Auto Loans · Kansas City, Kansas
4 credit unions in Kansas City report car loan rates to the NCUA. Rates range from 3.25% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
3.25%
Lowest New Car Rate
7.31%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | RELIANCE ★ 3.9 · 11 reviews | 3.25% | 6.00% |
| 2 | MIDWEST REGIONAL ★ 3.3 · 28 reviews | 4.99% | 4.99% |
| 3 | K C K FIREMEN & POLICE ★ 5.0 · 5 reviews | 9.00% | 13.00% |
| 4 | KC FAIRFAX ★ 4.6 · 10 reviews | 12.00% | 15.25% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | MIDWEST REGIONAL ★ 3.3 · 28 reviews | 4.99% | 4.99% |
| 2 | RELIANCE ★ 3.9 · 11 reviews | 6.00% | 3.25% |
| 3 | K C K FIREMEN & POLICE ★ 5.0 · 5 reviews | 13.00% | 9.00% |
| 4 | KC FAIRFAX ★ 4.6 · 10 reviews | 15.25% | 12.00% |
A pre-approval from a Kansas City credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Kansas City in the same window and take the best offer.
See member reviews, branch locations, and full rate details.