Auto Loan Rates in Lake Ozark, Missouri (MO) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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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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 Ozark, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Lake Ozark, Missouri include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.69% offering New Vehicles 2025-2026 at 3.74%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, Civic Central Credit UnionCivic Central Credit UnionA+5.0 ★Texas Ratio: 1.40% offering Auto Loan at 3.99%, Burlington Northtown Community Credit UnionBurlington Northtown Community Credit UnionA+5.0 ★Texas Ratio: 2.79% offering Auto Loans - New (2025 or Newer) at 3.99%. Auto loan rates as of April 6, 2026 according to verified data from MonitorBankRates.
Lake Ozark borrowers have access to 38 lenders serving the Missouri area, with auto loan rates as low as 3.24% APR from Baxter Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Lake Ozark, Missouri. Auto Loan Rates Last Updated and Verified: April 6, 2026
Compare Auto Loan Rates Today in Lake Ozark, Missouri & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 28, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedApr 4, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Years 2023 and Newer
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 6, 2026
Details
APR3.99%
Term66 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2024-2026 (New or Used)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2026 & Newer
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 5, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 5, 2026
Details
As Low As; 4 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2023 - 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Any Model Year Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 25, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 29, 2026
Details
As Low As; 48 months max term
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMar 27, 2026
Details
As Low As
APR4.29%
Term37-48
Last UpdatedApr 4, 2026
Details
As Low As
APR4.30%
Term36 Month
Last UpdatedApr 6, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 6, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto or Refinance
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 84-month terms2; Up to 125% financing3; Up to 50% savings4 on add-on-options
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMar 25, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
Up to 42
▼
APR4.50%
TermUp to 42
Last UpdatedMar 24, 2026
Details
APR4.55%
Term48 Month
Last UpdatedApr 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMar 25, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 6, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2024-2027 Models up to 48 mos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 4.49%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 6, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 27, 2026
Details
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 27, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
loan balance $20,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; min. $500
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; min. $500
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 2, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
43 - 66
▼
APR4.75%
Term43 - 66
Last UpdatedMar 24, 2026
Details
APR4.79%
Term61-72
Last UpdatedApr 4, 2026
Details
As Low As
APR4.80%
Term60 Month
Last UpdatedApr 6, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedApr 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedApr 2, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 27, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As; 100% Financing with qualified credit
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2023 - 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 6, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedApr 2, 2026
Details
As Low As
APR4.99%
Term78 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2024-2026 (New or Used)
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 26, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 26, 2026
Details
As Low As
APR4.99%
Term12 Months
Last UpdatedMar 29, 2026
Details
As Low As; 2022 - New; 12 - 48 ($5,000 min.)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
67 - 72
▼
APR5.00%
Term67 - 72
Last UpdatedMar 24, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
APR5.05%
Term72 Month
Last UpdatedApr 6, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.08%
48 Months
▼
APR5.08%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedApr 2, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 6, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2024-2027 Models up to 63 mos
5.24%
63 Months
▼
APR5.24%
Term63 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 4.99%
APR5.24%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 2022 - New; Up to 60 ($10,000 min.)
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2023 - 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
APR5.29%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR5.29%
Term36 Months
Last UpdatedMar 25, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedApr 5, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.31%
60 Months
▼
APR5.31%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMar 28, 2026
Details
APR5.39%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR5.39%
Term48 Months
Last UpdatedMar 25, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedApr 2, 2026
Details
As Low As
APR5.40%
Term42 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2024-2026 (New or Used)
APR5.44%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR5.44%
Term60 Months
Last UpdatedMar 25, 2026
Details
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedApr 4, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMar 25, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
/ln > $20k
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2018-2023 Models up to 48 mos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 5.24%
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2018-2023 Models up to 63 mos
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 5.24%
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
APR5.49%
Term12 Months
Last UpdatedMar 29, 2026
Details
As Low As; 2017 - 2021; 12 - 48 ($5,000 min.)
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 84 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 26, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 26, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
73 - 84
▼
APR5.50%
Term73 - 84
Last UpdatedMar 24, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 6, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2024-2027 Models up to 72 mos
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 5.49%
APR5.74%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 2022 - New; Up to 72 ($15,000 min.)
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedApr 5, 2026
Details
As Low As; 7 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2023 - 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 6, 2026
Details
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Recreation Vehicle loan
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2020 to 2017)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 2, 2026
Details
As Low As; Up to 100% NADA Retail
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
APR5.95%
Term52 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2024-2026 (New or Used)
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2017 - 2022
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 6, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2018-2023 Models up to 72 mos
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 5.74%
APR5.99%
Term78 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2022-2023
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 25, 2026
Details
As Low As; APR - 2023 - 2025*
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2016 & older
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2020 to 2017)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMar 28, 2026
Details
As Low As; months
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
▼
APR6.24%
Term60 Months
Last UpdatedApr 5, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMar 25, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
/ln > $20k
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedApr 2, 2026
Details
As Low As
APR6.24%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 2022 - New; Up to 84 ($25,000 min.)
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2016 & older
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedApr 6, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As; APR Range: 6.25% - 14.89%
APR6.25%
Term42 Months
Last UpdatedApr 2, 2026
Details
Model Year: 2022-2023
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMar 28, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
/ln > $45k
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
Auto Loans (Purchase & Refinance) 2024-2027 Models up to 84 mos
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
APR w/ Auto Pay, Checking & Direct Deposit: 6.24%
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto > 7 Years
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 27, 2026
Details
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As; Model Year: 2017 - 2022
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As; APR Range: 6.50% - 15.89%
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 26, 2026
Details
As Low As; min. $25,000
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 26, 2026
Details
As Low As; min. $25,000
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMar 28, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 28, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedApr 4, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 5, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 5, 2026
Details
As Low As; 4 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 29, 2026
Details
As Low As; 48 months max term
APR4.29%
Term37-48
Last UpdatedApr 4, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 6, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto or Refinance
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 25, 2026
Details
As Low As; Up to 84-month terms2; Up to 125% financing3; Up to 50% savings4 on add-on-options
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMar 25, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 6, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
Up to 42
▼
APR4.50%
TermUp to 42
Last UpdatedMar 24, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMar 25, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
New Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 27, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
loan balance $20,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; min. $500
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 2, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
43 - 66
▼
APR4.75%
Term43 - 66
Last UpdatedMar 24, 2026
Details
APR4.79%
Term61-72
Last UpdatedApr 4, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedApr 2, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 27, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As; 100% Financing with qualified credit
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedApr 2, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 26, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
67 - 72
▼
APR5.00%
Term67 - 72
Last UpdatedMar 24, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
▼
APR5.05%
Term66 Months
Last UpdatedApr 5, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.08%
48 Months
▼
APR5.08%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedApr 2, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
APR5.29%
Term36 Months
Last UpdatedMar 25, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedApr 5, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.31%
60 Months
▼
APR5.31%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
APR5.39%
Term48 Months
Last UpdatedMar 25, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedApr 2, 2026
Details
As Low As
APR5.44%
Term60 Months
Last UpdatedMar 25, 2026
Details
As Low As
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
▼
APR5.49%
Term3-7 year
Last UpdatedApr 4, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMar 25, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 6, 2026
Details
/ln > $20k
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 84 months max term
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 26, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
73 - 84
▼
APR5.50%
Term73 - 84
Last UpdatedMar 24, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedApr 5, 2026
Details
As Low As; 7 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMar 25, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedApr 2, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedApr 4, 2026
Details
As Low As; Loyalty Rate
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 6, 2026
Details
/ln > $45k
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 28, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 28, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
New Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 26, 2026
Details
As Low As; min. $25,000
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedApr 5, 2026
Details
As Low As; 3 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedApr 5, 2026
Details
As Low As; 4 YEAR REPAY
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 6, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 25, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2015-2026
4.50%
Up to 42
▼
APR4.50%
TermUp to 42
Last UpdatedMar 24, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 27, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 25, 2026
Details
loan balance $20,000 or more
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 26, 2026
Details
As Low As; min. $500
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2019-2026
4.75%
43 - 66
▼
APR4.75%
Term43 - 66
Last UpdatedMar 24, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 25, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 27, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedApr 4, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 5, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 4, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedApr 6, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedApr 6, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 26, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2022-2026
5.00%
67 - 72
▼
APR5.00%
Term67 - 72
Last UpdatedMar 24, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 5, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedApr 6, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
APR5.29%
Term36 Months
Last UpdatedMar 25, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedApr 4, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedApr 5, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
▼
APR5.34%
Term72 Months
Last UpdatedApr 5, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedApr 5, 2026
Details
As Low As; 6 YEAR REPAY
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMar 28, 2026
Details
APR5.39%
Term48 Months
Last UpdatedMar 25, 2026
Details
APR5.44%
Term60 Months
Last UpdatedMar 25, 2026
Details
APR5.49%
Term72 Months
Last UpdatedMar 25, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedApr 6, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 29, 2026
Details
As Low As; 84 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 26, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New & Used Auto 2023-2026
5.50%
73 - 84
▼
APR5.50%
Term73 - 84
Last UpdatedMar 24, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 5, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedApr 5, 2026
Details
As Low As; 7 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 25, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2020 to 2017)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 29, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedApr 2, 2026
Details
As Low As; Up to 100% NADA Retail
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
New/Used Auto Loans1
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 6, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedApr 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedApr 6, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedApr 5, 2026
Details
As Low As; 5 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Used Vehicles (2020 to 2017)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 29, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 2, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMar 28, 2026
Details
As Low As; months
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedApr 6, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedApr 6, 2026
Details
/ln > $20k
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMar 28, 2026
Details
As Low As; APR Range: 6.25% - 14.89%
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedApr 4, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMar 28, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedApr 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedApr 6, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
Used Auto > 7 Years
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 27, 2026
Details
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMar 28, 2026
Details
As Low As; APR Range: 6.50% - 15.89%
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Used Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 26, 2026
Details
As Low As; min. $25,000
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMar 28, 2026
Details
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MonitorBankRates
Lake Ozark, MO Auto Loan Rate Trends
Compare local Lake Ozark, 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.
New Auto Loan — MO Avg
5.483%
▲ 0.010 vs 7 days ago
Missouri new auto rates rose 0.010 points over the past 7 days to 5.483% APR.
Used Auto Loan — MO Avg
6.079%
▲ 0.145 vs 7 days ago
Missouri used auto rates rose 0.145 points over the past 7 days to 6.079% APR.
As of Apr 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Lake Ozark, 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 Ozark, 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 Ozark, Missouri typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Lake Ozark, Missouri?
Based on our current data, some of the lowest auto loan rates available in Lake Ozark, Missouri include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
- FRB Federal Credit Union: 3.99% (New Auto)
- Civic Central Credit Union: 3.99% (Auto Loan)
- Burlington Northtown Community Credit Union: 3.99% (Auto Loans - New (2025 or Newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Lake Ozark, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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