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  9. Auto Loan Rate Trends

Tallapoosa, Missouri Best Auto Loan Rates - September 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| 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 Tallapoosa, 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: September 9, 2026

Current auto loan rates in Tallapoosa, Missouri include Mercy Credit UnionMercy Credit UnionA+5.0 ★Texas Ratio: 0.60% offering New Vehicles 2025-2026 Loan at 3.74%, FRB Federal Credit UnionFRB Federal Credit UnionA5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, Alltru Federal Credit UnionAlltru Federal Credit UnionA-5.0 ★Texas Ratio: 15.36% offering New/Used Auto Loans at 3.99%, Century Credit UnionCentury Credit UnionA+5.0 ★Texas Ratio: 1.30% offering New Auto, Truck, SUV & Van at 3.99%, County Credit UnionCounty Credit UnionA+5.0 ★Texas Ratio: 2.18% offering Auto Loan at 3.99%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.

Tallapoosa borrowers have access to 48 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, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tallapoosa, Missouri. Auto Loan Rates Last Updated and Verified: September 9, 2026

Compare Auto Loan Rates Today in Tallapoosa, Missouri & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Tallapoosa 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: 0.60%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedSep 3, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As Low As*

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
3.99%
30 months
View
▼
APR3.99%
Term30 months
Last UpdatedAug 31, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Auto Loan
3.99%
66 months
View
▼
APR3.99%
Term66 months
Last UpdatedSep 3, 2026
Details

Model Year: 2024-2026 (New or Used)

St Louis Policemen`s Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.57%
Vehicle Loans
3.99%
4 year
View
▼
APR3.99%
Term4 year
Last UpdatedSep 3, 2026
Details

Financing available for Boat, Motorcycle, RV, Trailer Loans. Motorcycles eligible for new rate up to two model years old.

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.00%
48 months max term
View
▼
APR4.00%
Term48 months max term
Last UpdatedSep 3, 2026
Details

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedAug 31, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.24%
42 months
View
▼
APR4.24%
Term42 months
Last UpdatedAug 31, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 3, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 3, 2026
Details

As Low As; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.41%
Autos
4.25%
Up to 96 Months
View
▼
APR4.25%
TermUp to 96 Months
Last UpdatedSep 3, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedAug 31, 2026
Details

As Low As*

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loan
4.30%
36 Month
View
▼
APR4.30%
Term36 Month
Last UpdatedSep 3, 2026
Details

As Low As

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.39%
60 month
View
▼
APR4.39%
Term60 month
Last UpdatedSep 3, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedSep 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.49%
54 months
View
▼
APR4.49%
Term54 months
Last UpdatedAug 31, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
36 Month Car Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Payment Example

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
4.49%
63 Months
View
▼
APR4.49%
Term63 Months
Last UpdatedSep 3, 2026
Details

As Low As; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedSep 3, 2026
Details

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

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.49%
1-36 Months
View
▼
APR4.49%
Term1-36 Months
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 9, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.50%
60 months max term
View
▼
APR4.50%
Term60 months max term
Last UpdatedSep 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 3, 2026
Details

2015-2026

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loan
4.55%
48 Month
View
▼
APR4.55%
Term48 Month
Last UpdatedSep 3, 2026
Details

As Low As

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.59%
37-48 Months
View
▼
APR4.59%
Term37-48 Months
Last UpdatedSep 3, 2026
Details

As Low As

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
View
▼
APR4.60%
Term84 months
Last UpdatedAug 31, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 9, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedAug 31, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedSep 3, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2017 - 2024 Model Year
4.75%
36 Months
View
▼
APR4.75%
Term36 Months
Last UpdatedSep 9, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.75%
72 months max term
View
▼
APR4.75%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
4.75%
60 months max term
View
▼
APR4.75%
Term60 months max term
Last UpdatedSep 3, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Vehicle Loans
4.75%
For loans $30,000 + will lend up to 84 Months.
View
▼
APR4.75%
TermFor loans $30,000 + will lend up to 84 Months.
Last UpdatedSep 3, 2026
Details

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

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

As Low As; Minimum deposit $500

Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Auto
4.75%
Up to 72 mo.
View
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedSep 3, 2026
Details

Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 3, 2026
Details

2019-2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedAug 31, 2026
Details

As Low As*

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loan
4.80%
60 Month
View
▼
APR4.80%
Term60 Month
Last UpdatedSep 3, 2026
Details

As Low As

City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 3, 2026
Details

As Low As; 2019-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedSep 3, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.89%
49-60 Months
View
▼
APR4.89%
Term49-60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Car and Auto Loans
4.89%
up to 84 months
View
▼
APR4.89%
Termup to 84 months
Last UpdatedSep 3, 2026
Details

Financing up to 125% for well qualified Members. Rates and terms will vary depending on the creditworthiness of the applicant, age of the vehicle, amount and term of the loan. Down payments may be required depending on the creditworthiness of the borrower and the age and value of the vehicle. For a $10,000 auto loan with a term of 48 months and a 4.89% APR, the monthly payment will be $233. The 4.89% rate is subject to conditions including the applicant's credit score, age of the vehicle, the amount and term of the loan, and enrollment in an approved automatic loan payment program. All loans are subject to credit approval. Other terms and conditions may apply. Rates accurate as of 7/17/26. Limited-time offer valid 7/17-7/24/26.

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.89%
72 month
View
▼
APR4.89%
Term72 month
Last UpdatedSep 3, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedSep 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As Low As*

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 0-12 months
4.99%
12 Months
View
▼
APR4.99%
Term12 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 13-24 months
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 25-36 months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 37-48 months
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 49-60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 4, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedSep 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 9, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 3, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedSep 3, 2026
Details

Model Year: 2008 or Newer

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
New Auto
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedSep 3, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedSep 3, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 3, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Auto Loan
4.99%
78 months
View
▼
APR4.99%
Term78 months
Last UpdatedSep 3, 2026
Details

Model Year: 2024-2026 (New or Used)

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedSep 3, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedSep 3, 2026
Details

As Low As

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
4.99%
12 - 48 months
View
▼
APR4.99%
Term12 - 48 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedSep 3, 2026
Details

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2017 - 2024 Model Year
5.00%
48 Months
View
▼
APR5.00%
Term48 Months
Last UpdatedSep 9, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
5.00%
84 months max term
View
▼
APR5.00%
Term84 months max term
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.00%
72 months max term
View
▼
APR5.00%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - New
5.00%
48 mo
View
▼
APR5.00%
Term48 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - Used
5.00%
36 mo
View
▼
APR5.00%
Term36 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
New Auto Loan
5.00%
48 mo
View
▼
APR5.00%
Term48 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Used Auto Loan
5.00%
36 mo
View
▼
APR5.00%
Term36 mo
Last UpdatedSep 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 3, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedSep 4, 2026
Details

CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
Auto Loan
5.05%
72 Month
View
▼
APR5.05%
Term72 Month
Last UpdatedSep 3, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 9, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
5.19%
61-72 Months
View
▼
APR5.19%
Term61-72 Months
Last UpdatedSep 3, 2026
Details

As Low As

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedSep 4, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
5.24%
78 months
View
▼
APR5.24%
Term78 months
Last UpdatedAug 31, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedSep 3, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 3, 2026
Details

Model Year: 2008 or Newer

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedSep 3, 2026
Details

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

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedSep 3, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedSep 3, 2026
Details

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
5.24%
Up to 60 months
View
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedSep 3, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2019 - 2011)
5.25%
63 months
View
▼
APR5.25%
Term63 months
Last UpdatedSep 8, 2026
Details

New & Used Vehicle/Touring Motorcycle; Min Vehicle Value: $20,000; Rates effective as of 08/17/2026.

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2024 - 2020)
5.25%
63 months
View
▼
APR5.25%
Term63 months
Last UpdatedSep 8, 2026
Details

New & Used Vehicle/Touring Motorcycle; Rates effective as of 08/17/2026.

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Auto Loan 72 Months
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 3, 2026
Details

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2017 - 2024 Model Year
5.25%
60 Months
View
▼
APR5.25%
Term60 Months
Last UpdatedSep 9, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedSep 3, 2026
Details

Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
View
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details

As Low As; Flexible terms available

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.25%
84 months max term
View
▼
APR5.25%
Term84 months max term
Last UpdatedSep 3, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedSep 3, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedAug 31, 2026
Details

As Low As*

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
5.30%
1 - 48 Months
View
▼
APR5.30%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedSep 4, 2026
Details

As Low As

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Vehicles Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2018-2024

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Auto Loan
5.40%
42 months
View
▼
APR5.40%
Term42 months
Last UpdatedSep 3, 2026
Details

Model Year: 2024-2026 (New or Used)

First Independent Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Vehicles Loan
5.47%
2 years
View
▼
APR5.47%
Term2 years
Last UpdatedAug 31, 2026
Details

Emprise Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Vehicle Loan (2024 - 2020)
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 8, 2026
Details

New & Used Vehicle/Touring Motorcycle; Min Vehicle Value: $30,000; Rates effective as of 08/17/2026.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 9, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 3, 2026
Details

Model Year: 2013 or Newer

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 3, 2026
Details

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2017 - 2021 Auto Loan
5.49%
12 - 48 months
View
▼
APR5.49%
Term12 - 48 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New Auto Loan
5.50%
12 mos.
View
▼
APR5.50%
Term12 mos.
Last UpdatedSep 9, 2026
Details

As low as

Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto Loan
5.50%
96 months
View
▼
APR5.50%
Term96 months
Last UpdatedAug 31, 2026
Details

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

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
New Auto
5.50%
Varies
View
▼
APR5.50%
TermVaries
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2017 - 2024 Model Year
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedSep 9, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 9, 2026
Details

As Low As

De Soto Mo Pac Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Autos and Motorcycles (2026-2023)
5.50%
up to 60 months
View
▼
APR5.50%
Termup to 60 months
Last UpdatedSep 9, 2026
Details

Maximum age 15 years. Any over 15 years must be approved at a regular board meeting. No classic cars or trucks.

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan
5.50%
60 months max term
View
▼
APR5.50%
Term60 months max term
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - New
5.50%
72 mo
View
▼
APR5.50%
Term72 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - Used
5.50%
60 mo
View
▼
APR5.50%
Term60 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
New Auto Loan
5.50%
72 mo
View
▼
APR5.50%
Term72 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Used Auto Loan
5.50%
60 mo
View
▼
APR5.50%
Term60 mo
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedSep 3, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedSep 3, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 3, 2026
Details

2023-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedSep 3, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedSep 3, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 3, 2026
Details

Model Year: 2015 or Newer

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2017 and Older Loan
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedSep 3, 2026
Details

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2017 - 2021 Auto Loan
5.74%
Up to 60 months
View
▼
APR5.74%
TermUp to 60 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
Auto Loan 84 Months
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedSep 3, 2026
Details

84 Months *

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Recreation Vehicle loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2017 - 2024 Model Year
5.75%
84 Months
View
▼
APR5.75%
Term84 Months
Last UpdatedSep 9, 2026
Details

As Low As

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
5.75%
up to 48 months
View
▼
APR5.75%
Termup to 48 months
Last UpdatedSep 3, 2026
Details

NO MINIMUM

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan
5.75%
72 months max term
View
▼
APR5.75%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
View
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedSep 3, 2026
Details

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

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
View
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedSep 3, 2026
Details

2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.

Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Used Auto
5.75%
Up to 60 mo.
View
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 3, 2026
Details

Up to 100% NADA Retail

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
5.80%
61 - 72 Months
View
▼
APR5.80%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
5.84%
36 months
View
▼
APR5.84%
Term36 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Auto Loan
5.95%
52 months
View
▼
APR5.95%
Term52 months
Last UpdatedSep 3, 2026
Details

Model Year: 2024-2026 (New or Used)

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
5.96%
48 months
View
▼
APR5.96%
Term48 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details

$20,000 minimum

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

2018-2021 Model Years

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedAug 31, 2026
Details

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedSep 3, 2026
Details

As Low As

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2017 and Older Loan
5.99%
66 months
View
▼
APR5.99%
Term66 months
Last UpdatedSep 3, 2026
Details

County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Auto Loan
5.99%
78 months
View
▼
APR5.99%
Term78 months
Last UpdatedSep 3, 2026
Details

Model Year: 2022-2023

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.99%
49-60 months
View
▼
APR5.99%
Term49-60 months
Last UpdatedSep 3, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Used Auto Loan
6.00%
12 mos.
View
▼
APR6.00%
Term12 mos.
Last UpdatedSep 9, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Vehicles Loan
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2014-2017

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
Used Auto
6.00%
Varies
View
▼
APR6.00%
TermVaries
Last UpdatedSep 3, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto
6.00%
48 months
View
▼
APR6.00%
Term48 months
Last UpdatedSep 3, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
6.00%
49-60 months
View
▼
APR6.00%
Term49-60 months
Last UpdatedSep 3, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
6.08%
24 months
View
▼
APR6.08%
Term24 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
Used Auto (2018-2024) - Up to 63 months
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

As Low As

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
6.13%
60 months
View
▼
APR6.13%
Term60 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
New vehicles Loan
6.13%
60 months
View
▼
APR6.13%
Term60 months
Last UpdatedSep 7, 2026
Details

Annual Percentage Rate based on a $10,000 loan with a $100 origination fee. If you borrowed $10,000 for 60 months at 5.75%, your monthly payment would be $195.92, with an APR of 6.13%. APR and payment calculated on no payment for first 90 days of loan.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedSep 9, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2020 - 2022 Used Vehicle Loan
6.20%
1 - 48 Months
View
▼
APR6.20%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
6.20%
1 - 48 Months
View
▼
APR6.20%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.22%
48 months
View
▼
APR6.22%
Term48 months
Last UpdatedSep 7, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedSep 4, 2026
Details

Minimum $35,000

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedAug 31, 2026
Details

2018-2021 Model Years; $15,000 minimum

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedSep 3, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Tallapoosa 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: 0.60%
New Vehicles 2025-2026 Loan
3.74%
Up To 7 Years
View
▼
APR3.74%
TermUp To 7 Years
Last UpdatedSep 3, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As Low As*

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
3.99%
30 months
View
▼
APR3.99%
Term30 months
Last UpdatedAug 31, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.00%
48 months max term
View
▼
APR4.00%
Term48 months max term
Last UpdatedSep 3, 2026
Details

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New 2027-2025 Vehicles/Motorcycles, Up to 100% Financed Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedAug 31, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.24%
42 months
View
▼
APR4.24%
Term42 months
Last UpdatedAug 31, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 3, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.29%
37-48 months
View
▼
APR4.29%
Term37-48 months
Last UpdatedAug 31, 2026
Details

As Low As*

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.39%
60 month
View
▼
APR4.39%
Term60 month
Last UpdatedSep 3, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedSep 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.49%
54 months
View
▼
APR4.49%
Term54 months
Last UpdatedAug 31, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.49%
36 months
View
▼
APR4.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.49%
1-36 Months
View
▼
APR4.49%
Term1-36 Months
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedSep 9, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.50%
60 months max term
View
▼
APR4.50%
Term60 months max term
Last UpdatedSep 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 3, 2026
Details

2015-2026

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.59%
37-48 Months
View
▼
APR4.59%
Term37-48 Months
Last UpdatedSep 3, 2026
Details

As Low As

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
4.64%
Up to 63 Months
View
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 9, 2026
Details

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
4.74%
66 months
View
▼
APR4.74%
Term66 months
Last UpdatedAug 31, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
4.74%
48 months
View
▼
APR4.74%
Term48 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
4.75%
48 Months
View
▼
APR4.75%
Term48 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
4.75%
72 months max term
View
▼
APR4.75%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
4.75%
60 months max term
View
▼
APR4.75%
Term60 months max term
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

As Low As

Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
New Auto
4.75%
Up to 72 mo.
View
▼
APR4.75%
TermUp to 72 mo.
Last UpdatedSep 3, 2026
Details

Up to 100% NADA Retail

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 3, 2026
Details

2019-2026

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
New Auto
4.79%
61-72 months
View
▼
APR4.79%
Term61-72 months
Last UpdatedAug 31, 2026
Details

As Low As*

City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 3, 2026
Details

As Low As; 2019-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
4.85%
36 Months
View
▼
APR4.85%
Term36 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.89%
48 months
View
▼
APR4.89%
Term48 months
Last UpdatedSep 3, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
4.89%
49-60 Months
View
▼
APR4.89%
Term49-60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.89%
72 month
View
▼
APR4.89%
Term72 month
Last UpdatedSep 3, 2026
Details

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

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 0-12 months
4.99%
12 Months
View
▼
APR4.99%
Term12 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 13-24 months
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 25-36 months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 37-48 months
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 49-60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 4, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedSep 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

100% Financing with qualified credit

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 3, 2026
Details

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
New Auto
4.99%
75 Months
View
▼
APR4.99%
Term75 Months
Last UpdatedSep 3, 2026
Details

As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
4.99%
60 months
View
▼
APR4.99%
Term60 months
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedSep 3, 2026
Details

As Low As

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
4.99%
12 - 48 months
View
▼
APR4.99%
Term12 - 48 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.00%
48 months
View
▼
APR5.00%
Term48 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
New Vehicles Loan
5.00%
84 months max term
View
▼
APR5.00%
Term84 months max term
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.00%
72 months max term
View
▼
APR5.00%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - New
5.00%
48 mo
View
▼
APR5.00%
Term48 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
New Auto Loan
5.00%
48 mo
View
▼
APR5.00%
Term48 mo
Last UpdatedSep 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 3, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
5.05%
66 Months
View
▼
APR5.05%
Term66 Months
Last UpdatedSep 4, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.08%
48 Months
View
▼
APR5.08%
Term48 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
5.14%
Up to 75 Months
View
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 9, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
5.19%
61-72 Months
View
▼
APR5.19%
Term61-72 Months
Last UpdatedSep 3, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
5.24%
78 months
View
▼
APR5.24%
Term78 months
Last UpdatedAug 31, 2026
Details

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
5.24%
72 months
View
▼
APR5.24%
Term72 months
Last UpdatedSep 3, 2026
Details

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
5.24%
66 months
View
▼
APR5.24%
Term66 months
Last UpdatedSep 3, 2026
Details

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
5.24%
Up to 60 months
View
▼
APR5.24%
TermUp to 60 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.25%
72 Months
View
▼
APR5.25%
Term72 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.25%
60 months
View
▼
APR5.25%
Term60 months
Last UpdatedSep 3, 2026
Details

Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
View
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details

As Low As; Flexible terms available

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.25%
84 months max term
View
▼
APR5.25%
Term84 months max term
Last UpdatedSep 3, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedSep 3, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.31%
60 Months
View
▼
APR5.31%
Term60 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.35%
36 Months
View
▼
APR5.35%
Term36 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
New Autos (2026 and 2027 models)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

1st MidAmerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Vehicles - 2018 and Newer Loan
5.49%
72 months
View
▼
APR5.49%
Term72 months
Last UpdatedSep 3, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
New Auto Loan
5.50%
12 mos.
View
▼
APR5.50%
Term12 mos.
Last UpdatedSep 9, 2026
Details

As low as

Great Plains Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
New Auto Loan
5.50%
96 months
View
▼
APR5.50%
Term96 months
Last UpdatedAug 31, 2026
Details

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

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
New Auto
5.50%
Varies
View
▼
APR5.50%
TermVaries
Last UpdatedSep 3, 2026
Details

As Low As

Kansas City Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.78%
AUTO LOANS2025 & Newer Model Year
5.50%
84 Months
View
▼
APR5.50%
Term84 Months
Last UpdatedSep 9, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
New Auto
5.50%
72 months
View
▼
APR5.50%
Term72 months
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - New
5.50%
72 mo
View
▼
APR5.50%
Term72 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
New Auto Loan
5.50%
72 mo
View
▼
APR5.50%
Term72 mo
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
New Auto Loans
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedSep 3, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 3, 2026
Details

2023-2026

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.55%
72 Months
View
▼
APR5.55%
Term72 Months
Last UpdatedSep 5, 2026
Details

Loyalty Rate

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.58%
48 Months
View
▼
APR5.58%
Term48 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
New Car Loan
5.74%
84 months
View
▼
APR5.74%
Term84 months
Last UpdatedSep 3, 2026
Details

Vantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
2022 - New Auto Loan
5.74%
Up to 72 months
View
▼
APR5.74%
TermUp to 72 months
Last UpdatedSep 3, 2026
Details

As Low As; Auto Loan

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Recreation Vehicle loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

District One Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
5.75%
up to 48 months
View
▼
APR5.75%
Termup to 48 months
Last UpdatedSep 3, 2026
Details

NO MINIMUM

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
5.81%
60 Months
View
▼
APR5.81%
Term60 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
5.84%
36 months
View
▼
APR5.84%
Term36 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
5.96%
48 months
View
▼
APR5.96%
Term48 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details

$20,000 minimum

Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
New Auto, Truck, SUV & Van
5.99%
84 months
View
▼
APR5.99%
Term84 months
Last UpdatedAug 31, 2026
Details

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
New Vehicle Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedSep 3, 2026
Details

As Low As

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.99%
49-60 months
View
▼
APR5.99%
Term49-60 months
Last UpdatedSep 3, 2026
Details

Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.32%
New Vehicle Auto Loan
6.05%
72 Months
View
▼
APR6.05%
Term72 Months
Last UpdatedSep 5, 2026
Details

As Low As; Loyalty Rate

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
6.08%
24 months
View
▼
APR6.08%
Term24 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
2026 New vehicles (automobiles, motorcycles, Jet skis, and ATVs)
6.13%
60 months
View
▼
APR6.13%
Term60 months
Last UpdatedSep 7, 2026
Details

90% financing w/ 10% down payment

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
New vehicles Loan
6.13%
60 months
View
▼
APR6.13%
Term60 months
Last UpdatedSep 7, 2026
Details

Annual Percentage Rate based on a $10,000 loan with a $100 origination fee. If you borrowed $10,000 for 60 months at 5.75%, your monthly payment would be $195.92, with an APR of 6.13%. APR and payment calculated on no payment for first 90 days of loan.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
New Auto
6.14%
Up to 84 Months
View
▼
APR6.14%
TermUp to 84 Months
Last UpdatedSep 9, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
New Cars & Trucks Loan
6.24%
84 Months
View
▼
APR6.24%
Term84 Months
Last UpdatedSep 4, 2026
Details

Minimum $35,000

Tallapoosa Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 31, 2026
Details

As Low As; *

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.15%
3 YEAR REPAY
View
▼
APR4.15%
Term3 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedSep 3, 2026
Details

As Low As; 2024-2026 model years; rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
4.24%
1-36 months
View
▼
APR4.24%
Term1-36 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.25%
4 YEAR REPAY
View
▼
APR4.25%
Term4 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.39%
60 month
View
▼
APR4.39%
Term60 month
Last UpdatedSep 3, 2026
Details

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

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.49%
Up to 36 months
View
▼
APR4.49%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
4.49%
63 Months
View
▼
APR4.49%
Term63 Months
Last UpdatedSep 3, 2026
Details

As Low As; 2024-2026 model years; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.

Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.60%
Used Vehicles 2024 and Older Loan
4.49%
Up To 6 Years
View
▼
APR4.49%
TermUp To 6 Years
Last UpdatedSep 3, 2026
Details

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

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.50%
Up to 42 months
View
▼
APR4.50%
TermUp to 42 months
Last UpdatedSep 3, 2026
Details

2015-2026

Central Missouri Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Used Vehicles/Motorcycles 2024 & Older Loan
4.60%
84 months
View
▼
APR4.60%
Term84 months
Last UpdatedAug 31, 2026
Details

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
4.74%
1-36 Months
View
▼
APR4.74%
Term1-36 Months
Last UpdatedSep 3, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
4.75%
5 YEAR REPAY
View
▼
APR4.75%
Term5 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Auto Loan
4.75%
60 Months
View
▼
APR4.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
4.75%
60 months max term
View
▼
APR4.75%
Term60 months max term
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
4.75%
36 months
View
▼
APR4.75%
Term36 months
Last UpdatedSep 3, 2026
Details

As Low As; Minimum deposit $500

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
4.75%
43 - 66 months
View
▼
APR4.75%
Term43 - 66 months
Last UpdatedSep 3, 2026
Details

2019-2026

City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
New & Used Autos
4.84%
Up to 72 months
View
▼
APR4.84%
TermUp to 72 months
Last UpdatedSep 3, 2026
Details

As Low As; 2019-2026

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.89%
37 to 48 months
View
▼
APR4.89%
Term37 to 48 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Joplin Metro Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
New and Pre-Owned Auto Loan
4.89%
72 month
View
▼
APR4.89%
Term72 month
Last UpdatedSep 3, 2026
Details

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

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedSep 4, 2026
Details

As Low As

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
4.99%
Up to 36 months
View
▼
APR4.99%
TermUp to 36 months
Last UpdatedAug 31, 2026
Details

As Low As*

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 0-12 months
4.99%
12 Months
View
▼
APR4.99%
Term12 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 13-24 months
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 25-36 months
4.99%
36 Months
View
▼
APR4.99%
Term36 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 37-48 months
4.99%
48 Months
View
▼
APR4.99%
Term48 Months
Last UpdatedSep 4, 2026
Details

Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
Autos & Trucks (new and used) - 49-60 months
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedSep 4, 2026
Details

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
4.99%
49 to 60 months
View
▼
APR4.99%
Term49 to 60 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
4.99%
Up to 63 months
View
▼
APR4.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

100% Financing with qualified credit

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto
4.99%
Up to 63 Months
View
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 9, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
4.99%
24 months
View
▼
APR4.99%
Term24 months
Last UpdatedSep 3, 2026
Details

Model Year: 2008 or Newer

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
4.99%
37-48 Months
View
▼
APR4.99%
Term37-48 Months
Last UpdatedSep 3, 2026
Details

As Low As

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
4.99%
48-60 months
View
▼
APR4.99%
Term48-60 months
Last UpdatedSep 3, 2026
Details

As Low As

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
4.99%
1-36 months
View
▼
APR4.99%
Term1-36 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.00%
72 months max term
View
▼
APR5.00%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - Used
5.00%
36 mo
View
▼
APR5.00%
Term36 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Used Auto Loan
5.00%
36 mo
View
▼
APR5.00%
Term36 mo
Last UpdatedSep 3, 2026
Details

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.00%
67 - 72 months
View
▼
APR5.00%
Term67 - 72 months
Last UpdatedSep 3, 2026
Details

2022-2026

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
5.24%
48 Months
View
▼
APR5.24%
Term48 Months
Last UpdatedSep 4, 2026
Details

As Low As

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.24%
61 to 72 months
View
▼
APR5.24%
Term61 to 72 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.24%
36 months
View
▼
APR5.24%
Term36 months
Last UpdatedSep 3, 2026
Details

Model Year: 2008 or Newer

Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.18%
Used Auto
5.24%
75 Months
View
▼
APR5.24%
Term75 Months
Last UpdatedSep 3, 2026
Details

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

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
5.24%
49-60 Months
View
▼
APR5.24%
Term49-60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
5.24%
37-48 months
View
▼
APR5.24%
Term37-48 months
Last UpdatedSep 3, 2026
Details

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.25%
6 YEAR REPAY
View
▼
APR5.25%
Term6 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Summit Ridge Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.49%
New & Used Auto
5.25%
Flexible
View
▼
APR5.25%
TermFlexible
Last UpdatedSep 3, 2026
Details

As Low As; Flexible terms available

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2022 and Newer) Loan
5.25%
84 months max term
View
▼
APR5.25%
Term84 months max term
Last UpdatedSep 3, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.25%
37-48 months
View
▼
APR5.25%
Term37-48 months
Last UpdatedSep 3, 2026
Details

FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Used Auto
5.29%
37-48 months
View
▼
APR5.29%
Term37-48 months
Last UpdatedAug 31, 2026
Details

As Low As*

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
5.30%
1 - 48 Months
View
▼
APR5.30%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Used Cars & Trucks Loan
5.34%
72 Months
View
▼
APR5.34%
Term72 Months
Last UpdatedSep 4, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Vehicles Loan
5.35%
6 YEAR REPAY
View
▼
APR5.35%
Term6 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2018-2024

First Independent Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.34%
Used Vehicles Loan
5.47%
2 years
View
▼
APR5.47%
Term2 years
Last UpdatedAug 31, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.49%
72-75 months
View
▼
APR5.49%
Term72-75 months
Last UpdatedAug 31, 2026
Details

$15,000 minimum

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (1-3 Years)
5.49%
Up to 84 Months
View
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Members Choice Credit Union Ashland, KY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Used Autos (4-7 Years)
5.49%
Up to 72 Months
View
▼
APR5.49%
TermUp to 72 Months
Last UpdatedAug 31, 2026
Details

Reflects AutoPay .25% deduction

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 36-month term
5.49%
36 months
View
▼
APR5.49%
Term36 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 48-month term
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto
5.49%
Up to 75 Months
View
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 9, 2026
Details

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.49%
48 months
View
▼
APR5.49%
Term48 months
Last UpdatedSep 3, 2026
Details

Model Year: 2013 or Newer

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan
5.50%
60 months max term
View
▼
APR5.50%
Term60 months max term
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Auto Loan - Used
5.50%
60 mo
View
▼
APR5.50%
Term60 mo
Last UpdatedSep 3, 2026
Details

Catholic Family Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.47%
Used Auto Loan
5.50%
60 mo
View
▼
APR5.50%
Term60 mo
Last UpdatedSep 3, 2026
Details

First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
Used Auto Loan
5.50%
61-72 months
View
▼
APR5.50%
Term61-72 months
Last UpdatedSep 3, 2026
Details

As Low As

Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
New & Used Auto
5.50%
73 - 84 months
View
▼
APR5.50%
Term73 - 84 months
Last UpdatedSep 3, 2026
Details

2023-2026

Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 3.54%
Used Vehicle Loan
5.64%
61-72 Months
View
▼
APR5.64%
Term61-72 Months
Last UpdatedSep 3, 2026
Details

As Low As

Gateway Metro Federal Credit Union
Institution Rating:
B3.9 ★ Texas Ratio: 8.50%
New And Used Vehicle Loans
5.74%
73 to 84 months
View
▼
APR5.74%
Term73 to 84 months
Last UpdatedAug 31, 2026
Details

As low as; Rates are subject to change, credit history and other factors including but not limited to- model year, term, and financing. Terms and financing are subject to qualifying conditions. Other rates, terms and conditions available. Contact GMFCU for complete details.

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 60-month term
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
5.74%
60 months
View
▼
APR5.74%
Term60 months
Last UpdatedSep 3, 2026
Details

Model Year: 2015 or Newer

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New or Used Vehicles Loan
5.75%
7 YEAR REPAY
View
▼
APR5.75%
Term7 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2025 to 2026

Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.24%
New or Used Recreation Vehicle loan
5.75%
60 Months
View
▼
APR5.75%
Term60 Months
Last UpdatedSep 3, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto
5.75%
36 months
View
▼
APR5.75%
Term36 months
Last UpdatedSep 3, 2026
Details

Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Vehicles (2021 to 2018) Loan
5.75%
72 months max term
View
▼
APR5.75%
Term72 months max term
Last UpdatedSep 3, 2026
Details

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Vehicles 2022 - 2019 Model Years Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
View
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedSep 3, 2026
Details

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

Division #6 Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.11%
Used Vehicles Loan
5.75%
For vehicles $25,000 + will lend up to 72 months.
View
▼
APR5.75%
TermFor vehicles $25,000 + will lend up to 72 months.
Last UpdatedSep 3, 2026
Details

2022 - 2019 Model Years. Interest rates are based on individual credit scores and are subject to change. Call the credit union for more details.

Academic Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.31%
Used Auto
5.75%
Up to 60 mo.
View
▼
APR5.75%
TermUp to 60 mo.
Last UpdatedSep 3, 2026
Details

Up to 100% NADA Retail

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
5.80%
61 - 72 Months
View
▼
APR5.80%
Term61 - 72 Months
Last UpdatedSep 3, 2026
Details

Alltru Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.36%
New/Used Auto Loans
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedAug 31, 2026
Details

As Low As; *

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
New & Used Vehicle Loan
5.99%
76-84 months
View
▼
APR5.99%
Term76-84 months
Last UpdatedAug 31, 2026
Details

$20,000 minimum

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
5.99%
Up to 63 months
View
▼
APR5.99%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

2018-2021 Model Years

Educational Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
Autos/Motorcycles/ATVs/Boats (New & Used) - 72-month term
5.99%
72 months
View
▼
APR5.99%
Term72 months
Last UpdatedSep 3, 2026
Details

Level 1 APR* (730+)

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
Used Auto (2018 or older)
5.99%
Up to 60 Months
View
▼
APR5.99%
TermUp to 60 Months
Last UpdatedSep 9, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
New & Used Auto
5.99%
49-60 months
View
▼
APR5.99%
Term49-60 months
Last UpdatedSep 3, 2026
Details

North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.02%
Used Auto Loan
6.00%
12 mos.
View
▼
APR6.00%
Term12 mos.
Last UpdatedSep 9, 2026
Details

As Low As

PennTech Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Used Vehicles Loan
6.00%
5 YEAR REPAY
View
▼
APR6.00%
Term5 YEAR REPAY
Last UpdatedSep 4, 2026
Details

As Low As; 2014-2017

Assemblies Of God Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.08%
Used Auto
6.00%
Varies
View
▼
APR6.00%
TermVaries
Last UpdatedSep 3, 2026
Details

As Low As

Goetz Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Used Auto
6.00%
48 months
View
▼
APR6.00%
Term48 months
Last UpdatedSep 3, 2026
Details

Leadco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.65%
Used Autos
6.00%
49-60 months
View
▼
APR6.00%
Term49-60 months
Last UpdatedSep 3, 2026
Details

St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.05%
Used Auto (2018-2024) - Up to 63 months
6.09%
Up to 63 months
View
▼
APR6.09%
TermUp to 63 months
Last UpdatedAug 31, 2026
Details

As Low As

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
2020 - 2022 Used Vehicle Loan
6.20%
1 - 48 Months
View
▼
APR6.20%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Used Vehicle Loan
6.20%
1 - 48 Months
View
▼
APR6.20%
Term1 - 48 Months
Last UpdatedSep 3, 2026
Details

St. Johns B&T Co.
Institution Rating:
C+4.1 ★ Texas Ratio: 25.85%
Used Vehicles (automobiles, motorcycles, jet skis, ATVs, and boats)
6.22%
48 months
View
▼
APR6.22%
Term48 months
Last UpdatedSep 7, 2026
Details

Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Used Vehicle Loan
6.24%
72-75 months
View
▼
APR6.24%
Term72-75 months
Last UpdatedAug 31, 2026
Details

2018-2021 Model Years; $15,000 minimum

Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Auto Loans - Used 2024 or older Max age 16 years
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedSep 3, 2026
Details

Model Year: 2015 or Newer (/ln > $20k)

Tallapoosa, MO Auto Loan Rate Trends

Compare local Tallapoosa, MO auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Missouri Auto Trends
New Auto Loan MO Avg
5.648%
▲ 0.177 vs 7 days ago

Missouri new auto rates rose 0.177 points over the past 7 days to 5.648% APR.

Used Auto Loan MO Avg
5.966%
▼ 0.296 vs 7 days ago

Missouri used auto rates fell 0.296 points over the past 7 days to 5.966% APR.

As of Sep 10, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Tallapoosa, MO Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Missouri figures.

Current New Auto Avg
5.65%
APR, as of Sep 10, 2026
6-Month Forecast
5.73%
Fed hold assumed
12-Month Forecast
5.80%
Range: 5.45% to 6.00%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

What Would Your Monthly Car Payment Be?

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

Loan Amount New Auto @ 5.65% APR
MO average		 Used Auto @ 5.97% APR
MO average		 Monthly Difference
$15,000 $287.54/mo $289.76/mo $2.21/mo
$25,000 $479.24/mo $482.93/mo $3.69/mo
$35,000 $670.93/mo $676.10/mo $5.17/mo
$45,000 $862.63/mo $869.27/mo $6.64/mo

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

How to Get the Best Auto Loan Rate in Tallapoosa, Missouri

1

Get Preapproved Before You Shop

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

2

Check Credit Unions First

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

3

Choose the Shortest Term You Can Afford

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

4

Mind the New vs. Used Rate Spread

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

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

Missouri Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau (state-level data shown; city data not available)

$42,774
Median Individual Earnings
National avg: $47,340
4.0%
Unemployment Rate
National avg: 4.8%
12.6%
Poverty Rate
National avg: 11.1%
$575/mo
Payment on a $30K / 60-mo Loan
At MO new-auto avg 5.65% APR

A $575 monthly car payment works out to roughly 16.1% of the median individual income in Missouri. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.

Auto Financing Options Compared

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

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

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

Auto Loan Payment Calculator

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

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

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

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tallapoosa, 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 Tallapoosa, 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 Tallapoosa, 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 Tallapoosa, 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 Tallapoosa, 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 Tallapoosa, Missouri typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

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

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

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

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

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

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

What are the best Auto Loan rates in Tallapoosa, Missouri?

Based on our current data, some of the lowest auto loan rates available in Tallapoosa, Missouri include:
  • Mercy Credit Union: 3.74% (New Vehicles 2025-2026 Loan)
  • FRB Federal Credit Union: 3.99% (New Auto)
  • Alltru Federal Credit Union: 3.99% (New/Used Auto Loans)
  • Century Credit Union: 3.99% (New Auto, Truck, SUV & Van)
  • County Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Tallapoosa, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: September 9, 2026

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