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    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Lake Ozark, Missouri Best Auto Loan Rates - August 2026

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%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.73% offering New Auto at 3.99%, R-G Federal Credit UnionR-G Federal Credit UnionA+5.0 ★Texas Ratio: 3.38% offering New Vehicle loan at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit UnionA5.0 ★Texas Ratio: 11.20% offering New/Used Auto Loans at 3.99%, Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 0.81% offering New Auto, Truck, SUV & Van at 3.99%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Lake Ozark borrowers have access to 50 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: August 28, 2026

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

Lake Ozark Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
APR3.74%
TermUp To 7 Years
Last UpdatedAug 28, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
New Vehicle loan
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
3.99%
30 months
APR3.99%
Term30 months
Last UpdatedAug 28, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
3.99%
66 months
APR3.99%
Term66 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024-2026 (New or Used)

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
APR4.10%
Term84 months
Last UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

2026 & Newer

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
APR4.15%
Term3 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.24%
42 months
APR4.24%
Term42 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 months
APR4.24%
Term24 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.24%
36 Months
APR4.24%
Term36 Months
Last UpdatedAug 28, 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: 10.45%
Used Auto
4.24%
36 Months
APR4.24%
Term36 Months
Last UpdatedAug 28, 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.

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
APR4.25%
Term4 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Autos
4.25%
Up to 96 Months
APR4.25%
TermUp to 96 Months
Last UpdatedAug 28, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
APR4.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details

As Low As*

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Auto Loan
4.30%
36 Month
APR4.30%
Term36 Month
Last UpdatedAug 28, 2026
Details

As Low As

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.39%
60 month
APR4.39%
Term60 month
Last UpdatedAug 28, 2026
Details

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

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

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.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.49%
54 months
APR4.49%
Term54 months
Last UpdatedAug 28, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
Auto Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Payment Example

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedAug 28, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loan
4.49%
Up to 84 month terms
APR4.49%
TermUp to 84 month terms
Last UpdatedAug 28, 2026
Details

As low as; NEW 2025-2026

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.49%
63 Months
APR4.49%
Term63 Months
Last UpdatedAug 28, 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: 10.45%
Used Auto
4.49%
63 Months
APR4.49%
Term63 Months
Last UpdatedAug 28, 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.

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
APR4.49%
TermUp To 6 Years
Last UpdatedAug 28, 2026
Details

As Low As; **APR is the Annual Percentage Rate.

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.49%
1-36 Months
APR4.49%
Term1-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
APR4.50%
TermUp to 42 months
Last UpdatedAug 28, 2026
Details

2015-2026

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Auto Loan
4.55%
48 Month
APR4.55%
Term48 Month
Last UpdatedAug 28, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos
4.59%
60 months
APR4.59%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; No Payment for 90 Days!

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
APR4.59%
Term3-7 year term
Last UpdatedAug 28, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.59%
37-48 Months
APR4.59%
Term37-48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
APR4.60%
Term84 months
Last UpdatedAug 28, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.74%
66 months
APR4.74%
Term66 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
APR4.75%
Term5 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Vehicle Loans
4.75%
For loans $30,000 + will lend up to 84 Months.
APR4.75%
TermFor loans $30,000 + will lend up to 84 Months.
Last UpdatedAug 28, 2026
Details

2026 - 2023 Model Years. Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
Up to 72 mo.
APR4.75%
TermUp to 72 mo.
Last UpdatedAug 28, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
APR4.75%
Term43 - 66 months
Last UpdatedAug 28, 2026
Details

2019-2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
APR4.79%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As*

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Auto Loan
4.80%
60 Month
APR4.80%
Term60 Month
Last UpdatedAug 28, 2026
Details

As Low As

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
APR4.84%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; 2019-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
4.85%
36 Months
APR4.85%
Term36 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
APR4.89%
Term37 to 48 months
Last UpdatedAug 28, 2026
Details

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.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.89%
48 months
APR4.89%
Term48 months
Last UpdatedAug 28, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.89%
49-60 Months
APR4.89%
Term49-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
New and Used Cars Loan
4.89%
84 months
APR4.89%
Term84 months
Last UpdatedAug 28, 2026
Details

Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.89%
72 month
APR4.89%
Term72 month
Last UpdatedAug 28, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
4.90%
36 Months
APR4.90%
Term36 Months
Last UpdatedAug 28, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
APR4.99%
Term0-12 months
Last UpdatedAug 28, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
APR4.99%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details

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.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
APR4.99%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 months
APR4.99%
Term24 months
Last UpdatedAug 28, 2026
Details

TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loan
4.99%
Up to 84 month terms
APR4.99%
TermUp to 84 month terms
Last UpdatedAug 28, 2026
Details

As low as; Pre-Owned 2022-2024

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.99%
75 Months
APR4.99%
Term75 Months
Last UpdatedAug 28, 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.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
4.99%
78 months
APR4.99%
Term78 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024-2026 (New or Used)

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
4.99%
48-60 months
APR4.99%
Term48-60 months
Last UpdatedAug 28, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
4.99%
48-60 months
APR4.99%
Term48-60 months
Last UpdatedAug 28, 2026
Details

As Low As

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
4.99%
12 - 48 months
APR4.99%
Term12 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $5,000

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.00%
48 months
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
APR5.00%
Term67 - 72 months
Last UpdatedAug 28, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
APR5.05%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Auto Loan
5.05%
72 Month
APR5.05%
Term72 Month
Last UpdatedAug 28, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.08%
48 Months
APR5.08%
Term48 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

2023 - 2025*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2023 - 2025
5.14%
0 - 75 Months
APR5.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
5.14%
76 - 84 Months
APR5.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.19%
61-72 Months
APR5.19%
Term61-72 Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.24%
48 Months
APR5.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.24%
48 months
APR5.24%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
APR5.24%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details

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.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.24%
78 months
APR5.24%
Term78 months
Last UpdatedAug 28, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 months
APR5.24%
Term36 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto
5.24%
75 Months
APR5.24%
Term75 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto > 7 Years
5.24%
36 Months
APR5.24%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
5.24%
66 months
APR5.24%
Term66 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $10,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
APR5.25%
Term6 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.25%
60 months
APR5.25%
Term60 months
Last UpdatedAug 28, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
APR5.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details

As Low As*

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.30%
1 - 48 Months
APR5.30%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.31%
60 Months
APR5.31%
Term60 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.34%
72 Months
APR5.34%
Term72 Months
Last UpdatedAug 28, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.35%
36 Months
APR5.35%
Term36 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
5.35%
6 YEAR REPAY
APR5.35%
Term6 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; Used Vehicles

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.40%
42 months
APR5.40%
Term42 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024-2026 (New or Used)

First Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Used Vehicles Loan
5.47%
2 years
APR5.47%
Term2 years
Last UpdatedAug 28, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
APR5.49%
Term72-75 months
Last UpdatedAug 28, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Loan amount greater than $20k

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
5.49%
12 - 48 months
APR5.49%
Term12 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $5,000

Exchange Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 0.59%
Auto Loans
5.50%
48 monthly payments
APR5.50%
Term48 monthly payments
Last UpdatedAug 28, 2026
Details

Example based upon $50,000 loan on 2026 model year vehicle with 48 monthly payments and excellent credit (760+) approved by Exchange Bank & Trust. Higher rates apply for borrowers with lower credit scores and vehicles of model years older than 2023. Subject to credit approval. Contact us for details.

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
5.50%
12 mos.
APR5.50%
Term12 mos.
Last UpdatedAug 28, 2026
Details

As low as

Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto Loan
5.50%
96 months
APR5.50%
Term96 months
Last UpdatedAug 28, 2026
Details

Rates as low as...; New- 2025 - 2027 model

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
APR5.50%
TermVaries
Last UpdatedAug 28, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.50%
72 months
APR5.50%
Term72 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
5.50%
61-72 months
APR5.50%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
5.50%
61-72 months
APR5.50%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
APR5.50%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

2023-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.55%
72 Months
APR5.55%
Term72 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
APR5.58%
Term48 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 36 Months
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details

2016 - 2026

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.69%
48 Months
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 48 Months
5.69%
48 Months
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details

2018 - 2026

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.74%
60 Months
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 60 Months
5.74%
60 Months
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

2022 - 2026

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
APR5.74%
Term73 to 84 months
Last UpdatedAug 28, 2026
Details

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.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicle Loan (2015-2017 Vehicles)
5.74%
48 months
APR5.74%
Term48 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
5.74%
Up to 60 months
APR5.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $10,000

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.74%
Up to 72 months
APR5.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $15,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
APR5.75%
Term7 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Recreation Vehicle loan
5.75%
60 Months
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.75%
up to 48 months
APR5.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

NO MINIMUM

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
5.75%
36 months
APR5.75%
Term36 months
Last UpdatedAug 28, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedAug 28, 2026
Details

Interest rates are based on individual credit scores and are subject to change.

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedAug 28, 2026
Details

2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
Up to 60 mo.
APR5.75%
TermUp to 60 mo.
Last UpdatedAug 28, 2026
Details

As Low As; NADA value over $10,000; Up to 100% NADA Retail

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.79%
72 Months
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 72 Months
5.79%
72 Months
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details

2023 - 2026

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.80%
61 - 72 Months
APR5.80%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.81%
60 Months
APR5.81%
Term60 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.95%
52 months
APR5.95%
Term52 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024-2026 (New or Used)

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
APR5.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

$20,000 minimum

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
5.99%
Up to 63 months
APR5.99%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

2018-2021 Model Years

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
APR5.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.99%
73-84 Months
APR5.99%
Term73-84 Months
Last UpdatedAug 28, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicle Loan (2015-2017 Vehicles)
5.99%
66 months
APR5.99%
Term66 months
Last UpdatedAug 28, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
5.99%
78 months
APR5.99%
Term78 months
Last UpdatedAug 28, 2026
Details

Model Year: 2022-2023

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 mos.
APR6.00%
Term12 mos.
Last UpdatedAug 28, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
6.00%
5 YEAR REPAY
APR6.00%
Term5 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; Used Vehicles

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
APR6.00%
TermVaries
Last UpdatedAug 28, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
6.00%
48 months
APR6.00%
Term48 months
Last UpdatedAug 28, 2026
Details

South Central Missouri Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
Auto Loan
6.00%
60 months - Model years 2026 - 2021
APR6.00%
Term60 months - Model years 2026 - 2021
Last UpdatedAug 28, 2026
Details

Credit score 750+; Borrow up to 100% of NADA clean retail.

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.05%
72 Months
APR6.05%
Term72 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) - Up to 63 months
6.09%
Up to 63 months
APR6.09%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As Low As

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
New vehicles Loan
6.13%
60 months
APR6.13%
Term60 months
Last UpdatedAug 28, 2026
Details

Origination fee: $100. No payment for first 90 days of loan.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
APR6.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
6.14%
76 - 84 Months
APR6.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

2023 - 2025*

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2023 - 2025
6.14%
76 - 84 Months
APR6.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.20%
1 - 48 Months
APR6.20%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.20%
1 - 48 Months
APR6.20%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.22%
48 months
APR6.22%
Term48 months
Last UpdatedAug 28, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
6.24%
84 Months
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Other (RV, Older Vehicles, ATV, etc.) Loan
6.24%
up to 60 Mos
APR6.24%
Termup to 60 Mos
Last UpdatedAug 28, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.24%
72-75 months
APR6.24%
Term72-75 months
Last UpdatedAug 28, 2026
Details

2018-2021 Model Years; $15,000 minimum

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 months
APR6.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Loan amount greater than $20k

TelComm Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.84%
Auto Loan
6.24%
Up to 84 month terms
APR6.24%
TermUp to 84 month terms
Last UpdatedAug 28, 2026
Details

As low as; Pre-Owned 2016-2021

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
6.24%
78 months
APR6.24%
Term78 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2017 - 2021 Auto Loan
6.24%
Up to 72 months
APR6.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $15,000

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
6.24%
Up to 84 months
APR6.24%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $25,000

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto Loan
6.25%
48-72 months
APR6.25%
Term48-72 months
Last UpdatedAug 28, 2026
Details

As Low As; Loans are currently only available to borrowers in the Kansas City metro area.

Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Preowned Auto Loan
6.25%
96 months
APR6.25%
Term96 months
Last UpdatedAug 28, 2026
Details

Rates as low as...; Preowned- 2016 - 2026 model

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
6.25%
up to 60 months
APR6.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$10,000 MINIMUM

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
6.25%
60 months
APR6.25%
Term60 months
Last UpdatedAug 28, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Auto Loan
6.25%
42 months
APR6.25%
Term42 months
Last UpdatedAug 28, 2026
Details

Model Year: 2022-2023

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
61-72 months
APR6.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As*

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.30%
84 Months
APR6.30%
Term84 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.30%
73 - 84 Months
APR6.30%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.34%
36 months
APR6.34%
Term36 months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.39%
60 months
APR6.39%
Term60 months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles Loan
6.39%
60 months
APR6.39%
Term60 months
Last UpdatedAug 28, 2026
Details

Finance 90% of purchase price or NADA Retail Value, whichever is less. Origination fee: $100. No payment for first 90 days of loan.

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) - 64-72 months
6.39%
72 Months
APR6.39%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
6.49%
84 Months
APR6.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Minimum $35,000

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
APR6.49%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
6.49%
36 months
APR6.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 2 APR* (680-729)

Lake Ozark New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
APR3.74%
TermUp To 7 Years
Last UpdatedAug 28, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
3.99%
Up to 36 months
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

R-G Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
New Vehicle loan
3.99%
36 Months
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
3.99%
30 months
APR3.99%
Term30 months
Last UpdatedAug 28, 2026
Details

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
APR4.10%
Term84 months
Last UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details

As low as

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
APR4.15%
Term3 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.24%
42 months
APR4.24%
Term42 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.24%
24 months
APR4.24%
Term24 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.24%
36 Months
APR4.24%
Term36 Months
Last UpdatedAug 28, 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.

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
APR4.25%
Term4 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.29%
37-48 months
APR4.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details

As Low As*

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.39%
60 month
APR4.39%
Term60 month
Last UpdatedAug 28, 2026
Details

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

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.49%
36 Months
APR4.49%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

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.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.49%
54 months
APR4.49%
Term54 months
Last UpdatedAug 28, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.49%
36 months
APR4.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.49%
63 Months
APR4.49%
Term63 Months
Last UpdatedAug 28, 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.

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.49%
1-36 Months
APR4.49%
Term1-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
APR4.50%
TermUp to 42 months
Last UpdatedAug 28, 2026
Details

2015-2026

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos
4.59%
60 months
APR4.59%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As; No Payment for 90 Days!

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
New Autos, SUVs, Trucks, Vans
4.59%
3-7 year term
APR4.59%
Term3-7 year term
Last UpdatedAug 28, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.59%
37-48 Months
APR4.59%
Term37-48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
4.64%
Up to 63 Months
APR4.64%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
4.74%
66 months
APR4.74%
Term66 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
4.74%
48 months
APR4.74%
Term48 months
Last UpdatedAug 28, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
APR4.75%
Term5 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
New Auto
4.75%
Up to 72 mo.
APR4.75%
TermUp to 72 mo.
Last UpdatedAug 28, 2026
Details

As Low As; Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
APR4.75%
Term43 - 66 months
Last UpdatedAug 28, 2026
Details

2019-2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
New Auto
4.79%
61-72 months
APR4.79%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As*

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
APR4.84%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; 2019-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
4.85%
36 Months
APR4.85%
Term36 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
APR4.89%
Term37 to 48 months
Last UpdatedAug 28, 2026
Details

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.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.89%
48 months
APR4.89%
Term48 months
Last UpdatedAug 28, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
4.89%
49-60 Months
APR4.89%
Term49-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
New and Used Cars Loan
4.89%
84 months
APR4.89%
Term84 months
Last UpdatedAug 28, 2026
Details

Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.89%
72 month
APR4.89%
Term72 month
Last UpdatedAug 28, 2026
Details

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

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
APR4.99%
Term0-12 months
Last UpdatedAug 28, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
4.99%
48 Months
APR4.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
APR4.99%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details

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.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
APR4.99%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

100% Financing with qualified credit

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
New Auto
4.99%
75 Months
APR4.99%
Term75 Months
Last UpdatedAug 28, 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.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
4.99%
60 months
APR4.99%
Term60 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
4.99%
48-60 months
APR4.99%
Term48-60 months
Last UpdatedAug 28, 2026
Details

As Low As

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
4.99%
12 - 48 months
APR4.99%
Term12 - 48 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $5,000

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.00%
48 months
APR5.00%
Term48 months
Last UpdatedAug 28, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
APR5.00%
Term67 - 72 months
Last UpdatedAug 28, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
5.05%
66 Months
APR5.05%
Term66 Months
Last UpdatedAug 28, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.08%
48 Months
APR5.08%
Term48 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
5.14%
Up to 75 Months
APR5.14%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
5.14%
76 - 84 Months
APR5.14%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

As low as

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.19%
61-72 Months
APR5.19%
Term61-72 Months
Last UpdatedAug 28, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.24%
48 months
APR5.24%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
APR5.24%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details

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.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.24%
78 months
APR5.24%
Term78 months
Last UpdatedAug 28, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.24%
72 months
APR5.24%
Term72 months
Last UpdatedAug 28, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
5.24%
66 months
APR5.24%
Term66 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.24%
Up to 60 months
APR5.24%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $10,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
APR5.25%
Term6 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.25%
60 months
APR5.25%
Term60 months
Last UpdatedAug 28, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.31%
60 Months
APR5.31%
Term60 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.35%
36 Months
APR5.35%
Term36 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
APR5.49%
Term72-75 months
Last UpdatedAug 28, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - New (2025 or Newer)
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

Loan amount greater than $20k

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
5.49%
72 months
APR5.49%
Term72 months
Last UpdatedAug 28, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
5.50%
12 mos.
APR5.50%
Term12 mos.
Last UpdatedAug 28, 2026
Details

As low as

Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
New Auto Loan
5.50%
96 months
APR5.50%
Term96 months
Last UpdatedAug 28, 2026
Details

Rates as low as...; New- 2025 - 2027 model

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
APR5.50%
TermVaries
Last UpdatedAug 28, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New Auto
5.50%
72 months
APR5.50%
Term72 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
New Auto Loans
5.50%
61-72 months
APR5.50%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
APR5.50%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

2023-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.55%
72 Months
APR5.55%
Term72 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.58%
48 Months
APR5.58%
Term48 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.69%
48 Months
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details

As low as

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.74%
60 Months
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

As low as

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
APR5.74%
Term73 to 84 months
Last UpdatedAug 28, 2026
Details

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.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.74%
84 months
APR5.74%
Term84 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
5.74%
Up to 72 months
APR5.74%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $15,000

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
APR5.75%
Term7 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Recreation Vehicle loan
5.75%
60 Months
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
5.75%
up to 48 months
APR5.75%
Termup to 48 months
Last UpdatedAug 28, 2026
Details

NO MINIMUM

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
New Auto Loan
5.79%
72 Months
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details

As low as

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
5.81%
60 Months
APR5.81%
Term60 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car purchase Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
New car rate Loan
5.94%
60 months
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
APR5.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

$20,000 minimum

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New Auto, Truck, SUV & Van
5.99%
84 months
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
New Vehicle Loan
5.99%
73-84 Months
APR5.99%
Term73-84 Months
Last UpdatedAug 28, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.05%
72 Months
APR6.05%
Term72 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
New vehicles Loan
6.13%
60 months
APR6.13%
Term60 months
Last UpdatedAug 28, 2026
Details

Origination fee: $100. No payment for first 90 days of loan.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
New Auto
6.14%
Up to 84 Months
APR6.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
New Cars & Trucks Loan
6.24%
84 Months
APR6.24%
Term84 Months
Last UpdatedAug 28, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
Vehicles - 2018 and Newer Loan
6.24%
78 months
APR6.24%
Term78 months
Last UpdatedAug 28, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2022 - New Auto Loan
6.24%
Up to 84 months
APR6.24%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

As Low As; Minimum $25,000

NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
New Auto Loan
6.25%
48-72 months
APR6.25%
Term48-72 months
Last UpdatedAug 28, 2026
Details

As Low As; Loans are currently only available to borrowers in the Kansas City metro area.

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto
6.25%
up to 60 months
APR6.25%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

$10,000 MINIMUM

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.30%
84 Months
APR6.30%
Term84 Months
Last UpdatedAug 28, 2026
Details

Loyalty Rate; New Vehicle; Rates as of: 7/23/25

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
6.49%
36 months
APR6.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 2 APR* (680-729)

Lake Ozark Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
3.99%
36 months
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
APR4.15%
Term3 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto
4.24%
36 Months
APR4.24%
Term36 Months
Last UpdatedAug 28, 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.

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
APR4.25%
Term4 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.39%
60 month
APR4.39%
Term60 month
Last UpdatedAug 28, 2026
Details

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

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
APR4.40%
Term60-Months
Last UpdatedAug 28, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.49%
Up to 36 months
APR4.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

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.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto
4.49%
63 Months
APR4.49%
Term63 Months
Last UpdatedAug 28, 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.

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.66%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
APR4.49%
TermUp To 6 Years
Last UpdatedAug 28, 2026
Details

As Low As; **APR is the Annual Percentage Rate.

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.50%
Up to 42 months
APR4.50%
TermUp to 42 months
Last UpdatedAug 28, 2026
Details

2015-2026

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
APR4.60%
Term84 months
Last UpdatedAug 28, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
APR4.75%
Term5 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
4.75%
36 months
APR4.75%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
4.75%
43 - 66 months
APR4.75%
Term43 - 66 months
Last UpdatedAug 28, 2026
Details

2019-2026

City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
New & Used Autos
4.84%
Up to 72 months
APR4.84%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

As Low As; 2019-2026

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.89%
37 to 48 months
APR4.89%
Term37 to 48 months
Last UpdatedAug 28, 2026
Details

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.

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
New and Used Cars Loan
4.89%
84 months
APR4.89%
Term84 months
Last UpdatedAug 28, 2026
Details

Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Advertised rates and terms are subject to change at any time without notice. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26. Advertised rates and terms are subject to change at any time without notice.

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New and Pre-Owned Auto Loan
4.89%
72 month
APR4.89%
Term72 month
Last UpdatedAug 28, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
4.90%
36 Months
APR4.90%
Term36 Months
Last UpdatedAug 28, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
4.99%
Up to 36 months
APR4.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As*

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Autos & Trucks (new and used)
4.99%
0-12 months
APR4.99%
Term0-12 months
Last UpdatedAug 28, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
4.99%
49 to 60 months
APR4.99%
Term49 to 60 months
Last UpdatedAug 28, 2026
Details

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.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
4.99%
Up to 63 months
APR4.99%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
4.99%
Up to 63 Months
APR4.99%
TermUp to 63 Months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 months
APR4.99%
Term24 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
4.99%
48-60 months
APR4.99%
Term48-60 months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.00%
67 - 72 months
APR5.00%
Term67 - 72 months
Last UpdatedAug 28, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.24%
48 Months
APR5.24%
Term48 Months
Last UpdatedAug 28, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.24%
48 months
APR5.24%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.24%
61 to 72 months
APR5.24%
Term61 to 72 months
Last UpdatedAug 28, 2026
Details

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.

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 months
APR5.24%
Term36 months
Last UpdatedAug 28, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto
5.24%
75 Months
APR5.24%
Term75 Months
Last UpdatedAug 28, 2026
Details

As Low As; 2020-2023 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Used Auto > 7 Years
5.24%
36 Months
APR5.24%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
APR5.25%
Term6 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
5.29%
37-48 months
APR5.29%
Term37-48 months
Last UpdatedAug 28, 2026
Details

As Low As*

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.30%
1 - 48 Months
APR5.30%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
5.34%
72 Months
APR5.34%
Term72 Months
Last UpdatedAug 28, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
5.35%
6 YEAR REPAY
APR5.35%
Term6 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; Used Vehicles

First Independent Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Used Vehicles Loan
5.47%
2 years
APR5.47%
Term2 years
Last UpdatedAug 28, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.49%
72-75 months
APR5.49%
Term72-75 months
Last UpdatedAug 28, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
APR5.49%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
APR5.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
5.49%
Up to 75 Months
APR5.49%
TermUp to 75 Months
Last UpdatedAug 28, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 months
APR5.49%
Term48 months
Last UpdatedAug 28, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Used Auto Loans
5.50%
61-72 months
APR5.50%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
5.50%
73 - 84 months
APR5.50%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details

2023-2026

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 36 Months
5.64%
36 Months
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details

2016 - 2026

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 48 Months
5.69%
48 Months
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details

2018 - 2026

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 60 Months
5.74%
60 Months
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details

2022 - 2026

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New And Used Vehicle Loans
5.74%
73 to 84 months
APR5.74%
Term73 to 84 months
Last UpdatedAug 28, 2026
Details

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.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 months
APR5.74%
Term60 months
Last UpdatedAug 28, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
APR5.75%
Term7 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; New or Used Vehicles

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New or Used Recreation Vehicle loan
5.75%
60 Months
APR5.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
5.75%
36 months
APR5.75%
Term36 months
Last UpdatedAug 28, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedAug 28, 2026
Details

Interest rates are based on individual credit scores and are subject to change.

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedAug 28, 2026
Details

2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change.

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
5.75%
Up to 60 mo.
APR5.75%
TermUp to 60 mo.
Last UpdatedAug 28, 2026
Details

As Low As; NADA value over $10,000; Up to 100% NADA Retail

BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
Used Auto Loan - 72 Months
5.79%
72 Months
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details

2023 - 2026

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.80%
61 - 72 Months
APR5.80%
Term61 - 72 Months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car purchase Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
Used car rate Loan
5.99%
60 months
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.20%
New/Used Auto Loans
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
New & Used Vehicle Loan
5.99%
76-84 months
APR5.99%
Term76-84 months
Last UpdatedAug 28, 2026
Details

$20,000 minimum

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
5.99%
Up to 63 months
APR5.99%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

2018-2021 Model Years

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
APR5.99%
Term72 months
Last UpdatedAug 28, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto (2018 or older)
5.99%
Up to 60 Months
APR5.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 mos.
APR6.00%
Term12 mos.
Last UpdatedAug 28, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
6.00%
5 YEAR REPAY
APR6.00%
Term5 YEAR REPAY
Last UpdatedAug 28, 2026
Details

As Low As; Used Vehicles

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
APR6.00%
TermVaries
Last UpdatedAug 28, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
6.00%
48 months
APR6.00%
Term48 months
Last UpdatedAug 28, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) - Up to 63 months
6.09%
Up to 63 months
APR6.09%
TermUp to 63 months
Last UpdatedAug 28, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2020 - 2022 Used Vehicle Loan
6.20%
1 - 48 Months
APR6.20%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.20%
1 - 48 Months
APR6.20%
Term1 - 48 Months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.22%
48 months
APR6.22%
Term48 months
Last UpdatedAug 28, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.24%
72-75 months
APR6.24%
Term72-75 months
Last UpdatedAug 28, 2026
Details

2018-2021 Model Years; $15,000 minimum

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 months
APR6.24%
Term72 months
Last UpdatedAug 28, 2026
Details

Loan amount greater than $20k

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
Used Auto
6.25%
60 months
APR6.25%
Term60 months
Last UpdatedAug 28, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.73%
Used Auto
6.29%
61-72 months
APR6.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details

As Low As*

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.30%
73 - 84 Months
APR6.30%
Term73 - 84 Months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.34%
36 months
APR6.34%
Term36 months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.39%
60 months
APR6.39%
Term60 months
Last UpdatedAug 28, 2026
Details

St. Johns B&T Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
Used Vehicles Loan
6.39%
60 months
APR6.39%
Term60 months
Last UpdatedAug 28, 2026
Details

Finance 90% of purchase price or NADA Retail Value, whichever is less. Origination fee: $100. No payment for first 90 days of loan.

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto (2018-2024) - 64-72 months
6.39%
72 Months
APR6.39%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Used Cars & Trucks Loan
6.49%
84 Months
APR6.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Minimum $35,000

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
APR6.49%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.92%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
6.49%
36 months
APR6.49%
Term36 months
Last UpdatedAug 28, 2026
Details

Level 2 APR* (680-729)

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.

View Full Missouri Auto Trends →
New Auto Loan — MO Avg
5.471%
▲ 0.053 vs 7 days ago

Missouri new auto rates rose 0.053 points over the past 7 days to 5.471% APR.

Used Auto Loan — MO Avg
6.263%
▼ 0.006 vs 7 days ago

Missouri used auto rates fell 0.006 points over the past 7 days to 6.263% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Missouri APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.47% APR
MO average
Used Auto @ 6.26% APR
MO average
Monthly Difference
$15,000 $286.31/mo $291.83/mo $5.51/mo
$25,000 $477.19/mo $486.38/mo $9.19/mo
$35,000 $668.07/mo $680.93/mo $12.86/mo
$45,000 $858.94/mo $875.48/mo $16.54/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

About Our Lake Ozark, Missouri Auto Loan Rate Database

50 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Lake Ozark, Missouri auto loan tables currently track 50 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Lake Ozark, Missouri database right now is 3.74% APR from Mercy Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

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

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Lake Ozark, Missouri locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Missouri. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

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

Lake Ozark, Missouri Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau

$40,891
Median Individual Earnings
National avg: $47,340
4.3%
Unemployment Rate
National avg: 4.8%
18.6%
Poverty Rate
National avg: 11.1%
$573/mo
Payment on a $30K / 60-mo Loan
At MO new-auto avg 5.47% APR

A $573 monthly car payment works out to roughly 16.8% of the median individual income in Lake Ozark, Missouri. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Lake Ozark, Missouri — but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level Often lowest Competitive Varies — can be marked up Highest (unsecured)
Rate Locked Before You Shop Yes, via preapproval Yes, via preapproval Arranged at the dealership Yes
Membership / Relationship Required Membership (usually easy) No No No
Works for Private-Party Sales Usually Sometimes No Yes
Convenience at Purchase Preapproval step first Preapproval step first One-stop at the dealer Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Lake Ozark, Missouri. We’ve prefilled the APR with today’s MO new-auto average — or click any current rate on the right to apply it instantly.

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

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Lake 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?

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.

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

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

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

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

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

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

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:
  • Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • R-G Federal Credit Union: 3.99% (New Vehicle loan)
  • Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
  • Century Credit Union: 3.99% (New Auto, Truck, SUV & Van)
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: August 28, 2026

Lake Ozark, Missouri Rates & Resources