MonitorBankRates
☰
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Missouri
  6. ›
  7. Saint Louis
  8. iAdvertiser Disclosure
    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.

Auto Loan Rates in Saint Louis, Missouri (MO) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Saint Louis, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 7, 2026

Current auto loan rates in Saint Louis, Missouri include Mercy Credit UnionMercy Credit Union621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235A+5.0 ★Texas Ratio: 1.69% offering NEW VEHICLES at 3.74%, County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.78% offering Auto Loan at 3.99%, FRB Federal Credit UnionFRB Federal Credit UnionFEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102A5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, Arsenal Credit UnionArsenal Credit Union8651 Watson Rd, Saint Louis, MO, 63119B4.6 ★Texas Ratio: 19.76% offering New Car: 2025-2027 Models at 4.49%, Gateway Metro Federal Credit UnionGateway Metro Federal Credit Union1001 Pine St, Saint Louis, MO, 63101A5.0 ★Texas Ratio: 10.30% offering New And Used Vehicle Loans - Up to 36 months at 4.49%. Auto loan rates as of May 7, 2026 according to verified data from MonitorBankRates.

Saint Louis has 8 local institutions in our database, with auto loan rates as low as 3.74% APR from Mercy Credit Union at 621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235. 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 Saint Louis, Missouri. Auto Loan Rates Last Updated and Verified: May 7, 2026

Compare Auto Loan Rates Today in Saint Louis, Missouri & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
3.99%
66 Months
View
▼
APR3.99%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
78 Months
View
▼
APR4.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.40%
42 Months
View
▼
APR5.40%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1805 Craigshire Dr, Saint Louis, MO, 63146
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.95%
52 Months
View
▼
APR5.95%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.99%
78 Months
View
▼
APR5.99%
Term78 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
6.25%
42 Months
View
▼
APR6.25%
Term42 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
6.39%
64-72 months
View
▼
APR6.39%
Term64-72 months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
6.75%
52 Months
View
▼
APR6.75%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Older Used Auto
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 months
Last UpdatedMay 2, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
7.25%
52 Months
View
▼
APR7.25%
Term52 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2016-2021

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2024-2026 (New or Used)

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
7.99%
12-48
View
▼
APR7.99%
Term12-48
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
8.00%
66 Months
View
▼
APR8.00%
Term66 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2016-2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
8.99%
Up to 60
View
▼
APR8.99%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1805 Craigshire Dr, Saint Louis, MO, 63146
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
9.24%
12-36
View
▼
APR9.24%
Term12-36
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedApr 19, 2026
Details

Model Year: 2022-2023

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
9.49%
Up to 48
View
▼
APR9.49%
TermUp to 48
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
9.74%
Up to 60
View
▼
APR9.74%
TermUp to 60
Last UpdatedApr 19, 2026
Details

As Low As; 2017 - 2021

Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
9.99%
Up to 72
View
▼
APR9.99%
TermUp to 72
Last UpdatedApr 19, 2026
Details

As Low As; 2022 - New

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
View
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fixed-Rate up to 36 months

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMay 2, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.99%
0 - 75 Months
View
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 2, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.49%
up to 72 Month Term
View
▼
APR5.49%
Termup to 72 Month Term
Last UpdatedMay 2, 2026
Details

Credit Score of 700+

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Foundation Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Auto Loan
5.99%
up to 72 Month Term
View
▼
APR5.99%
Termup to 72 Month Term
Last UpdatedMay 2, 2026
Details

Credit Score of 670-699

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
5.99%
76 - 84 Months
View
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.00%
36 months
View
▼
APR6.00%
Term36 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Other (RV, Older Vehicles, ATV, etc.)
6.24%
60 Months
View
▼
APR6.24%
Term60 Months
Last UpdatedMay 7, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.25%
48 months
View
▼
APR6.25%
Term48 months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.75%
72 months
View
▼
APR6.75%
Term72 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
76-84 months
View
▼
APR6.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
Up to 48 months
View
▼
APR7.49%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235
NEW VEHICLES
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2025-2026*

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
View
▼
APR3.99%
TermUp to 36
Last UpdatedMay 6, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
View
▼
APR4.29%
Term37-48
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
4.49%
2027 Mo
View
▼
APR4.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
View
▼
APR4.79%
Term61-72
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
5.49%
2027 Mo
View
▼
APR5.49%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1805 Craigshire Dr, Saint Louis, MO, 63146
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
5.99%
2027 Mo
View
▼
APR5.99%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
New Car: 2025-2027 Models
6.74%
2027 Mo
View
▼
APR6.74%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
New Auto
4.75%
72 Months
View
▼
APR4.75%
Term72 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.00%
36 months
View
▼
APR5.00%
Term36 months
Last UpdatedMay 2, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
New Cars & Trucks
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedMay 7, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.25%
1 - 48
View
▼
APR5.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
New Autos
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
5.50%
49 - 72
View
▼
APR5.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
New Vehicle Loan
6.50%
73 - 84
View
▼
APR6.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Vehicle Auto Loan
6.80%
84 Months
View
▼
APR6.80%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As; Loyalty Rate

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.10%
72 Months
View
▼
APR7.10%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
New Auto Loan
7.35%
84 Months
View
▼
APR7.35%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - Up to 36 months
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.49%

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
621 S New Ballas Rd Ste 72B, Saint Louis, MO, 63141 8235
USED VEHICLES
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMay 2, 2026
Details

As Low As; 2024 and Older

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 37 to 48 months
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.89%

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 49 to 60 months
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 4.99%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedMay 6, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 61 to 72 months
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.24%

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
View
▼
APR5.29%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
5.50%
2027 Mo
View
▼
APR5.50%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans - 73 to 84 months
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedMay 2, 2026
Details

As Low As; APR1: As low as 5.74%

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1805 Craigshire Dr, Saint Louis, MO, 63146
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
5.75%
2027 Mo
View
▼
APR5.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
6.00%
2027 Mo
View
▼
APR6.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
View
▼
APR6.29%
Term72 Months
Last UpdatedMay 6, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
6.39%
64-72 months
View
▼
APR6.39%
Term64-72 months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
6.75%
2027 Mo
View
▼
APR6.75%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Older Used Auto
7.19%
36 to 60 months
View
▼
APR7.19%
Term36 to 60 months
Last UpdatedMay 2, 2026
Details

As Low As

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto
7.19%
73-84 months
View
▼
APR7.19%
Term73-84 months
Last UpdatedMay 2, 2026
Details

Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
8651 Watson Rd, Saint Louis, MO, 63119
Used Car: 2017-2027 Models
8.00%
2027 Mo
View
▼
APR8.00%
Term2027 Mo
Last UpdatedApr 19, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.15%
3 Months
View
▼
APR4.15%
Term3 Months
Last UpdatedMay 7, 2026
Details

As Low As; 3 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.25%
4 Months
View
▼
APR4.25%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
4.75%
5 Months
View
▼
APR4.75%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Used Auto Loan
4.90%
12 Months
View
▼
APR4.90%
Term12 Months
Last UpdatedMay 6, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
Autos & Trucks (new and used)
4.99%
0-12
View
▼
APR4.99%
Term0-12
Last UpdatedMay 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.25%
6 Months
View
▼
APR5.25%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Cars & Trucks 2020-2026
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018 to 2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2018-2024
5.35%
6 Months
View
▼
APR5.35%
Term6 Months
Last UpdatedMay 7, 2026
Details

As Low As; 6 YEAR REPAY

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMay 2, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
New or Used Vehicles 2025 to 2026
5.75%
7 Months
View
▼
APR5.75%
Term7 Months
Last UpdatedMay 7, 2026
Details

As Low As; 7 YEAR REPAY

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
New & Used Vehicle
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.00%
36 months
View
▼
APR6.00%
Term36 months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014 to 2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2014-2017
6.00%
5 Months
View
▼
APR6.00%
Term5 Months
Last UpdatedMay 7, 2026
Details

As Low As; 5 YEAR REPAY

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.25%
1 - 48
View
▼
APR6.25%
Term1 - 48
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.25% - 14.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.25%
48 months
View
▼
APR6.25%
Term48 months
Last UpdatedMay 2, 2026
Details

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (8-10 Years)
6.49%
Up to 60 Months
View
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMay 2, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
6.50%
49 - 72
View
▼
APR6.50%
Term49 - 72
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 6.50% - 15.89%

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.50%
60 months
View
▼
APR6.50%
Term60 months
Last UpdatedMay 2, 2026
Details

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Used Auto
6.75%
72 months
View
▼
APR6.75%
Term72 months
Last UpdatedMay 2, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
6.99%
76-84 months
View
▼
APR6.99%
Term76-84 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
Used Vehicle
7.49%
Up to 48 months
View
▼
APR7.49%
TermUp to 48 months
Last UpdatedMay 2, 2026
Details

As Low As; 100% Financing with qualified credit

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Used Vehicle Loan
7.50%
73 - 84
View
▼
APR7.50%
Term73 - 84
Last UpdatedApr 19, 2026
Details

As Low As; APR Range: 7.50% - 15.98%

Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Used Auto
7.75%
36 Months
View
▼
APR7.75%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 100% NADA Retail

Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
Used Autos (10+ Years)
8.49%
Up to 48 Months
View
▼
APR8.49%
TermUp to 48 Months
Last UpdatedMay 2, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Used Vehicles 2013 & Below
10.00%
4 Months
View
▼
APR10.00%
Term4 Months
Last UpdatedMay 7, 2026
Details

As Low As; 4 YEAR REPAY

Saint Louis, MO Auto Loan Rate Trends

Compare local Saint Louis, 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
6.192%
▲ 0.333 vs 7 days ago

Missouri new auto rates rose 0.333 points over the past 7 days to 6.192% APR.

Used Auto Loan — MO Avg
6.733%
▲ 0.519 vs 7 days ago

Missouri used auto rates rose 0.519 points over the past 7 days to 6.733% APR.

As of May 9, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Saint Louis, 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 Saint Louis, 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 Saint Louis, 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 Saint Louis, Missouri?

Based on our current data, some of the lowest auto loan rates available in Saint Louis, Missouri include:
  • Mercy Credit Union: 3.74% (NEW VEHICLES)
  • County Credit Union: 3.99% (Auto Loan)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • Arsenal Credit Union: 4.49% (New Car: 2025-2027 Models)
  • Gateway Metro Federal Credit Union: 4.49% (New And Used Vehicle Loans - Up to 36 months)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Saint Louis, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 7, 2026

Saint Louis, Missouri Rates & Resources

$
Saint Louis, Missouri CD Rates
$
Saint Louis, Missouri Savings Rates
$
Saint Louis, Missouri Money Market Rates
$
Saint Louis, Missouri Mortgage Rates
$
Saint Louis, Missouri Checking Account Rates
$
Saint Louis, Missouri Personal Loan Rates