Auto Loan Rates in Miller, Missouri (MO) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Miller, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Miller, Missouri include Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 1.66% offering New Vehicles 2025-2026* Loan at 3.74%, Americas Credit UnionAmericas Credit UnionA+5.0 ★Texas Ratio: 3.45% offering Auto Loans at 3.89%, Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 0.81% offering New Auto, Truck, SUV & Van at 3.99%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.73% offering New Auto at 3.99%, PennTech Employees Federal Credit UnionPennTech Employees Federal Credit UnionA5.0 ★Texas Ratio: 6.77% offering New or Used Vehicles Loan at 4.15%. Auto loan rates as of July 7, 2026 according to verified data from MonitorBankRates.
Miller borrowers have access to 28 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 Miller, Missouri. Auto Loan Rates Last Updated and Verified: July 7, 2026
Compare Auto Loan Rates Today in Miller, Missouri & Surrounding Area
Miller 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 UpdatedJun 16, 2026
Details
As Low As; *APR is the Annual Percentage Rate.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
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 UpdatedJun 16, 2026
Details
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 UpdatedJul 6, 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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.25%
48 months max term
▼
APR4.25%
Term48 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
As Low As; **
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 UpdatedJun 26, 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 UpdatedJul 7, 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 UpdatedJun 23, 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 UpdatedJun 23, 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 UpdatedJun 26, 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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.45%
Auto Loan
4.75%
63 Mo.
▼
APR4.75%
Term63 Mo.
Last UpdatedJun 16, 2026
Details
As Low As
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.75%
60 months max term
▼
APR4.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
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 UpdatedJul 7, 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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJun 23, 2026
Details
Loyalty Rate
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJun 16, 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 UpdatedJun 26, 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 UpdatedJun 16, 2026
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 UpdatedJun 16, 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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJul 6, 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 UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
APR5.00%
Term48 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.00%
72 months max term
▼
APR5.00%
Term72 months max term
Last UpdatedJun 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
2022-2026
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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.25%
84 months max term
▼
APR5.25%
Term84 months max term
Last UpdatedJun 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJun 16, 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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 4.846%
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 UpdatedJun 16, 2026
Details
As Low As; 2018-2024
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48 Months
▼
APR5.35%
Term1 - 48 Months
Last UpdatedJun 26, 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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
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 UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJun 23, 2026
Details
Rates as low as...
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedJun 26, 2026
Details
As Low As; *
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 UpdatedJul 6, 2026
Details
As Low As; Interest
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 UpdatedJul 7, 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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.075%
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 60 Months
▼
APR5.60%
Term49 - 60 Months
Last UpdatedJun 26, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedJun 26, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 6, 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 UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
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 UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
APR5.75%
Term36 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
5.75%
60 months max term
▼
APR5.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
NADA value over $10,000; Up to 100% NADA Retail
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.312%
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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 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 UpdatedJun 26, 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 UpdatedJun 16, 2026
Details
As Low As; 2014-2017
APR6.00%
Term48 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
6.00%
72 months max term
▼
APR6.00%
Term72 months max term
Last UpdatedJun 16, 2026
Details
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedJun 26, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 months
▼
APR6.00%
Term12 months
Last UpdatedJul 6, 2026
Details
As Low As; Interest
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.553%
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
6.09%
Up to 63 months
▼
APR6.09%
TermUp to 63 months
Last UpdatedJun 16, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.10%
61 - 72 Months
▼
APR6.10%
Term61 - 72 Months
Last UpdatedJun 26, 2026
Details
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 UpdatedJun 16, 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 UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
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 UpdatedJul 7, 2026
Details
As Low As; $25,000 min.
APR6.25%
Term60 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
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 UpdatedJun 23, 2026
Details
Rates as low as...
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJun 26, 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 UpdatedJul 6, 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 UpdatedJun 23, 2026
Details
Loyalty Rate
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
6.39%
64-72 months
▼
APR6.39%
Term64-72 months
Last UpdatedJun 16, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJun 26, 2026
Details
As Low As
APR6.50%
Term72 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJun 26, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84 Months
▼
APR6.60%
Term73 - 84 Months
Last UpdatedJun 26, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older) Loan
6.75%
60 months max term
▼
APR6.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
Up to 48 mo.
▼
APR6.75%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedJun 23, 2026
Details
Loyalty Rate: 6.298%
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedJun 16, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older & Above
6.99%
62 months
▼
APR6.99%
Term62 months
Last UpdatedJun 16, 2026
Details
$12,501; Base Rate (APR): 8.49%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Vintage Autos 1990 & Older - Loan
6.99%
26 months
▼
APR6.99%
Term26 months
Last UpdatedJun 16, 2026
Details
$0 - $5,000; Base Rate (APR): 8.49%
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedJun 23, 2026
Details
As Low As; *
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 8.5%
APR7.00%
Term24 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJun 26, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 mos.
▼
APR7.10%
Term72 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedJun 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
7.19%
73-84 months
▼
APR7.19%
Term73-84 months
Last UpdatedJun 16, 2026
Details
As Low As
APR7.25%
Term36 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.25%
1 - 48 Months
▼
APR7.25%
Term1 - 48 Months
Last UpdatedJun 26, 2026
Details
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 mos.
▼
APR7.35%
Term84 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.0%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedJun 16, 2026
Details
Over $30,000; Base Rate (APR): 9.0%
APR7.50%
Term48 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJun 26, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 3.75%
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.73%
2012 - 2016 Auto Loan
7.74%
12 - 48 months
▼
APR7.74%
Term12 - 48 months
Last UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
APR7.75%
Term60 months
Last UpdatedJun 16, 2026
Details
2018 and older
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
7.75%
Up to 36 mo.
▼
APR7.75%
TermUp to 36 mo.
Last UpdatedJul 7, 2026
Details
NADA value < $5,000; Up to 100% NADA Retail
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022
8.00%
50 months
▼
APR8.00%
Term50 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.5%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022 - Loan
8.00%
56 months
▼
APR8.00%
Term56 months
Last UpdatedJun 16, 2026
Details
Over $10,000; Base Rate (APR): 9.5%
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
Up to 72 mo.
▼
APR8.00%
TermUp to 72 mo.
Last UpdatedJun 23, 2026
Details
Starting as low as 8% APR
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 4.25%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020
8.25%
44 months
▼
APR8.25%
Term44 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.75%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
8.25%
72 Months
▼
APR8.25%
Term72 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 4.50%
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
8.49%
Up to 48 Months
▼
APR8.49%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020 - Loan
8.50%
50 months
▼
APR8.50%
Term50 months
Last UpdatedJun 16, 2026
Details
Over $10,000; Base Rate (APR): 10.0%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2023 & Older
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 4.75%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2023 & Older
8.75%
48 Months
▼
APR8.75%
Term48 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 5.00%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 6, 2026
Details
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2023 & Older
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 5.25%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 5.50%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2023 & Older
9.75%
72 Months
▼
APR9.75%
Term72 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 6.00%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
10.00%
4 YEAR REPAY
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2013 & Below
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2011-2017
11.00%
38 months
▼
APR11.00%
Term38 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 12.50%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2011-2017 - Loan
11.00%
44 months
▼
APR11.00%
Term44 months
Last UpdatedJun 16, 2026
Details
Over $15,000; Base Rate (APR): 12.50%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2010 & Older
13.75%
32 months
▼
APR13.75%
Term32 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 15.25%
Powered by
MonitorBankRates
Miller 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 UpdatedJun 16, 2026
Details
As Low As; *APR is the Annual Percentage Rate.
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 UpdatedJun 16, 2026
Details
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 UpdatedJul 6, 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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.25%
48 months max term
▼
APR4.25%
Term48 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
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 UpdatedJun 26, 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 UpdatedJul 7, 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 UpdatedJun 23, 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 UpdatedJun 23, 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 UpdatedJun 26, 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 UpdatedJun 16, 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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
4.75%
60 months max term
▼
APR4.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
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 UpdatedJul 7, 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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJun 23, 2026
Details
Loyalty Rate
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedJun 16, 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 UpdatedJun 26, 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 UpdatedJun 16, 2026
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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
As Low As; $5,000 min.
APR5.00%
Term48 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.00%
72 months max term
▼
APR5.00%
Term72 months max term
Last UpdatedJun 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
2022-2026
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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJun 16, 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 UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
As Low As; $10,000 min.
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
APR5.25%
Term60 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
New Vehicles Loan
5.25%
84 months max term
▼
APR5.25%
Term84 months max term
Last UpdatedJun 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJun 16, 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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 4.846%
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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
APR5.50%
Term72 months
Last UpdatedJun 16, 2026
Details
2026-2025
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJun 23, 2026
Details
Rates as low as...
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
New Auto
5.50%
Varies
▼
APR5.50%
TermVaries
Last UpdatedJun 26, 2026
Details
As Low As; *
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 UpdatedJul 6, 2026
Details
As Low As; Interest
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 UpdatedJul 7, 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 UpdatedJun 23, 2026
Details
Loyalty Rate
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.075%
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.68%
New Car Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 6, 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 UpdatedJul 7, 2026
Details
As Low As; $15,000 min.
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.312%
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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
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 UpdatedJun 16, 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 UpdatedJun 26, 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 UpdatedJun 23, 2026
Details
Loyalty Rate: 5.553%
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 UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
As Low As; $25,000 min.
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 UpdatedJun 23, 2026
Details
Loyalty Rate
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
New Vehicle Auto Loan
6.80%
84 Months
▼
APR6.80%
Term84 Months
Last UpdatedJun 23, 2026
Details
Loyalty Rate: 6.298%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
New Autos, 100% Financed
7.00%
up to 74 months
▼
APR7.00%
Termup to 74 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 8.5%
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.10%
72 mos.
▼
APR7.10%
Term72 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
New Auto Loan
7.35%
84 mos.
▼
APR7.35%
Term84 mos.
Last UpdatedJul 6, 2026
Details
As Low As; Interest
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
7.50%
36 Months
▼
APR7.50%
Term36 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 3.75%
KC Unidos Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
New Auto Loan
8.00%
Up to 72 mo.
▼
APR8.00%
TermUp to 72 mo.
Last UpdatedJun 23, 2026
Details
Starting as low as 8% APR
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 4.25%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
8.25%
72 Months
▼
APR8.25%
Term72 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 4.50%
MECE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Auto Loan 2024 & Newer
9.25%
84 Months
▼
APR9.25%
Term84 Months
Last UpdatedJul 7, 2026
Details
Rate with Maximum Discount*: 5.50%
Powered by
MonitorBankRates
Miller Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJul 7, 2026
Details
As Low As; See Auto Loan Rates
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 UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
2015-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.74%
1-36 Months
▼
APR4.74%
Term1-36 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
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 UpdatedJul 7, 2026
Details
2019-2026
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 UpdatedJun 16, 2026
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 UpdatedJun 16, 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 UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
4.99%
37-48 Months
▼
APR4.99%
Term37-48 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJul 6, 2026
Details
As Low As*
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.00%
60 months max term
▼
APR5.00%
Term60 months max term
Last UpdatedJun 16, 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 UpdatedJul 7, 2026
Details
2022-2026
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.24%
49-60 Months
▼
APR5.24%
Term49-60 Months
Last UpdatedJun 26, 2026
Details
As Low As
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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.25%
72 months max term
▼
APR5.25%
Term72 months max term
Last UpdatedJun 16, 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 UpdatedJul 6, 2026
Details
As Low As*
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 UpdatedJun 16, 2026
Details
As Low As; 2018-2024
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.35%
1 - 48 Months
▼
APR5.35%
Term1 - 48 Months
Last UpdatedJun 26, 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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
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 UpdatedJun 16, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2022 and Newer) Loan
5.50%
84 months max term
▼
APR5.50%
Term84 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
2023-2026
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
5.60%
49 - 60 Months
▼
APR5.60%
Term49 - 60 Months
Last UpdatedJun 26, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
5.64%
61-72 Months
▼
APR5.64%
Term61-72 Months
Last UpdatedJun 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 6, 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 UpdatedJun 16, 2026
Details
As Low As; 2025 to 2026
APR5.75%
Term36 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
5.75%
60 months max term
▼
APR5.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
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 UpdatedJul 7, 2026
Details
NADA value over $10,000; Up to 100% NADA Retail
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 UpdatedJun 16, 2026
Details
100% Financing with qualified credit
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
As Low As; 2014-2017
APR6.00%
Term48 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2021 to 2018) Loan
6.00%
72 months max term
▼
APR6.00%
Term72 months max term
Last UpdatedJun 16, 2026
Details
Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.98%
Used Auto
6.00%
Varies
▼
APR6.00%
TermVaries
Last UpdatedJun 26, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.92%
Used Auto Loan
6.00%
12 months
▼
APR6.00%
Term12 months
Last UpdatedJul 6, 2026
Details
As Low As; Interest
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
6.09%
Up to 63 months
▼
APR6.09%
TermUp to 63 months
Last UpdatedJun 16, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.10%
61 - 72 Months
▼
APR6.10%
Term61 - 72 Months
Last UpdatedJun 26, 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 UpdatedJun 16, 2026
Details
APR6.25%
Term60 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.25%
1 - 48 Months
▼
APR6.25%
Term1 - 48 Months
Last UpdatedJun 26, 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 UpdatedJul 6, 2026
Details
As Low As*
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
6.39%
64-72 months
▼
APR6.39%
Term64-72 months
Last UpdatedJun 16, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
Used Vehicle Loan
6.49%
73-84 Months
▼
APR6.49%
Term73-84 Months
Last UpdatedJun 26, 2026
Details
As Low As
APR6.50%
Term72 months
Last UpdatedJun 16, 2026
Details
2026 thru 2019
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.50%
49 - 60 Months
▼
APR6.50%
Term49 - 60 Months
Last UpdatedJun 26, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.50%
85 - 120 months
▼
APR6.50%
Term85 - 120 months
Last UpdatedJul 7, 2026
Details
2025-2026 (President must approve)
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
6.60%
73 - 84 Months
▼
APR6.60%
Term73 - 84 Months
Last UpdatedJun 26, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Used Vehicles (2017 and Older) Loan
6.75%
60 months max term
▼
APR6.75%
Term60 months max term
Last UpdatedJun 16, 2026
Details
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
6.75%
Up to 48 mo.
▼
APR6.75%
TermUp to 48 mo.
Last UpdatedJul 7, 2026
Details
NADA value of $5,000 - $9,999; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Auto
6.75%
Up to 36 months
▼
APR6.75%
TermUp to 36 months
Last UpdatedJul 7, 2026
Details
2014 & older
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
6.99%
76-84 months
▼
APR6.99%
Term76-84 months
Last UpdatedJun 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedJun 23, 2026
Details
As Low As; *
APR7.00%
Term24 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.00%
61 - 72 Months
▼
APR7.00%
Term61 - 72 Months
Last UpdatedJun 26, 2026
Details
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Older Used Auto (2017 and Older)
7.19%
36 to 60 months
▼
APR7.19%
Term36 to 60 months
Last UpdatedJun 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.42%
Used Auto
7.19%
73-84 months
▼
APR7.19%
Term73-84 months
Last UpdatedJun 16, 2026
Details
As Low As
APR7.25%
Term36 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.25%
1 - 48 Months
▼
APR7.25%
Term1 - 48 Months
Last UpdatedJun 26, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Used Vehicle Loan
7.49%
Up to 48 months
▼
APR7.49%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025
7.50%
62 months
▼
APR7.50%
Term62 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.0%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2023-2025 - Loan
7.50%
68 months
▼
APR7.50%
Term68 months
Last UpdatedJun 16, 2026
Details
Over $30,000; Base Rate (APR): 9.0%
APR7.50%
Term48 months
Last UpdatedJun 16, 2026
Details
2018 and older
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
Used Vehicle Loan
7.50%
73 - 84 Months
▼
APR7.50%
Term73 - 84 Months
Last UpdatedJun 26, 2026
Details
APR7.75%
Term60 months
Last UpdatedJun 16, 2026
Details
2018 and older
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
Used Auto
7.75%
Up to 36 mo.
▼
APR7.75%
TermUp to 36 mo.
Last UpdatedJul 7, 2026
Details
NADA value < $5,000; Up to 100% NADA Retail
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022
8.00%
50 months
▼
APR8.00%
Term50 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.5%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2021-2022 - Loan
8.00%
56 months
▼
APR8.00%
Term56 months
Last UpdatedJun 16, 2026
Details
Over $10,000; Base Rate (APR): 9.5%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020
8.25%
44 months
▼
APR8.25%
Term44 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 9.75%
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Used Autos
8.49%
Up to 48 Months
▼
APR8.49%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Reflects AutoPay .25% deduction
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2018-2020 - Loan
8.50%
50 months
▼
APR8.50%
Term50 months
Last UpdatedJun 16, 2026
Details
Over $10,000; Base Rate (APR): 10.0%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.77%
Used Vehicles Loan
10.00%
4 YEAR REPAY
▼
APR10.00%
Term4 YEAR REPAY
Last UpdatedJun 16, 2026
Details
As Low As; 2013 & Below
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2011-2017
11.00%
38 months
▼
APR11.00%
Term38 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 12.50%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2011-2017 - Loan
11.00%
44 months
▼
APR11.00%
Term44 months
Last UpdatedJun 16, 2026
Details
Over $15,000; Base Rate (APR): 12.50%
Northwest Missouri Regional Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.66%
Used Autos, 2010 & Older
13.75%
32 months
▼
APR13.75%
Term32 months
Last UpdatedJun 16, 2026
Details
Base Rate (APR): 15.25%
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MonitorBankRates
Miller, MO Auto Loan Rate Trends
Compare local Miller, MO auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — MO Avg
5.310%
▲ 0.003 vs 7 days ago
Missouri new auto rates rose 0.003 points over the past 7 days to 5.310% APR.
Used Auto Loan — MO Avg
6.207%
▲ 0.004 vs 7 days ago
Missouri used auto rates rose 0.004 points over the past 7 days to 6.207% APR.
As of Jul 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Miller, 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 Miller, 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 Miller, 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 Miller, 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 Miller, 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 Miller, Missouri typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Miller, Missouri?
Based on our current data, some of the lowest auto loan rates available in Miller, Missouri include:
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026* Loan)
- Americas Credit Union: 3.89% (Auto Loans)
- Century Credit Union: 3.99% (New Auto, Truck, SUV & Van)
- FRB Federal Credit Union: 3.99% (New Auto)
- PennTech Employees Federal Credit Union: 4.15% (New or Used Vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Miller, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 7, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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