ from 7.50%
- Sep 14, 20267.50%first recorded
As Low As; Model Years: 2027-2025; Minimum Loan Amount: $15,000
As Low As; Rates shown are available on models seven years or newer
As Low As; Rates shown are available on models seven years or newer
As Low As; Model Year: 2022 - New; $5,000 minimum loan
Model Year: 2023-2021; Some restrictions may apply based on credit scoring
As Low As; Terms up to 96 months
- Sep 17, 20265.00%▼ from 5.50%
- Sep 12, 20265.50%first recorded
As Low As; Effective date: 9/15/2026; Rates stated as APR; actual rates determined by credit worthiness and collateral
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Model Year: 2017 - 2024; Lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
Credit score: 750+; Borrow up to: 100% of purchase price; New: 2025 and newer models with less than 15,000 miles
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As; APR* as low as; Annual Percentage Rate
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; Model years 2024 to 2027
- Oct 26, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; APR range 5.20% - 13.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; APR range 5.20% - 14.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
As Low As; Auto loan, New/Used
As Low As; Auto loan, New/Used
As Low As; Level 1 APR* (730+)
As Low As; Level 1 APR* (730+)
As Low As; Model years 2024 to 2027
- Oct 26, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Years 2018 to 2023
- Oct 26, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Model Year: 2008 or Newer; Used 2024 or older; Max age 16 years
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.24%▼ from 5.49%
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2022 - New; $10,000 minimum loan
Model Year: 2023-2021; Some restrictions may apply based on credit scoring
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
Credit Score: 725 & Above; Rates shown for 2022 & newer models; Add 1.00% for 2021 & older models; Posted rate reflects 0.25% reduction for Direct Deposit
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Model Year: 2017 - 2024; Lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.25%▲ from 4.75%
- Sep 18, 20264.75%first recorded
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.25%▲ from 4.75%
- Sep 18, 20264.75%first recorded
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; APR range 5.30% - 13.99%; Max LTV 140%; Max mileage 150k
As Low As; APR range 5.30% - 14.99%; Max LTV 140%; Max mileage 150k
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Model Year: 2023 - 2024 (call for rates on model years 2022 or older); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Model Year: 2025 & Newer (76-84 month term available for model years 2025 and newer only); Auto Loans
- Oct 14, 20265.34%▲ from 5.14%
- Sep 22, 20265.14%first recorded
As Low As; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
- Oct 12, 20265.35%▲ from 4.85%
- Sep 12, 20264.85%first recorded
As Low As; Model Year: 2018-2024; Loan rates effective 08/20/2025
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
Model Year: 2026-2027 (New or Used); Effective Sept. 1, 2026
As Low As
- Oct 5, 20265.49%▲ from 5.05%
- Sep 17, 20265.05%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
APR includes .25% AutoPay deduction; rates fixed for the term
APR includes .25% AutoPay deduction; rates fixed for the term
APR includes .25% AutoPay deduction; rates fixed for the term
As Low As; Level 1 APR* (730+)
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model years 2024 to 2027
- Oct 26, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Years 2018 to 2023
- Oct 26, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
Loan amount greater than $20k
Model Year: 2013 or Newer; Used 2024 or older; Max age 16 years
As Low As; Please call for details on terms
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.49%▼ from 5.74%
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates apply to new vehicles; $159.00 document preparation fee; 0.25% deduction with direct deposit of at least $250 into an NJFCU checking account
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Model Year: 2017 - 2024; Lowest APR determined at application based on credit score
Model Year: 2026-2025
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
As Low As; Rate as low as* (based on applicant's credit bureau score and discounts)
Credit score: 700 - 749; Borrow up to: 100% of purchase price; New: 2025 and newer models with less than 15,000 miles
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rates shown are available on models seven years or newer
As Low As; Rates shown are available on models seven years or newer
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
- Oct 12, 20265.58%▲ from 5.08%
- Sep 12, 20265.08%first recorded
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; APR range 5.70% - 14.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
- Oct 13, 20265.74%▲ from 5.34%
- Sep 17, 20265.34%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
As Low As; Level 1 APR* (730+)
Model Year: 2015 or Newer; Used 2024 or older; Max age 16 years
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.74%▼ from 5.99%
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2022 - New; $15,000 minimum loan
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
Credit Score: 724-690; Rates shown for 2022 & newer models; Add 1.00% for 2021 & older models; Posted rate reflects 0.25% reduction for Direct Deposit
- Oct 26, 20265.75%▲ from 4.75%
- Sep 18, 20264.75%first recorded
Credit Score: 725 & Above; 84-month term loans only available for loans over $40,000; Rates shown for 2022 & newer models; Add 1.00% for 2021 & older models; Posted rate reflects 0.25% reduction for Direct Deposit
APR* as low as; New or Used; Rates are the same as Auto Rates; Boats, Tractors, Campers, Trailers and More
Labadie New Auto Auto Loan Rates
As Low As; Model Year: 2025-2026; Low As Rate is based on a 3 year term; Terms may be based on credit score, model year and mileage
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; Rates as of 9/21/2026
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; APR for illustration with term not exceeding 36 months
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026; Auto terms 86-108 months minimum loan $20,000
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; 60-Months, as low as 4.40% APR
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
As Low As; Model years 2024 to 2027
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
APR as low as; Lowest APR determined at time of application and dependent on credit score
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20264.50%▲ from 4.00%
- Sep 18, 20264.00%first recorded
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.59%▲ from 4.29%
- Sep 30, 20264.29%first recorded
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Auto loan, New/Used
- Oct 19, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
APR as low as; Lowest APR determined at time of application and dependent on credit score
Model Year: 2026-2025
As Low As; min. $500 loan amount; Rates shown are available on models seven years or newer
As Low As; Starting at 4.75%; Less than 15,000 miles or never titled; Up to 100% NADA Retail
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP, 125% with GAP added
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Conditions: 2019-2026
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles (late model used); Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20264.89%▲ from 4.59%
- Sep 30, 20264.59%first recorded
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
As Low As; Used APR* As Low As column
As Low As
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: n/a
Loan Type: New; Model 2026-2024; APR range 4.99% - 13.24%; up to 115% NADA RETAIL
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
As Low As; Please call for details on terms
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20264.99%▼ from 5.24%
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Rates shown are available on models seven years or newer
As Low As; Model Year: 2022 - New; $5,000 minimum loan
As Low As; Effective date: 9/15/2026; Rates stated as APR; actual rates determined by credit worthiness and collateral
APR as low as; Lowest APR determined at time of application and dependent on credit score
Model Year: 2026-2025
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.00%▲ from 4.50%
- Sep 18, 20264.50%first recorded
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Model years 2024 to 2027
- Oct 26, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; APR range 5.20% - 13.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; APR range 5.20% - 14.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; Auto loan, New/Used
As Low As; Auto loan, New/Used
As Low As; Level 1 APR* (730+)
As Low As; Level 1 APR* (730+)
As Low As; Model years 2024 to 2027
- Oct 26, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.24%▼ from 5.49%
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: 2022 - New; $10,000 minimum loan
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
APR as low as; Lowest APR determined at time of application and dependent on credit score
Model Year: 2026-2025
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.25%▲ from 4.75%
- Sep 18, 20264.75%first recorded
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.25%▲ from 4.75%
- Sep 18, 20264.75%first recorded
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
- Oct 12, 20265.35%▲ from 4.85%
- Sep 12, 20264.85%first recorded
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As
- Oct 5, 20265.49%▲ from 5.05%
- Sep 17, 20265.05%first recorded
Rates effective as of 10/01/2026; APR; lowest available, vary based on credit score; includes .25% discount for automatic payment
APR includes .25% AutoPay deduction; rates fixed for the term
As Low As; Level 1 APR* (730+)
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
As Low As; Model years 2024 to 2027
- Oct 26, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Loan amount greater than $20k
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.49%▼ from 5.74%
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates apply to new vehicles; $159.00 document preparation fee; 0.25% deduction with direct deposit of at least $250 into an NJFCU checking account
APR as low as; Lowest APR determined at time of application and dependent on credit score
Model Year: 2026-2025
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rates shown are available on models seven years or newer
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As Low As; Loyalty/PFI Rate: -.50% if automatic transfer and OFCU is primary financial institution; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
As Low As; Current model year with less than 15,000 miles qualifies for New Vehicle rate; Rates as of 7/23/25
- Oct 12, 20265.58%▲ from 5.08%
- Sep 12, 20265.08%first recorded
As Low As; as of Oct. 30, 2026; Rates displayed do not include the additional BofA Rewards discount up to 0.50%; Results shown are for VA
As Low As; APR range 5.70% - 14.89%; Max LTV 140%; Max mileage 15k or more considered used auto
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
As Low As; Level 1 APR* (730+)
As Low As; Vehicles 2018-2025; Lowest rates subject to maximum 80% loan to value and age of collateral
- Oct 19, 20265.74%▼ from 5.99%
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2022 - New; $15,000 minimum loan
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
Labadie Used Auto Auto Loan Rates
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; Model Year: 2024 and Older
- Oct 26, 20264.24%▼ from 4.49%
- Sep 18, 20264.49%first recorded
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; 60-Months, as low as 4.40% APR
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.
- Oct 9, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
Published APR range: 4.50%-15.50%. Model Year: 2015-2026
As Low As; Rates as of 9/21/2026
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20264.64%▲ from 4.39%
- Sep 14, 20264.39%first recorded
As Low As; Auto loan, New/Used
- Oct 19, 20264.74%▲ from 3.99%
- Sep 14, 20263.99%first recorded
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.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%▲ from 4.24%
- Sep 14, 20264.24%first recorded
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20264.74%▲ from 4.49%
- Sep 18, 20264.49%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; Minimum loan $500; Rates shown are available on models seven years or newer
Published APR range: 4.75%-15.75%. Model Year: 2019-2026
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; Conditions: 2019-2026
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; Final rate is based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
Effective April 28, 2026; Percents are APR
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: n/a
Loan Type: New; Model 2026-2024; APR range 4.99% - 13.24%; up to 115% NADA RETAIL
As Low As; Model Years 2018 to 2023
- Oct 26, 20264.99%▲ from 4.74%
- Oct 13, 20264.74%first recorded
Model Year: 2008 or Newer; Used 2024 or older; Max age 16 years
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Rates shown are available on models seven years or newer
Model Year: 2023-2021; Some restrictions may apply based on credit scoring
Published APR range: 5.00%-16.00%. Model Year: 2022-2026
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.09%▲ from 4.79%
- Sep 30, 20264.79%first recorded
As Low As; APR=Annual Percentage Rate (rate excludes loan fees); Rates effective as of October 1, 2026
- Oct 1, 20265.14%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
As Low As; Auto loan, New/Used
As Low As; Auto loan, New/Used
As Low As; Level 1 APR* (730+)
As Low As; Level 1 APR* (730+)
As Low As; Model Years 2018 to 2023
- Oct 26, 20265.24%▲ from 4.99%
- Oct 13, 20264.99%first recorded
Model Year: 2008 or Newer; Used 2024 or older; Max age 16 years
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
Model Year: 2023-2021; Some restrictions may apply based on credit scoring
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.25%▲ from 4.75%
- Sep 18, 20264.75%first recorded
Model Year: 2027-2024; Some restrictions may apply based on credit scoring
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; No down payment required; Maximum loan-to-value of 110% without GAP; Maximum loan-to-value of 125% with GAP added
As Low As; Vehicle Loans, Boats, Motorcycles, RVs; Effective as of 10/1/2026
As Low As; APR range 5.30% - 13.99%; Max LTV 140%; Max mileage 150k
As Low As; APR range 5.30% - 14.99%; Max LTV 140%; Max mileage 150k
As Low As; Model Year: 2018-2024; Loan rates effective 08/20/2025
APR includes .25% AutoPay deduction; rates fixed for the term
APR includes .25% AutoPay deduction; rates fixed for the term
As Low As; Level 1 APR* (730+)
As Low As; Model Years 2018 to 2023
- Oct 26, 20265.49%▲ from 5.24%
- Oct 13, 20265.24%first recorded
Model Year: 2013 or Newer; Used 2024 or older; Max age 16 years
As Low As; Please call for details on terms
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
- Oct 9, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates are based on Applicant's Credit Bureau score
- Oct 9, 20265.50%▲ from 5.00%
- Sep 18, 20265.00%first recorded
As Low As; Rates shown are available on models seven years or newer
Published APR range: 5.50%-8.00%. Model Year: 2023-2026
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.59%▲ from 5.29%
- Sep 30, 20265.29%first recorded
As Low As; Vehicle Loan Rates; Rates subject to change daily; Alliance will finance up to 100% NADA Retail Value; 10 years and older have different rates, terms, and conditions
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 30, 2026 ET; Advertised APR assumes excellent credit
As Low As; Advertised APR assumes excellent borrower credit; Rates as of Oct 26, 2026 ET
- Oct 20, 20265.69%▲ from 5.39%
- Sep 30, 20265.39%first recorded
As Low As; Loan rate based on creditworthiness; Rates come into effect on 10/01/2026
- Oct 13, 20265.74%▲ from 5.34%
- Sep 17, 20265.34%first recorded
As Low As; Model Years: 2022 & Newer; 100% Financing with qualified credit; Minimum Loan Amount: $15,000
As Low As; Level 1 APR* (730+)
Model Year: 2015 or Newer; Used 2024 or older; Max age 16 years
As Low As; Model Year: 2025 to 2026; Loan rates effective 08/20/2025
Labadie, MO Auto Loan Rate Trends
Compare local Labadie, 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.
Missouri new auto rates rose 0.056 points over the past 7 days to 5.424% APR.
Missouri used auto rates rose 0.034 points over the past 7 days to 5.982% APR.
Labadie, MO Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Missouri figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Missouri APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.42% APR MO average | Used Auto @ 5.98% APR MO average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.99/mo | $289.87/mo | $3.87/mo |
| $25,000 | $476.66/mo | $483.12/mo | $6.46/mo |
| $35,000 | $667.32/mo | $676.36/mo | $9.04/mo |
| $45,000 | $857.98/mo | $869.61/mo | $11.62/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Labadie, Missouri
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Labadie, Missouri locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Missouri. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Labadie, Missouri high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Labadie, Missouri CD rates lock in a guaranteed return until you’re ready to buy
Missouri Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)
A $572 monthly car payment works out to roughly 16.0% of the median individual income in Missouri. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Labadie, Missouri, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Labadie, Missouri. We’ve prefilled the APR with today’s MO new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Labadie, Missouri auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Labadie, Missouri directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Labadie, Missouri. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in MO.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Labadie, Missouri
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Labadie, Missouri
What are auto loan rates in Labadie, Missouri today?
How does my credit score affect my car loan rate in Labadie, Missouri?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Labadie, Missouri?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Labadie, Missouri?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Labadie, Missouri?
- Multi-States Credit Union: 3.49% (New Vehicles Loan)
- Baxter Credit Union: 3.84% (Auto Loan)
- FRB Federal Credit Union: 3.99% (New Auto Loan)
- Central Missouri Community Credit Union: 4.10% (New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan)
- PennTech Employees Federal Credit Union: 4.15% (New or Used Vehicles Loan)
Labadie, Missouri Rates & Resources
