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  9. Auto Loan Rate Trends

Lake Annette, Missouri Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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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 Lake Annette, 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: October 12, 2026

Lake Annette, Missouri auto loan rates from lenders serving Missouri range from 3.49% to 5.75% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Lake Annette, Missouri include Multi-States Credit UnionMulti-States Credit UnionA+5.0 ★Texas Ratio: 2.17% offering New Vehicles 2025-2026 Loan at 3.49%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 6.31% offering Auto Loans - 2025 & Newer at 3.84%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Alltru Federal Credit UnionAlltru Federal Credit UnionA-4.9 ★Texas Ratio: 16.06% offering New/Used Auto Loans at 3.99%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 9.32% offering New Auto at 3.99%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.

Lake Annette 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 Lake Annette, Missouri. Auto Loan Rates Last Updated and Verified: October 12, 2026

Compare Auto Loan Rates Today in Lake Annette, Missouri & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Lake Annette Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicles 2025-2026 Loan
3.49%
Up To 7 Years
View
▼
APR3.49%
TermUp To 7 Years
Last UpdatedOct 9, 2026
Details

As Low As; *

Rate History
1 change since Sep 22, 2026 · 3.74% → 3.49% ▼ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 22, 2026: 3.74% APROct 9, 2026: 3.49% APRSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.49%▼ from 3.74%
  • Sep 22, 20263.74%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 12, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APRSep 29, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APRSep 18, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.24%
30 months
View
▼
APR4.24%
Term30 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 22, 2026: 4.24% APRSep 22, 2026Oct 12, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 9, 2026
Details

As Low As; **

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 12, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New Vehicle loan
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99%
3.49%4.14%4.79%Sep 17, 2026: 3.99% APROct 5, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20264.29%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.29%
49-60 months
View
▼
APR4.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 12, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Auto Loan
4.30%
36 Month
View
▼
APR4.30%
Term36 Month
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.30% APR · checked 5 times
3.80%4.30%4.80%Sep 14, 2026: 4.30% APRSep 14, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.49%
42 months
View
▼
APR4.49%
Term42 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
36 month car loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.49%, 11.49%.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.49%
1-36 Months
View
▼
APR4.49%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 8, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2027/26/25/24/23 models
4.50%
36 months
View
▼
APR4.50%
Interest Rate4.50%
Term36 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2027/26/25/24/23 models
4.50%
48 months
View
▼
APR4.50%
Interest Rate4.50%
Term48 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 9, 2026: 4.50% APROct 9, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
4.50%
48 months max term
View
▼
APR4.50%
Interest Rate4.50%
Term48 months max term
Last UpdatedOct 9, 2026
Details

48 months max term

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APROct 9, 2026: 4.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Auto Loan
4.55%
48 Month
View
▼
APR4.55%
Term48 Month
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.55% APR · checked 5 times
4.05%4.55%5.05%Sep 14, 2026: 4.55% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.59%
37-48 Months
View
▼
APR4.59%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 5 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 12, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 29, 2026: 4.60% APRSep 29, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.74%
54 months
View
▼
APR4.74%
Term54 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Oct 12, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
2022-2027 Models Auto Loan
4.74%
up to 48 months
View
▼
APR4.74%
Termup to 48 months
Last UpdatedOct 9, 2026
Details

APR w/ Checking & Direct Deposit: 4.49%

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
37-48 Months
View
▼
APR4.74%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.00%. As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
4.75%
60 months
View
▼
APR4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 725 & Above

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2017 - 2024 Model Year
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2027/26/25/24/23 models
4.75%
60 months
View
▼
APR4.75%
Interest Rate4.75%
Term60 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 9, 2026: 4.75% APROct 9, 2026Oct 12, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loans
4.75%
30 months
View
▼
APR4.75%
Term30 months
Last UpdatedOct 9, 2026
Details

Term: For loans $30,000 + will lend up to 84 Months.; Published APR range: 4.75% - 9.75%. 2026 - 2023 Model Years. Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loans
4.75%
Up to 84 Months
View
▼
APR4.75%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.75% - 9.75%. 2026 - 2023 Model Years. Interest rates are based on individual credit scores and are subject to change. For loans $30,000 + will lend up to 84 Months. We will loan up to MSRP / NADA Retail Value. Call the credit union for more details.

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 4 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
New Auto
4.75%
Up to 72 months
View
▼
APR4.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.79% APR · checked 5 times
4.29%4.79%5.29%Sep 16, 2026: 4.79% APRSep 16, 2026Oct 12, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Auto Loan
4.80%
60 Month
View
▼
APR4.80%
Term60 Month
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.80% APR · checked 5 times
4.30%4.80%5.30%Sep 14, 2026: 4.80% APRSep 14, 2026Oct 12, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
4.84%
0 - 36 Months
View
▼
APR4.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 10, 2026: 4.84% APROct 10, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.350%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 4.85% APR · checked 3 times
4.35%4.85%5.35%Sep 12, 2026: 4.85% APRSep 12, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.89%
49-60 Months
View
▼
APR4.89%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 5 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 12, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Car Loan
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Financing up to 125% for well qualified Members. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.

Rate History
No change since Oct 9, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 9, 2026: 4.89% APROct 9, 2026Oct 12, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Car Loan
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Financing up to 125% for well qualified Members. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.

Rate History
No change since Oct 9, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 9, 2026: 4.89% APROct 9, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 8, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 12, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 9, 2026
Details

As Low As; 100% Financing with qualified credit

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Oct 12, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
NEW 2025-2026 Auto Loan
4.99%
Up to 84 month terms
View
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; please call for details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 18, 2026: 4.49% APROct 9, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.99%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
NEW Auto Loan
4.99%
Up to 84 month terms
View
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; Please call for details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 18, 2026: 4.49% APROct 9, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.99%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.25%. As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Auto Loan
4.99%
78 months
View
▼
APR4.99%
Term78 months
Last UpdatedOct 9, 2026
Details

Model Year: 2026-2027 (New or Used)

Rate History
1 change since Sep 14, 2026 · 7.50% → 4.99% ▼ 2.51 pts · high 7.50% / low 4.99%
2.48%6.25%10.01%Sep 14, 2026: 7.50% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.99%▼ from 7.50%
  • Sep 14, 20267.50%first recorded
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Auto Loan
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 9, 2026
Details

Model Year: 2026-2027 (New or Used)

Rate History
1 change since Sep 14, 2026 · 7.00% → 4.99% ▼ 2.01 pts · high 7.00% / low 4.99%
2.98%6.00%9.01%Sep 14, 2026: 7.00% APRSep 18, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
  • Sep 18, 20264.99%▼ from 7.00%
  • Sep 14, 20267.00%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 12, 2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Auto Loan
5.00%
96 months
View
▼
APR5.00%
Term96 months
Last UpdatedOct 8, 2026
Details

Rate History
1 change since Sep 12, 2026 · 5.50% → 5.00% ▼ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 12, 2026: 5.50% APRSep 17, 2026: 5.00% APRSep 12, 2026Oct 12, 2026
  • Sep 17, 20265.00%▼ from 5.50%
  • Sep 12, 20265.50%first recorded
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Auto Loan
5.00%
96 months
View
▼
APR5.00%
Term96 months
Last UpdatedOct 8, 2026
Details

New- 2025 - 2027 model

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2017 - 2024 Model Year
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2027/26/25/24/23 models
5.00%
72 months
View
▼
APR5.00%
Interest Rate5.00%
Term72 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 9, 2026: 5.00% APROct 9, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.00%
60 months max term
View
▼
APR5.00%
Interest Rate5.00%
Term60 months max term
Last UpdatedOct 9, 2026
Details

60 months max term

Rate History
1 change since Sep 18, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 18, 2026: 4.50% APROct 9, 2026: 5.00% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.00%▲ from 4.50%
  • Sep 18, 20264.50%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 7 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Oct 12, 2026
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.75%
Auto Loan
5.05%
72 Month
View
▼
APR5.05%
Term72 Month
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.05% APR · checked 5 times
4.55%5.05%5.55%Sep 14, 2026: 5.05% APRSep 14, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.578%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.08% APR · checked 3 times
4.58%5.08%5.58%Sep 12, 2026: 5.08% APRSep 12, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
5.19%
61-72 Months
View
▼
APR5.19%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 5 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.20%
1 - 48 months
View
▼
APR5.20%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 13.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.20%
49 - 60 months
View
▼
APR5.20%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.20%
1 - 48 months
View
▼
APR5.20%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 13.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.20%
49 - 60 months
View
▼
APR5.20%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.24%
2022 - 2026
View
▼
APR5.24%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 29, 2026: 5.24% APRSep 29, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As; Minimum $35,000 for 84 Months; Model Year: 2020 - 2026

Rate History
No change since Oct 5, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 5, 2026: 5.24% APROct 5, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2026

Rate History
No change since Oct 5, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 5, 2026: 5.24% APROct 5, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
2022-2027 Models Auto Loan
5.24%
up to 63 months
View
▼
APR5.24%
Termup to 63 months
Last UpdatedOct 9, 2026
Details

APR w/ Checking & Direct Deposit: 4.99%

Rate History
No change since Sep 22, 2026 · 5.24% APR · checked 3 times
4.74%5.24%5.74%Sep 22, 2026: 5.24% APRSep 22, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.25%. As Low As

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
5.25%
72 months
View
▼
APR5.25%
Term72 months
Last UpdatedOct 9, 2026
Details

Credit Score: 725 & Above

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 4 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2017 - 2024 Model Year
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.25%
72 months max term
View
▼
APR5.25%
Interest Rate5.25%
Term72 months max term
Last UpdatedOct 9, 2026
Details

72 months max term

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.25%
60 months max term
View
▼
APR5.25%
Interest Rate5.25%
Term60 months max term
Last UpdatedOct 9, 2026
Details

60 months max term

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
5.29%
49-60 months
View
▼
APR5.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan
5.30%
1 - 48 months
View
▼
APR5.30%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 13.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan
5.30%
49 - 60 months
View
▼
APR5.30%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 14.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
Used Auto Loan
5.30%
1 - 48 months
View
▼
APR5.30%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 13.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
Used Auto Loan
5.30%
49 - 60 months
View
▼
APR5.30%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 14.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.814%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.31% APR · checked 3 times
4.81%5.31%5.81%Sep 12, 2026: 5.31% APRSep 12, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2023 - 2024
5.34%
37 - 75 Months
View
▼
APR5.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
No change since Oct 10, 2026 · 5.34% APR
4.84%5.34%5.84%Oct 10, 2026: 5.34% APROct 10, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
Used Vehicles Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedOct 9, 2026
Details

2018-2024

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 6 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 12, 2026
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Auto Loan
5.40%
42 months
View
▼
APR5.40%
Term42 months
Last UpdatedOct 9, 2026
Details

Model Year: 2026-2027 (New or Used)

Rate History
No change since Sep 14, 2026 · 5.40% APR · checked 5 times
4.90%5.40%5.90%Sep 14, 2026: 5.40% APRSep 14, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Business Auto Loan
5.49%
2021 - 2025
View
▼
APR5.49%
Term2021 - 2025
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 29, 2026: 5.49% APRSep 29, 2026Oct 12, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 5.05% → 5.49% ▲ 0.44 pts · high 5.49% / low 5.05%
4.55%5.27%5.99%Sep 17, 2026: 5.05% APROct 5, 2026: 5.49% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20265.49%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 9, 2026
Details

/ln > $20k

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 12, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
2017-2021 Models Auto Loan
5.49%
up to 48 months
View
▼
APR5.49%
Termup to 48 months
Last UpdatedOct 9, 2026
Details

APR w/ Checking & Direct Deposit: 5.24%

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 12, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
2017-2021 Models Auto Loan
5.49%
up to 63 months
View
▼
APR5.49%
Termup to 63 months
Last UpdatedOct 9, 2026
Details

APR w/ Checking & Direct Deposit: 5.24%

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 12, 2026
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.12%
2022-2027 Models Auto Loan
5.49%
up to 72 months
View
▼
APR5.49%
Termup to 72 months
Last UpdatedOct 9, 2026
Details

APR w/ Checking & Direct Deposit: 5.24%

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 12, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Pre-Owned 2022-2024 Auto Loan
5.49%
Up to 84 month terms
View
▼
APR5.49%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; please call for details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 18, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Pre-Owned Auto Loan
5.49%
Up to 84 month terms
View
▼
APR5.49%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 6.99%, 9.74%. As low as; Please call for details

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2017 - 2024 Model Year
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
De Soto Mo Pac Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.77%
Autos and Motorcycles - 2026-2023
5.50%
up to 60 months
View
▼
APR5.50%
Termup to 60 months
Last UpdatedOct 9, 2026
Details

Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks.

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 3 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2022/21/20/19 models
5.50%
36 months
View
▼
APR5.50%
Interest Rate5.50%
Term36 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2022/21/20/19 models
5.50%
48 months
View
▼
APR5.50%
Interest Rate5.50%
Term48 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 12, 2026
Horizon Credit Union Macon, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Vehicle Loans: 2027/26/25/24/23 models and over
5.50%
84 months
View
▼
APR5.50%
Interest Rate5.50%
Term84 months
Last UpdatedOct 9, 2026
Details

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

Rate History
No change since Oct 9, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 9, 2026: 5.50% APROct 9, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.50%
84 months max term
View
▼
APR5.50%
Interest Rate5.50%
Term84 months max term
Last UpdatedOct 9, 2026
Details

84 months max term

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.50%
72 months max term
View
▼
APR5.50%
Interest Rate5.50%
Term72 months max term
Last UpdatedOct 9, 2026
Details

72 months max term

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
12 months
View
▼
APR5.50%
Term12 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 6.055%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.55% APR · checked 3 times
5.05%5.55%6.05%Sep 12, 2026: 5.55% APRSep 12, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 9.00%. As Low As

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 5 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 12, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.70%
61 - 72 months
View
▼
APR5.70%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.70% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.70%
61 - 72 months
View
▼
APR5.70%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.70% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
Auto Loan
5.74%
2018 - 2021
View
▼
APR5.74%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 29, 2026: 5.74% APRSep 29, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2026

Rate History
1 change since Sep 14, 2026 · 5.34% → 5.74% ▲ 0.40 pts · high 5.74% / low 5.34%
4.84%5.54%6.24%Sep 14, 2026: 5.34% APROct 5, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20265.74%▲ from 5.34%
  • Sep 14, 20265.34%first recorded
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 29, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Sep 29, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 14, 2026: 5.99% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.74%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
CommunityAmerica Credit Union
Auto Loan
5.74%
2022 - 2026
View
▼
APR5.74%
Term2022 - 2026
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APRSep 30, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Sep 30, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedOct 9, 2026
Details

Credit Score: 724-690

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Auto Loan
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedOct 9, 2026
Details

Credit Score: 725 & Above

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 4 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Recreation Vehicle Loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As; * Rates are subject to change without notice.

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2017 - 2024 Model Year
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 5 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 12, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
5.75%
up to 48 months
View
▼
APR5.75%
Termup to 48 months
Last UpdatedOct 9, 2026
Details

NO MINIMUM

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026 thru 2019 Used Auto
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026

Lake Annette New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Vehicles 2025-2026 Loan
3.49%
Up To 7 Years
View
▼
APR3.49%
TermUp To 7 Years
Last UpdatedOct 9, 2026
Details

As Low As; *

Rate History
1 change since Sep 22, 2026 · 3.74% → 3.49% ▼ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 22, 2026: 3.74% APROct 9, 2026: 3.49% APRSep 22, 2026Oct 12, 2026
  • Oct 9, 20263.49%▼ from 3.74%
  • Sep 22, 20263.74%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 12, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
36 months
View
▼
APR4.10%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.10% APR · checked 4 times
3.60%4.10%4.60%Sep 29, 2026: 4.10% APRSep 29, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APRSep 18, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.24%
30 months
View
▼
APR4.24%
Term30 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 8 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.24%
24 months
View
▼
APR4.24%
Term24 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 22, 2026: 4.24% APRSep 22, 2026Oct 12, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
New Vehicle loan
4.29%
36 Months
View
▼
APR4.29%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 3.99% → 4.29% ▲ 0.30 pts · high 4.29% / low 3.99%
3.49%4.14%4.79%Sep 17, 2026: 3.99% APROct 5, 2026: 4.29% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20264.29%▲ from 3.99%
  • Sep 17, 20263.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.29%
49-60 months
View
▼
APR4.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.29% APR · checked 5 times
3.79%4.29%4.79%Sep 16, 2026: 4.29% APRSep 16, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.49%
42 months
View
▼
APR4.49%
Term42 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 8 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Sep 22, 2026: 4.49% APRSep 22, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.49%
1-36 Months
View
▼
APR4.49%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 5 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 8, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 5 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
4.50%
48 months max term
View
▼
APR4.50%
Interest Rate4.50%
Term48 months max term
Last UpdatedOct 9, 2026
Details

48 months max term

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.50% ▲ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 18, 2026: 4.00% APROct 9, 2026: 4.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.50%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.59%
37-48 Months
View
▼
APR4.59%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 5 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.74%
54 months
View
▼
APR4.74%
Term54 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 8 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.74% APR · checked 3 times
4.24%4.74%5.24%Sep 22, 2026: 4.74% APRSep 22, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 14, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 14, 20264.49%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 2 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
New Auto
4.75%
Up to 72 months
View
▼
APR4.75%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

Up to 100% NADA Retail

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.79% APR · checked 5 times
4.29%4.79%5.29%Sep 16, 2026: 4.79% APRSep 16, 2026Oct 12, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.350%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 4.85% APR · checked 3 times
4.35%4.85%5.35%Sep 12, 2026: 4.85% APRSep 12, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 2 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
4.89%
49-60 Months
View
▼
APR4.89%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.89% APR · checked 5 times
4.39%4.89%5.39%Sep 14, 2026: 4.89% APRSep 14, 2026Oct 12, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
New Car Loan
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Financing up to 125% for well qualified Members. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.

Rate History
No change since Oct 9, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 9, 2026: 4.89% APROct 9, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 17, 2026: 4.99% APRSep 17, 2026Oct 12, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 9, 2026
Details

As Low As; 100% Financing with qualified credit

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
4.99%
66 months
View
▼
APR4.99%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 22, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Sep 22, 2026: 4.99% APRSep 22, 2026Oct 12, 2026
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
NEW 2025-2026 Auto Loan
4.99%
Up to 84 month terms
View
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; please call for details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 18, 2026: 4.49% APROct 9, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.99%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
NEW Auto Loan
4.99%
Up to 84 month terms
View
▼
APR4.99%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; Please call for details

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.99% ▲ 0.50 pts · high 4.99% / low 4.49%
3.99%4.74%5.49%Sep 18, 2026: 4.49% APROct 9, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.99%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
New Auto Loan
5.00%
96 months
View
▼
APR5.00%
Term96 months
Last UpdatedOct 8, 2026
Details

New- 2025 - 2027 model

Rate History
No change since Sep 17, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 17, 2026: 5.00% APRSep 17, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 5 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.00% APR · checked 2 times
4.50%5.00%5.50%Sep 18, 2026: 5.00% APRSep 18, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.00%
60 months max term
View
▼
APR5.00%
Interest Rate5.00%
Term60 months max term
Last UpdatedOct 9, 2026
Details

60 months max term

Rate History
1 change since Sep 18, 2026 · 4.50% → 5.00% ▲ 0.50 pts · high 5.00% / low 4.50%
4.00%4.75%5.50%Sep 18, 2026: 4.50% APROct 9, 2026: 5.00% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.00%▲ from 4.50%
  • Sep 18, 20264.50%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 17, 2026 · 5.05% APR · checked 7 times
4.55%5.05%5.55%Sep 17, 2026: 5.05% APRSep 17, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.578%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.08% APR · checked 3 times
4.58%5.08%5.58%Sep 12, 2026: 5.08% APRSep 12, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
New Vehicle Loan
5.19%
61-72 Months
View
▼
APR5.19%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.19% APR · checked 5 times
4.69%5.19%5.69%Sep 14, 2026: 5.19% APRSep 14, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.20%
1 - 48 months
View
▼
APR5.20%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 13.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.20%
49 - 60 months
View
▼
APR5.20%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.20%
1 - 48 months
View
▼
APR5.20%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 13.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.20%
49 - 60 months
View
▼
APR5.20%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.20% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.20% APR
4.70%5.20%5.70%Oct 9, 2026: 5.20% APROct 9, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.18%
New Car Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.24% ▲ 0.25 pts · high 5.24% / low 4.99%
4.49%5.12%5.74%Sep 14, 2026: 4.99% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.74% → 5.24% ▲ 0.50 pts · high 5.24% / low 4.74%
4.24%4.99%5.74%Sep 14, 2026: 4.74% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▲ from 4.74%
  • Sep 14, 20264.74%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 5 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 2 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.25%
72 months max term
View
▼
APR5.25%
Interest Rate5.25%
Term72 months max term
Last UpdatedOct 9, 2026
Details

72 months max term

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.25%
60 months max term
View
▼
APR5.25%
Interest Rate5.25%
Term60 months max term
Last UpdatedOct 9, 2026
Details

60 months max term

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 5.814%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.31% APR · checked 3 times
4.81%5.31%5.81%Sep 12, 2026: 5.31% APRSep 12, 2026Oct 12, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Auto Loans - 2025 & Newer
5.34%
76 - 84 Months
View
▼
APR5.34%
Term76 - 84 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term; **76-84 month term available for model years 2025 and newer only.

Rate History
2 changes since Sep 14, 2026 · 4.89% → 5.34% ▲ 0.45 pts · high 5.34% / low 4.89%
4.39%5.12%5.84%Sep 14, 2026: 4.89% APRSep 18, 2026: 5.14% APROct 10, 2026: 5.34% APRSep 14, 2026Oct 12, 2026
  • Oct 10, 20265.34%▲ from 5.14%
  • Sep 18, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
New Cars & Trucks Loan
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 17, 2026 · 5.05% → 5.49% ▲ 0.44 pts · high 5.49% / low 5.05%
4.55%5.27%5.99%Sep 17, 2026: 5.05% APROct 5, 2026: 5.49% APRSep 17, 2026Oct 12, 2026
  • Oct 5, 20265.49%▲ from 5.05%
  • Sep 17, 20265.05%first recorded
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New Auto, Truck, SUV & Van
5.49%
78 months
View
▼
APR5.49%
Term78 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 8 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Auto Loans - New (2025 or Newer)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedOct 9, 2026
Details

/ln > $20k

Rate History
No change since Sep 22, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Sep 22, 2026: 5.49% APRSep 22, 2026Oct 12, 2026
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 14, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Kansas City Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.29%
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026-2025 New Auto
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.50% APR · checked 2 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
New Vehicles
5.50%
84 months max term
View
▼
APR5.50%
Interest Rate5.50%
Term84 months max term
Last UpdatedOct 9, 2026
Details

84 months max term

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.50%
72 months max term
View
▼
APR5.50%
Interest Rate5.50%
Term72 months max term
Last UpdatedOct 9, 2026
Details

72 months max term

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
New Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
12 months
View
▼
APR5.50%
Term12 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
24 months
View
▼
APR5.50%
Term24 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
36 months
View
▼
APR5.50%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
New Auto Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 16, 2026 · 5.50% APR · checked 5 times
5.00%5.50%6.00%Sep 16, 2026: 5.50% APRSep 16, 2026Oct 12, 2026
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
New Vehicle Auto Loan
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedOct 8, 2026
Details

Additional APR listed for this product: 6.055%. Loyalty Rate: -.50% if members have automatic transfer and OFCU is the borrower's primary financial institution (defined as a member must have savings, checking, direct credit or debit and one loan with OFCU).

Rate History
No change since Sep 12, 2026 · 5.55% APR · checked 3 times
5.05%5.55%6.05%Sep 12, 2026: 5.55% APRSep 12, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2025 - 2027 new vehicle Loan
5.70%
61 - 72 months
View
▼
APR5.70%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.70% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
New Auto Loan
5.70%
61 - 72 months
View
▼
APR5.70%
Term61 - 72 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.70% - 14.89%. As low as

Rate History
No change since Oct 9, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 9, 2026: 5.70% APROct 9, 2026Oct 12, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 29, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Sep 29, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 14, 2026: 5.99% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.74%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
1st MidAmerica Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.80%
Vehicles - 2018 and Newer Loan
5.74%
66 months
View
▼
APR5.74%
Term66 months
Last UpdatedOct 9, 2026
Details

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.74% ▲ 0.50 pts · high 5.74% / low 5.24%
4.74%5.49%6.24%Sep 14, 2026: 5.24% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.74%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026
District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
5.75%
up to 48 months
View
▼
APR5.75%
Termup to 48 months
Last UpdatedOct 9, 2026
Details

NO MINIMUM

Rate History
No change since Sep 14, 2026 · 5.75% APR · checked 3 times
5.25%5.75%6.25%Sep 14, 2026: 5.75% APRSep 14, 2026Oct 12, 2026

Lake Annette Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.15% APR · checked 6 times
3.65%4.15%4.65%Sep 18, 2026: 4.15% APRSep 18, 2026Oct 12, 2026
Multi-States Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicles - 2024 and Older Loan
4.24%
Up To 6 Years
View
▼
APR4.24%
TermUp To 6 Years
Last UpdatedOct 9, 2026
Details

As Low As; **

Rate History
1 change since Sep 14, 2026 · 4.49% → 4.24% ▼ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.49% APROct 9, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.24%▼ from 4.49%
  • Sep 14, 20264.49%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 12, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24%
3.74%4.37%4.99%Sep 14, 2026: 4.24% APROct 9, 2026: 4.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
Interest Rate4.50%
TermUp to 42 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.50%-15.50%. Model Year: 2015-2026

Rate History
No change since Sep 14, 2026 · 4.50% APR · checked 6 times
4.00%4.50%5.00%Sep 14, 2026: 4.50% APRSep 14, 2026Oct 12, 2026
Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.01%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
36 months
View
▼
APR4.60%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 29, 2026 · 4.60% APR · checked 4 times
4.10%4.60%5.10%Sep 29, 2026: 4.60% APRSep 29, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
4.64%
60 month
View
▼
APR4.64%
Term60 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.39% → 4.64% ▲ 0.25 pts · high 4.64% / low 4.39%
3.89%4.52%5.14%Sep 14, 2026: 4.39% APROct 1, 2026: 4.64% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.64%▲ from 4.39%
  • Sep 14, 20264.39%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
63 Months
View
▼
APR4.74%
Term63 Months
Last UpdatedOct 9, 2026
Details

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

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
36 Months
View
▼
APR4.74%
Term36 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
2 changes since Sep 14, 2026 · 4.24% → 4.74% ▲ 0.50 pts · high 4.74% / low 4.24%
3.74%4.49%5.24%Sep 14, 2026: 4.24% APRSep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%▲ from 4.24%
  • Sep 14, 20264.24%first recorded
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
4.74%
37-48 Months
View
▼
APR4.74%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
1 change since Sep 18, 2026 · 4.49% → 4.74% ▲ 0.25 pts · high 4.74% / low 4.49%
3.99%4.62%5.24%Sep 18, 2026: 4.49% APROct 9, 2026: 4.74% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.74%▲ from 4.49%
  • Sep 18, 20264.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.00%. As Low As

Rate History
No change since Sep 14, 2026 · 4.74% APR · checked 5 times
4.24%4.74%5.24%Sep 14, 2026: 4.74% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedOct 10, 2026
Details

As Low As; Minimum loan amount $500

Rate History
No change since Sep 18, 2026 · 4.75% APR · checked 5 times
4.25%4.75%5.25%Sep 18, 2026: 4.75% APRSep 18, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Interest Rate4.75%
Term43 - 66 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.75%-15.75%. Model Year: 2019-2026

Rate History
No change since Sep 14, 2026 · 4.75% APR · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 12, 2026
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.51%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedOct 10, 2026
Details

As Low As; 2019-2026

Rate History
No change since Sep 14, 2026 · 4.84% APR · checked 6 times
4.34%4.84%5.34%Sep 14, 2026: 4.84% APRSep 14, 2026Oct 12, 2026
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Used Car Loan
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedOct 9, 2026
Details

Financing up to 125% for well qualified Members. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program.

Rate History
No change since Oct 9, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 9, 2026: 4.89% APROct 9, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 8, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
0-12 months
View
▼
APR4.99%
Interest Rate4.99%
Term0-12 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
13-24 months
View
▼
APR4.99%
Interest Rate4.99%
Term13-24 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
25-36 months
View
▼
APR4.99%
Interest Rate4.99%
Term25-36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
37-48 months
View
▼
APR4.99%
Interest Rate4.99%
Term37-48 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Autos & Trucks (new and used)
4.99%
49-60 months
View
▼
APR4.99%
Interest Rate4.99%
Term49-60 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 18, 2026: 4.99% APRSep 18, 2026Oct 12, 2026
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedOct 9, 2026
Details

As Low As; 100% Financing with qualified credit

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.25%. As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 6 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 4.99% APR · checked 5 times
4.49%4.99%5.49%Sep 16, 2026: 4.99% APRSep 16, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Interest Rate5.00%
Term67 - 72 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.00%-16.00%. Model Year: 2022-2026

Rate History
No change since Sep 14, 2026 · 5.00% APR · checked 6 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APRSep 14, 2026Oct 12, 2026
Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.09%
New and Pre-Owned Auto Loan
5.14%
72 month
View
▼
APR5.14%
Term72 month
Last UpdatedOct 9, 2026
Details

As Low As; APR=Annual Percentage Rate (rate excludes loan fees)

Rate History
1 change since Sep 14, 2026 · 4.89% → 5.14% ▲ 0.25 pts · high 5.14% / low 4.89%
4.39%5.02%5.64%Sep 14, 2026: 4.89% APROct 1, 2026: 5.14% APRSep 14, 2026Oct 12, 2026
  • Oct 1, 20265.14%▲ from 4.89%
  • Sep 14, 20264.89%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As; Minimum $35,000 for 84 Months; Model Year: 2020 - 2026

Rate History
No change since Oct 5, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 5, 2026: 5.24% APROct 5, 2026Oct 12, 2026
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.24%
60 Months
View
▼
APR5.24%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2026

Rate History
No change since Oct 5, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 5, 2026: 5.24% APROct 5, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Alltru Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.06%
New/Used Auto Loans
5.24%
60 months
View
▼
APR5.24%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as*

Rate History
No change since Sep 18, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 18, 2026: 5.24% APRSep 18, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.24%
36-month
View
▼
APR5.24%
Term36-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.24%
48-month
View
▼
APR5.24%
Term48-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.24% ▼ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.49% APROct 9, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.24%▼ from 5.49%
  • Sep 14, 20265.49%first recorded
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 8.25%. As Low As

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 5 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 6 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.25%
60 months max term
View
▼
APR5.25%
Interest Rate5.25%
Term60 months max term
Last UpdatedOct 9, 2026
Details

60 months max term

Rate History
1 change since Sep 18, 2026 · 4.75% → 5.25% ▲ 0.50 pts · high 5.25% / low 4.75%
4.25%5.00%5.75%Sep 18, 2026: 4.75% APROct 9, 2026: 5.25% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.25%▲ from 4.75%
  • Sep 18, 20264.75%first recorded
Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 5.25% APR · checked 6 times
4.75%5.25%5.75%Sep 14, 2026: 5.25% APRSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 12, 2026
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.32%
Used Auto
5.29%
49-60 months
View
▼
APR5.29%
Term49-60 months
Last UpdatedOct 12, 2026
Details

As Low As*

Rate History
No change since Sep 16, 2026 · 5.29% APR · checked 5 times
4.79%5.29%5.79%Sep 16, 2026: 5.29% APRSep 16, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan
5.30%
1 - 48 months
View
▼
APR5.30%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 13.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
2023 - 2026 used vehicle Loan
5.30%
49 - 60 months
View
▼
APR5.30%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 14.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
Used Auto Loan
5.30%
1 - 48 months
View
▼
APR5.30%
Term1 - 48 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 13.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.16%
Used Auto Loan
5.30%
49 - 60 months
View
▼
APR5.30%
Term49 - 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.30% - 14.99%. As low as

Rate History
No change since Oct 9, 2026 · 5.30% APR
4.80%5.30%5.80%Oct 9, 2026: 5.30% APROct 9, 2026Oct 12, 2026
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
Used Vehicles Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedOct 9, 2026
Details

2018-2024

Rate History
No change since Sep 18, 2026 · 5.35% APR · checked 6 times
4.85%5.35%5.85%Sep 18, 2026: 5.35% APRSep 18, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 5.97%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedOct 9, 2026
Details

Reflects AutoPay .25% deduction

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 6 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.49%
60-month
View
▼
APR5.49%
Term60-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.74% → 5.49% ▼ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.74% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▼ from 5.74%
  • Sep 14, 20265.74%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Pre-Owned 2022-2024 Auto Loan
5.49%
Up to 84 month terms
View
▼
APR5.49%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

As low as; please call for details

Rate History
1 change since Sep 18, 2026 · 4.99% → 5.49% ▲ 0.50 pts · high 5.49% / low 4.99%
4.49%5.24%5.99%Sep 18, 2026: 4.99% APROct 9, 2026: 5.49% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 4.99%
  • Sep 18, 20264.99%first recorded
TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
Pre-Owned Auto Loan
5.49%
Up to 84 month terms
View
▼
APR5.49%
TermUp to 84 month terms
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 6.99%, 9.74%. As low as; Please call for details

Rate History
No change since Oct 9, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 12, 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Used Auto
5.49%
75 Months
View
▼
APR5.49%
Term75 Months
Last UpdatedOct 9, 2026
Details

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.

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 14, 2026: 5.24% APROct 9, 2026: 5.49% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.49%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.27%
Used Vehicles (2022 and Newer)
5.50%
72 months max term
View
▼
APR5.50%
Interest Rate5.50%
Term72 months max term
Last UpdatedOct 9, 2026
Details

72 months max term

Rate History
1 change since Sep 18, 2026 · 5.00% → 5.50% ▲ 0.50 pts · high 5.50% / low 5.00%
4.50%5.25%6.00%Sep 18, 2026: 5.00% APROct 9, 2026: 5.50% APRSep 18, 2026Oct 12, 2026
  • Oct 9, 20265.50%▲ from 5.00%
  • Sep 18, 20265.00%first recorded
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Interest Rate5.50%
Term73 - 84 months
Last UpdatedOct 10, 2026
Details

Published rate range: 5.50%-8.00%. Model Year: 2023-2026

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 6 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 12, 2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedOct 9, 2026
Details

Additional APR listed for this product: 9.00%. As Low As

Rate History
No change since Sep 14, 2026 · 5.64% APR · checked 5 times
5.14%5.64%6.14%Sep 14, 2026: 5.64% APRSep 14, 2026Oct 12, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 12, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.91%
Used Cars & Trucks Loan
5.74%
72 Months
View
▼
APR5.74%
Term72 Months
Last UpdatedOct 9, 2026
Details

As Low As; Model Year: 2020 - 2026

Rate History
1 change since Sep 14, 2026 · 5.34% → 5.74% ▲ 0.40 pts · high 5.74% / low 5.34%
4.84%5.54%6.24%Sep 14, 2026: 5.34% APROct 5, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 5, 20265.74%▲ from 5.34%
  • Sep 14, 20265.34%first recorded
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New & Used Vehicle Loan
5.74%
72-75 months
View
▼
APR5.74%
Term72-75 months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.74% ▲ 0.25 pts · high 5.74% / low 5.49%
4.99%5.62%6.24%Sep 14, 2026: 5.49% APRSep 29, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Sep 29, 20265.74%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Educational Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.74%
72-month
View
▼
APR5.74%
Term72-month
Last UpdatedOct 9, 2026
Details

Level 1 APR* (730+)

Rate History
1 change since Sep 14, 2026 · 5.99% → 5.74% ▼ 0.25 pts · high 5.99% / low 5.74%
5.24%5.87%6.49%Sep 14, 2026: 5.99% APROct 9, 2026: 5.74% APRSep 14, 2026Oct 12, 2026
  • Oct 9, 20265.74%▼ from 5.99%
  • Sep 14, 20265.99%first recorded
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.14%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedOct 9, 2026
Details

As Low As; 2025 to 2026

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 6 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026
Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
2026 thru 2019 Used Auto
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedOct 9, 2026
Details

Rate History
No change since Sep 18, 2026 · 5.75% APR · checked 2 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APRSep 18, 2026Oct 12, 2026

Lake Annette, MO Auto Loan Rate Trends

Compare local Lake Annette, 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
5.336%
▲ 0.095 vs 7 days ago

Missouri new auto rates rose 0.095 points over the past 7 days to 5.336% APR.

Used Auto Loan MO Avg
5.834%
▼ 0.003 vs 7 days ago

Missouri used auto rates fell 0.003 points over the past 7 days to 5.834% APR.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

Lake Annette, 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.

Current New Auto Avg
5.34%
APR, as of Oct 12, 2026
6-Month Forecast
5.42%
Fed hold assumed
12-Month Forecast
5.49%
Range: 5.14% to 5.69%
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.

Powered byMonitorBankRates

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 @ 5.34% APR
MO average		 Used Auto @ 5.83% APR
MO average		 Monthly Difference
$15,000 $285.39/mo $288.83/mo $3.45/mo
$25,000 $475.64/mo $481.39/mo $5.74/mo
$35,000 $665.90/mo $673.94/mo $8.04/mo
$45,000 $856.16/mo $866.50/mo $10.34/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Lake Annette, Missouri

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Lake Annette, 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.

2

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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?

Missouri Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$42,774
Median Individual Earnings
National avg: $47,340
4.0%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$571/mo
Payment on a $30K / 60-mo Loan
At MO new-auto avg 5.34% APR

A $571 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 Lake Annette, 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 Lake Annette, 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.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 Lake Annette, 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 Lake Annette, 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 Lake Annette, 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 Lake Annette, 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.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.71% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%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.

See Bad Credit Car Loans
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Frequently Asked Questions about Auto Loans in Lake Annette, 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 Lake Annette, 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 Lake Annette, 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.

Should I get preapproved for an auto loan before visiting a dealer in Lake Annette, Missouri?

Yes. A preapproval from a bank or credit union serving Lake Annette, Missouri gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Lake Annette, Missouri can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Lake Annette, Missouri?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Lake Annette, Missouri?

Based on our current data, some of the lowest auto loan rates available in Lake Annette, Missouri include:
  • Multi-States Credit Union: 3.49% (New Vehicles 2025-2026 Loan)
  • Baxter Credit Union: 3.84% (Auto Loans - 2025 & Newer)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
  • FRB Federal Credit Union: 3.99% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lake Annette, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 12, 2026

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