Auto Loan Rates in Lake Ozark, Missouri (MO) for July 2026
Brian McKay
Brian McKay
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Current auto loan rates in Lake Ozark, Missouri include Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026* Loan at 3.74%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.45% offering Auto Loans at 3.89%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.73% offering New Auto at 3.99%, PennTech Employees Federal Credit UnionPennTech Employees Federal Credit UnionA5.0 ★Texas Ratio: 6.77% offering New or Used Vehicles Loan at 4.15%, Burlington Northtown Community Credit UnionBurlington Northtown Community Credit UnionA+5.0 ★Texas Ratio: 2.75% offering Auto Loans - New (2025 or Newer) at 4.24%. Auto loan rates as of July 11, 2026 according to verified data from MonitorBankRates.
Lake Ozark borrowers have access to 25 lenders serving the Missouri area, with auto loan rates as low as 3.74% APR from Mercy 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: July 11, 2026
Compare Auto Loan Rates Today in Lake Ozark, Missouri & Surrounding Area
Lake Ozark Auto Loan Rates
As Low As; **
Fixed-Rate up to 36 months as low as 3.89% APR
As Low As*
As Low As; New or Used Vehicles
As Low As; New or Used Vehicles
As Low As
As Low As*
As Low As; See Auto Loan Rates
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; Rate quoted as low as on 36-month term. Rates, terms, and conditions may vary based on creditworthiness, qualifications, and collateral conditions and are subject to change. Estimated payment per $1,000 borrowed at 4.49% APR for 36 months is $29.74. All loans subject to approval. Auto Loan Refi Special Offer: $90 Cash Back & No Payment for 90 Days. Limited time special offer. Not valid on existing loans financed with West Community Credit Union or Gateway Metro Federal Credit Union. Available to qualified borrowers refinancing a 2014 or newer model vehicle. Minimum loan balance of $5,000 required. A minimum FICO score of 640 will be required for 90 days to first payment. Interest will accrue during the first 90 days. $90 will be deposited into your GMFCU savings account within 30 days of loan funding. Restrictions may apply. Offer may be modified or discontinued at any time.
As Low As; **
2015-2026
As Low As; No Payment for 90 Days!
As Low As; *
As Low As
As Low As
Up to 100% NADA Retail
2019-2026
As Low As; New or Used Vehicles
As Low As
As Low As*
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As
As Low As*
As Low As; $5,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; 100% Financing with qualified credit
2022-2026
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As
As Low As; $10,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; New or Used Vehicles
As Low As*
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Used Vehicles
As Low As; $5,000 min.
As Low As; $15,000 minimum
/ln > $20k
As Low As; Interest
2023-2026
New- 2025 - 2027 model
As Low As; *
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; $10,000 min.
As Low As; $15,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
NADA value over $10,000; Up to 100% NADA Retail
As Low As; New or Used Vehicles
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; $20,000 minimum
As Low As
As Low As; Interest
As Low As; Used Vehicles
As Low As
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; $15,000 min.
As Low As; $25,000 min.
As Low As; $15,000 minimum
Preowned- 2016 - 2026 model
As Low As*
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
/ln > $35k
2025-2026 (President must approve)
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
2014 & older
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; *
As Low As; $20,000 minimum
As Low As; Interest
As Low As
As Low As; Interest
As Low As
Rate with Maximum Discount*: 3.75%
As Low As; $5,000 min.
NADA value < $5,000; Up to 100% NADA Retail
Starting as low as 8% APR
Rate with Maximum Discount*: 4.25%
Rate with Maximum Discount*: 4.50%
Rate with Maximum Discount*: 4.75%
Rate with Maximum Discount*: 5.00%
Rate with Maximum Discount*: 5.25%
Rate with Maximum Discount*: 5.50%
Rate with Maximum Discount*: 6.00%
As Low As; Used Vehicles
Lake Ozark New Auto Auto Loan Rates
As Low As; **
As Low As*
As Low As; New or Used Vehicles
As Low As; New or Used Vehicles
As Low As*
As Low As; See Auto Loan Rates
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; Rate quoted as low as on 36-month term. Rates, terms, and conditions may vary based on creditworthiness, qualifications, and collateral conditions and are subject to change. Estimated payment per $1,000 borrowed at 4.49% APR for 36 months is $29.74. All loans subject to approval. Auto Loan Refi Special Offer: $90 Cash Back & No Payment for 90 Days. Limited time special offer. Not valid on existing loans financed with West Community Credit Union or Gateway Metro Federal Credit Union. Available to qualified borrowers refinancing a 2014 or newer model vehicle. Minimum loan balance of $5,000 required. A minimum FICO score of 640 will be required for 90 days to first payment. Interest will accrue during the first 90 days. $90 will be deposited into your GMFCU savings account within 30 days of loan funding. Restrictions may apply. Offer may be modified or discontinued at any time.
2015-2026
As Low As; No Payment for 90 Days!
As Low As; *
As Low As
Up to 100% NADA Retail
2019-2026
As Low As; New or Used Vehicles
As Low As*
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; $5,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; 100% Financing with qualified credit
2022-2026
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; $10,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; New or Used Vehicles
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; $15,000 minimum
/ln > $20k
As Low As; Interest
2023-2026
New- 2025 - 2027 model
As Low As; *
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; $15,000 min.
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; New or Used Vehicles
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As
As Low As; $20,000 minimum
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; $25,000 min.
Loyalty Rate. As Low As; -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
/ln > $35k
2025-2026 (President must approve)
2014 & older
As Low As; Loyalty Rate: -0.50% 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). Current Model Year with less than 15,000 miles qualifies for the "New Vehicle" rate. Term is based on vehicle value and amount financed. Rates are determined by individual credit scores. Subject to credit approval.
As Low As; Interest
As Low As; Interest
Rate with Maximum Discount*: 3.75%
Starting as low as 8% APR
Rate with Maximum Discount*: 4.25%
Rate with Maximum Discount*: 4.50%
Rate with Maximum Discount*: 5.50%
Lake Ozark Used Auto Auto Loan Rates
As Low As; New or Used Vehicles
As Low As; New or Used Vehicles
As Low As; See Auto Loan Rates
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; Rate quoted as low as on 36-month term. Rates, terms, and conditions may vary based on creditworthiness, qualifications, and collateral conditions and are subject to change. Estimated payment per $1,000 borrowed at 4.49% APR for 36 months is $29.74. All loans subject to approval. Auto Loan Refi Special Offer: $90 Cash Back & No Payment for 90 Days. Limited time special offer. Not valid on existing loans financed with West Community Credit Union or Gateway Metro Federal Credit Union. Available to qualified borrowers refinancing a 2014 or newer model vehicle. Minimum loan balance of $5,000 required. A minimum FICO score of 640 will be required for 90 days to first payment. Interest will accrue during the first 90 days. $90 will be deposited into your GMFCU savings account within 30 days of loan funding. Restrictions may apply. Offer may be modified or discontinued at any time.
As Low As; **
2015-2026
As Low As
2019-2026
As Low As; New or Used Vehicles
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As
As Low As*
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; 100% Financing with qualified credit
2022-2026
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
As Low As; New or Used Vehicles
As Low As*
As Low As; Used Vehicles
As Low As; $15,000 minimum
2023-2026
As Low As
As Low As; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.
NADA value over $10,000; Up to 100% NADA Retail
As Low As; New or Used Vehicles
As Low As; $20,000 minimum
As Low As
As Low As; Interest
As Low As; Used Vehicles
As Low As
As Low As; $15,000 minimum
As Low As*
As Low As
2025-2026 (President must approve)
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
2014 & older
As Low As; *
As Low As; $20,000 minimum
As Low As
As Low As
NADA value < $5,000; Up to 100% NADA Retail
As Low As; Used Vehicles
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.
Missouri new auto rates rose 0.177 points over the past 7 days to 5.483% APR.
Missouri used auto rates fell 0.107 points over the past 7 days to 6.097% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lake Ozark, 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 Ozark, 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 Ozark, 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.
Frequently Asked Questions about Auto Loans in Lake Ozark, Missouri
How does my credit score affect my car loan rate in Missouri?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Lake Ozark, Missouri?
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026* Loan)
- Americas Credit Union: 3.89% (Auto Loans)
- FRB Federal Credit Union: 3.99% (New Auto)
- PennTech Employees Federal Credit Union: 4.15% (New or Used Vehicles Loan)
- Burlington Northtown Community Credit Union: 4.24% (Auto Loans - New (2025 or Newer))
Lake Ozark, Missouri Rates & Resources
