Auto Loans · Willow Springs, Missouri
1 credit union in Willow Springs report car loan rates to the NCUA. Lowest rate: 4.53%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
4.53%
Lowest New Car Rate
4.53%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTH CENTRAL MISSOURI | 4.53% | 6.92% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SOUTH CENTRAL MISSOURI | 6.92% | 4.53% |
A pre-approval from a Willow Springs 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 Willow Springs in the same window and take the best offer.
See member reviews, branch locations, and full rate details.