In the market for a used car? These tips from Vantage could help!
Buying a vehicle is a significant purchase. Typically, vehicle payments account for 10% of the average consumer’s income.
Vantage Auto Loans
Earn $100* when you move your auto loan.
It pays to move your auto loan to Vantage Credit Union and take advantage of our competitive auto loan rates.
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*$10,000 minimum loan. Valid only for a refinance of a non-Vantage personal use vehicle loan. Offer does not apply to refinancing an existing Vantage Credit Union vehicle loan. Restrictions apply. View Rates.
No Payments Up to 90 Days*
Give your budget some relief. For a limited time, you could enjoy no payments for up to 90 days* when you open an auto loan!
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*Offer available for auto loans with an application date from December 1, 2025 - January 31, 2026. Must close on loan by February 16, 2026.
ST. LOUIS Auto Rates
Compare new and used auto loan rates.
Whether you're buying new, used or refinancing, Vantage members enjoy competitive rates, flexible terms and personalized service from neighbors who know the St. Louis auto market.
4.99%
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5.49%
Apr^
7.74%
Apr^
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^APR=Annual Percentage Rate. Best rates quoted. Automobiles up to 110% MSRP or JD Power retail value. Rates, terms, and maximum loan-to-value (LTV) subject to credit qualifications, vehicle age, as well as other factors. View Rates.
Simple Steps
How to secure an auto loan.
Check your credit score
Better scores typically mean better rates — check your estimated score right in our Vantage app to see where you stand.
Set a realistic budget
Calculate what payment fits your lifestyle, including insurance and maintenance costs.
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Shop with confidence
With Vantage pre-approval in hand, you'll have negotiating power at the dealership without financing worries.
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Financial tool
Membership perks
Members get more.
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Get your personalized consultation!
Complete this quick form and our team will be in touch to help you find the right loan for your needs!
Can’t wait? Find a Location Near You
Can’t wait? Find a Location Near You
We have answers
FAQs
How long can I finance?
Depending on the model year, the term for an auto loan can go up to 84 months.
How quickly could I get an auto loan if I meet credit qualifications?
As long as you have all of the necessary documentation and you're approved, your auto loan could be closed on the same day you apply.
What information do I need for an auto loan?
To apply for and close on an auto loan, you’ll need proof of insurance, along with the make, model, year, mileage and VIN of the vehicle you’re looking to finance. If refinancing, you’ll need to provide the payoff information for your current vehicle.
Will my credit score affect my auto loan approval and rate?
Yes, your credit score will impact the rate, term, and amount you can borrow.
Can I apply for pre-approval before shopping for a vehicle?
Yes, you can apply for pre-approval online or in a branch. Final approval is dependent on the value and condition of the vehicle you are trying to finance.
Featured Articles
Find more financial insights with help from Vantage.
Auto ownership adds up! How does your monthly payment get calculated?
If you own a vehicle—or you’re in the market for a different one—you know that the cost of ownership goes beyond your monthly loan payment.
Could You Use $100?
With a refinanced loan from Vantage, you could benefit from a lowered interest rate AND cash back.
Which Offer Could Save You More: Low Rate or Cash Rebate?
Is your head spinning with all the dealership promotions thrown at you? As if selecting a vehicle weren’t hard enough, figuring out pricing can be a bit of a challenge.