Auto Loan Rates in Vandalia, Missouri (MO) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Vandalia, Missouri. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Vandalia, Missouri include Baxter Credit UnionBaxter Credit Union13655 Riverport Dr, Maryland Heights, MO, 63043A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Mercy Credit UnionMercy Credit Union1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238A+5.0 ★Texas Ratio: 1.69% offering New Vehicles 2025-2026 at 3.74%, FRB Federal Credit UnionFRB Federal Credit UnionFEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102A5.0 ★Texas Ratio: 6.96% offering New Auto at 3.99%, Burlington Northtown Community Credit UnionBurlington Northtown Community Credit Union1002 Swift Ave, North Kansas City, MO, 64116 4128A+5.0 ★Texas Ratio: 2.79% offering Auto Loans - New (2025 or Newer) at 3.99%, County Credit UnionCounty Credit Union130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913A+5.0 ★Texas Ratio: 3.78% offering Auto Loan at 3.99%.
Auto loan rates in Vandalia, Missouri are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Vandalia, Missouri. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Vandalia, Missouri & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details
*APR is the Annual Percentage Rate.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
3.99%
66 Months
▼
APR3.99%
Term66 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2024-2026 (New or Used)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2023 - 2026
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
Any Model Year Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 18, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; 48 months max term
Lewis Clark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
663 W Highway 60, Monett, MO, 65708
Autos
4.25%
Up to 96 Months
▼
APR4.25%
TermUp to 96 Months
Last UpdatedMar 20, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.30%
36 Month
▼
APR4.30%
Term36 Month
Last UpdatedMar 18, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMar 18, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.49%
36 months
▼
APR4.49%
Term36 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.55%
48 Month
▼
APR4.55%
Term48 Month
Last UpdatedMar 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMar 18, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 48 mos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 4.49%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.24%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5 YEAR REPAY
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates may vary based on creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
loan balance $20,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 36 Month 2025
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; min. $500
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
4.80%
60 Month
▼
APR4.80%
Term60 Month
Last UpdatedMar 18, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.89%
48 months
▼
APR4.89%
Term48 months
Last UpdatedMar 15, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedMar 16, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details
As Low As; 100% Financing with qualified credit
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2023 - 2026
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
4.99%
78 Months
▼
APR4.99%
Term78 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2024-2026 (New or Used)
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
4.99%
12 Months
▼
APR4.99%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2022 - New; 12 - 48 ($5,000 min.)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 48 Month 2025
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
CSD Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.11%
8510 E BANNISTER RD, KANSAS CITY, MO, 64134 1841
Auto Loan
5.05%
72 Month
▼
APR5.05%
Term72 Month
Last UpdatedMar 18, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.08%
48 Months
▼
APR5.08%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.24%
72 months
▼
APR5.24%
Term72 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 63 mos
5.24%
63 Months
▼
APR5.24%
Term63 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 4.99%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.74%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6 YEAR REPAY
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.25%
66 Months
▼
APR5.25%
Term66 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2023 - 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 20, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 60 Month 2025
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedMar 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.31%
60 Months
▼
APR5.31%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6 YEAR REPAY
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMar 20, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.40%
42 Months
▼
APR5.40%
Term42 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2024-2026 (New or Used)
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMar 18, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
/ln > $20k
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 48 mos
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 5.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.99%
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 63 mos
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 5.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 4.99%
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Vantage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
4545 Lemay Ferry Rd, Saint Louis, MO, 63129
Auto Loan
5.49%
12 Months
▼
APR5.49%
Term12 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2017 - 2021; 12 - 48 ($5,000 min.)
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 20, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 84 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMar 20, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 72 mos
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 5.49%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.24%
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2023 - 2026
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Up to 100% NADA Retail
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.95%
52 Months
▼
APR5.95%
Term52 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2024-2026 (New or Used)
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedMar 20, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2017 - 2022
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2018-2023 Models up to 72 mos
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 5.74%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.49%
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2022-2023
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
13655 Riverport Dr, Maryland Heights, MO, 63043
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5 YEAR REPAY
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
6.00%
36 Months
▼
APR6.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2016 & older
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMar 15, 2026
Details
As Low As; months
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMar 18, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
/ln > $20k
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedMar 16, 2026
Details
As Low As
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
6.25%
48 Months
▼
APR6.25%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2016 & older
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
6.25%
72 Months
▼
APR6.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMar 20, 2026
Details
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
6.25%
42 Months
▼
APR6.25%
Term42 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2022-2023
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMar 15, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
West Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.50%
4161 Highway K, O Fallon, MO, 63368 8294
Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
/ln > $45k
Neighbors Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.62%
6300 S Lindbergh Blvd, Saint Louis, MO, 63123 7804
Auto Loans - Purchase & Refinance 2024-2027 Models up to 84 mos**
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 20, 2026
Details
APR w/ Auto Payments^: 6.24%; APR w/ Auto Pay, Checking & Direct Deposit^: 5.99%
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto > 7 Years
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Civic Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.40%
400 E Miller St, Jefferson City, MO, 65101
Auto Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Model Year: 2017 - 2022
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2020 - 2022 Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMar 20, 2026
Details
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 20, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; min. $25,000
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMar 20, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Other (RV, Older Vehicles, ATV, etc.)
6.74%
up to 60 Mos.
▼
APR6.74%
Termup to 60 Mos.
Last UpdatedMar 17, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO, 64157
New Auto Loan
6.75%
48-72
▼
APR6.75%
Term48-72
Last UpdatedMar 20, 2026
Details
As Low As
Show Me Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
550 S Muldrow St, Mexico, MO, 65265 2014
Auto Loans
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.78%
130 S BEMISTON AVE STE 100, SAINT LOUIS, MO, 63105 1913
Auto Loan
6.75%
52 Months
▼
APR6.75%
Term52 Months
Last UpdatedMar 16, 2026
Details
Model Year: 2022-2023
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2016 and Older)
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.75%
2027 Mo
▼
APR6.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
New Vehicles 2025-2026
3.74%
Up To 7 Years
▼
APR3.74%
TermUp To 7 Years
Last UpdatedMar 4, 2026
Details
*APR is the Annual Percentage Rate.
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
3.99%
Up to 36
▼
APR3.99%
TermUp to 36
Last UpdatedMar 16, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 3 YEAR REPAY
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; 48 months max term
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.29%
37-48
▼
APR4.29%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.49%
30 months
▼
APR4.49%
Term30 months
Last UpdatedMar 18, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 18, 2026
Details
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
4.49%
2027 Mo
▼
APR4.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedMar 18, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5 YEAR REPAY
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
New Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
loan balance $20,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 36 Month 2025
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; min. $500
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
New Auto
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As; Up to 100% NADA Retail
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
New Auto
4.79%
61-72
▼
APR4.79%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.89%
1-36
▼
APR4.89%
Term1-36
Last UpdatedMar 16, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
New Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details
As Low As; 100% Financing with qualified credit
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
4.99%
37-48
▼
APR4.99%
Term37-48
Last UpdatedMar 16, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 48 Month 2025
5.00%
48 Months
▼
APR5.00%
Term48 Months
Last UpdatedMar 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.08%
48 Months
▼
APR5.08%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.09%
49-60
▼
APR5.09%
Term49-60
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.10%
36 Months
▼
APR5.10%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6 YEAR REPAY
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.25%
48 Months
▼
APR5.25%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
5.25%
1 - 48
▼
APR5.25%
Term1 - 48
Last UpdatedMar 20, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
New Vehicles
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 84 months max term
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Catholic Family Credit Union
Institution Rating:
B-4.3 ★ Texas Ratio: 22.97%
9237 Ward Pkwy Ste 114, Kansas City, MO, 64114 3331
New Auto 60 Month 2025
5.25%
60 Months
▼
APR5.25%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedMar 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
New Cars & Trucks
5.30%
66 Months
▼
APR5.30%
Term66 Months
Last UpdatedMar 17, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.31%
60 Months
▼
APR5.31%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.35%
36 Months
▼
APR5.35%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
5.39%
61-72
▼
APR5.39%
Term61-72
Last UpdatedMar 16, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
14506 E 39th St S, Independence, MO, 64055
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
5.49%
78 months
▼
APR5.49%
Term78 months
Last UpdatedMar 18, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
New Autos
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
/ln > $20k
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.49%
2027 Mo
▼
APR5.49%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
5.50%
49 - 72
▼
APR5.50%
Term49 - 72
Last UpdatedMar 20, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 84 months max term
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
5.55%
72 Months
▼
APR5.55%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.58%
48 Months
▼
APR5.58%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
5.81%
60 Months
▼
APR5.81%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
5.99%
2027 Mo
▼
APR5.99%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan
6.05%
72 Months
▼
APR6.05%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Century Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.83%
1540 LEMAY FERRY RD, SAINT LOUIS, MO, 63125 2405
New Auto, Truck, SUV & Van
6.24%
84 months
▼
APR6.24%
Term84 months
Last UpdatedMar 18, 2026
Details
Alliance Credit Union Fenton, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
1280 S Highway Dr, Fenton, MO, 63026 1913
New Vehicle
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedMar 16, 2026
Details
As Low As
Ozark Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
2438 Katy LN, Poplar Bluff, MO, 63901 2304
New Vehicle Auto Loan Loyalty Rate
6.30%
84 Months
▼
APR6.30%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - New (2025 or Newer)
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
/ln > $45k
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2025 - 2027 New Vehicle Loan
6.50%
73 - 84
▼
APR6.50%
Term73 - 84
Last UpdatedMar 20, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
New Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; min. $25,000
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
New Car: 2025-2027 Models
6.74%
2027 Mo
▼
APR6.74%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
NBKC Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
9750 N Ash Ave, Kansas City, MO, 64157
New Auto Loan
6.75%
48-72
▼
APR6.75%
Term48-72
Last UpdatedMar 20, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.15%
3 Months
▼
APR4.15%
Term3 Months
Last UpdatedMar 17, 2026
Details
As Low As; 3 YEAR REPAY
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.25%
4 Months
▼
APR4.25%
Term4 Months
Last UpdatedMar 17, 2026
Details
As Low As; 4 YEAR REPAY
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans Up to 36 months
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mercy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
1444 E Sunshine St, SPRINGFIELD, MO, 65804 1238
Used Vehicles 2023 and Older
4.49%
Up To 6 Years
▼
APR4.49%
TermUp To 6 Years
Last UpdatedMar 4, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 18, 2026
Details
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2015-2026
4.50%
42 Months
▼
APR4.50%
Term42 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.74%
24 Months
▼
APR4.74%
Term24 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
4.75%
5 Months
▼
APR4.75%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5 YEAR REPAY
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 20, 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.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
loan balance $20,000 or more
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.75%
36 Months
▼
APR4.75%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2019-2026
4.75%
66 Months
▼
APR4.75%
Term66 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
City Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.36%
2550 S State Route 291, Independence, MO, 64057 1226
New & Used Autos
4.84%
72 Months
▼
APR4.84%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 2019-2026
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 37 to 48 months
4.89%
48 Months
▼
APR4.89%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mazuma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.86%
9300 Troost Ave, Kansas City, MO, 64131
New and Used Auto Loan
4.89%
84 Months
▼
APR4.89%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; terms up to 84 months
North Jersey Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
663 Highway 60, Monett, MO, 65708
Used Auto Loan
4.90%
12 Months
▼
APR4.90%
Term12 Months
Last UpdatedMar 17, 2026
Details
As Low As
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 49 to 60 months
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
4.99%
63 Months
▼
APR4.99%
Term63 Months
Last UpdatedMar 20, 2026
Details
As Low As; 100% Financing with qualified credit
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 15, 2026
Details
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 18, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
4.99%
48-60
▼
APR4.99%
Term48-60
Last UpdatedMar 18, 2026
Details
As Low As
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2022-2026
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.15%
36 Months
▼
APR5.15%
Term36 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 61 to 72 months
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.25%
6 Months
▼
APR5.25%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.25%
84-95 Months
▼
APR5.25%
Term84-95 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
5.29%
48 Months
▼
APR5.29%
Term48 Months
Last UpdatedMar 16, 2026
Details
As Low As
Shelter Insurance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.01%
1817 W Broadway, Columbia, MO, 65218
Autos & Trucks (new and used)
5.29%
0-12
▼
APR5.29%
Term0-12
Last UpdatedMar 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2018-2024
5.35%
6 Months
▼
APR5.35%
Term6 Months
Last UpdatedMar 17, 2026
Details
As Low As; 6 YEAR REPAY
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
5.35%
1 - 48
▼
APR5.35%
Term1 - 48
Last UpdatedMar 20, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
1710 Ne Douglas St, Lees Summit, MO, 64086
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
4545 S Noland Rd, Independence, MO, 64055
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (1-3 Years)
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (4-7 Years)
5.49%
Up to 72 Months
▼
APR5.49%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 15, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.50%
96-107 Months
▼
APR5.50%
Term96-107 Months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2021 and Newer)
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 84 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.50%
2027 Mo
▼
APR5.50%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
5.50%
61-72
▼
APR5.50%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Members 1st Credit Union Saint Louis, MO
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
4702 Mattis Rd, Saint Louis, MO, 63128
New & Used Auto 2023-2026
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
call for additional loan terms
JM Associates Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
3120 Rider Trl S, Earth City, MO, 63045 1518
Used Cars & Trucks 2020-2026
5.59%
72 Months
▼
APR5.59%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
5.60%
49 - 72
▼
APR5.60%
Term49 - 72
Last UpdatedMar 20, 2026
Details
Gateway Metro Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
1001 Pine St, Saint Louis, MO, 63101
New And Used Vehicle Loans 73 to 84 months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 16, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 18, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
New or Used Vehicles 2025 to 2026
5.75%
7 Months
▼
APR5.75%
Term7 Months
Last UpdatedMar 17, 2026
Details
As Low As; 7 YEAR REPAY
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2915 W Truman Blvd, Jefferson City, MO, 65109 0580
New and Used Vehicle Loan
5.75%
Up to 120 months
▼
APR5.75%
TermUp to 120 months
Last UpdatedMar 18, 2026
Details
loan balance $75,000 or more
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
5.75%
2027 Mo
▼
APR5.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
Academic Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
2804 W Ash St, Columbia, MO, 65203 4601
Used Auto
5.75%
60 Months
▼
APR5.75%
Term60 Months
Last UpdatedMar 16, 2026
Details
As Low As; Up to 100% NADA Retail
Alltru Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.67%
1232 Wentzville Pkwy, Wentzville, MO, 63385 3868
Auto Loan New / Used 2021-Newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
New & Used Vehicle
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
5.99%
63 Months
▼
APR5.99%
Term63 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMar 15, 2026
Details
PennTech Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
805 W Stadium Blvd, Jefferson City, MO, 65109
Used Vehicles 2014-2017
6.00%
5 Months
▼
APR6.00%
Term5 Months
Last UpdatedMar 17, 2026
Details
As Low As; 5 YEAR REPAY
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2020 to 2017)
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 72 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.00%
2027 Mo
▼
APR6.00%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.09%
Up to 63
▼
APR6.09%
TermUp to 63
Last UpdatedMar 15, 2026
Details
As Low As; months
Mainstreet Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.79%
8451 N Madison Ave, Kansas City, MO, 64155 2779
Used Vehicle
6.24%
75 Months
▼
APR6.24%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Burlington Northtown Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
1002 Swift Ave, North Kansas City, MO, 64116 4128
Auto Loans - Used 2025 or older Max age 15 years
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
/ln > $20k
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2020 - 2022 Used Vehicle Loan
6.25%
1 - 48
▼
APR6.25%
Term1 - 48
Last UpdatedMar 20, 2026
Details
FRB Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.96%
FEDERAL RESERVE BANK OF ST LOUIS, Saint Louis, MO, 63102
Used Auto
6.29%
72 Months
▼
APR6.29%
Term72 Months
Last UpdatedMar 16, 2026
Details
As Low As
St Louis Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.07%
3651 Forest Park Ave, Saint Louis, MO, 63108
Used Auto (2018-2024)
6.39%
64-72
▼
APR6.39%
Term64-72
Last UpdatedMar 15, 2026
Details
As Low As; months
Members Choice Credit Union Ashland, KY
Institution Rating:
A5.0 ★ Texas Ratio: 7.39%
663 W Highway 60, Monett, MO, 65708 8215
Used Autos (8-10 Years)
6.49%
Up to 60 Months
▼
APR6.49%
TermUp to 60 Months
Last UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
3805 Union Rd, Saint Louis, MO, 63125 4320
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMar 15, 2026
Details
Health Care Family Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.75%
2114 S Big Bend Blvd, Saint Louis, MO, 63117 2406
Used Auto > 7 Years
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates determined by creditworthiness of applicant. Rate includes 0.20% discount for payroll deducted payments & active checking account.
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2020 - 2022 Used Vehicle Loan
6.50%
49 - 72
▼
APR6.50%
Term49 - 72
Last UpdatedMar 20, 2026
Details
First Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
17151 Chesterfield Airport Rd, Chesterfield, MO, 63005 1411
Used Auto Loans
6.50%
73-84
▼
APR6.50%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Missouri Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
825 NE Deerbrook St, Lees Summit, MO, 64086 6750
2023 - 2026 Used Vehicle Loan
6.60%
73 - 84
▼
APR6.60%
Term73 - 84
Last UpdatedMar 20, 2026
Details
Legacy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
3202 Indiana Ave, Joplin, MO, 64804 4037
Used Vehicles (2016 and Older)
6.75%
60 Months
▼
APR6.75%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 60 months max term
Arsenal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.76%
3780 Vogel Rd, Arnold, MO, 63010
Used Car: 2017-2027 Models
6.75%
2027 Mo
▼
APR6.75%
Term2027 Mo
Last UpdatedMar 16, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Vandalia, 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 Vandalia, 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 Vandalia, Missouri typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Vandalia, Missouri?
Based on our current data, some of the lowest auto loan rates available in Vandalia, Missouri include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Mercy Credit Union: 3.74% (New Vehicles 2025-2026)
- FRB Federal Credit Union: 3.99% (New Auto)
- Burlington Northtown Community Credit Union: 3.99% (Auto Loans - New (2025 or Newer))
- County Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Vandalia, Missouri. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
