Save on a Vantage auto loan with rates as low as 4.49% APR† for new members!

Get the most out of automotive financing with Vantage:

  • NEW MEMBER SPECIAL: Rates as low as 4.49% after 0.5% APR discount.† Promo code required.
  • $100 cash back when refinancing from another institution‡

Fill out the form to access your promo code and claim your APR discount!

(example: 3142980055)

By submitting this form, you agree to receive email communication and offers from VCU and their wholly owned subsidiaries in accordance with our Privacy Notice.

† APR=Annual Percentage Rate and is based on applicant creditworthiness and collateral. Offer expires 12/31/2026. Must mention offer code on loan application to receive a 0.5% APR reduction on the posted interest rate for which you qualify. Valid for a new or used personal use vehicle loan or refinance of a personal use vehicle loan from a different financial institution with a model year of 2012 or newer only. Offer is valid only for applicants who are not VCU members at the time of application. Certain restrictions may apply. Offer does not apply to refinancing an existing Vantage Credit Union vehicle loan. Cannot be combined with any other vehicle loan offers. Payment example: a $20,000 loan at 4.49% for 48 months would be approximately $455.98 monthly.

‡ $10,000 minimum loan. Refinancing is only for non-Vantage vehicle loans. Qualified cash back amount will be deposited into a Vantage savings or checking account at loan closing.
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.
2022 – New Auto Loan
4.99%
Apr^
2017 – 2021 Auto Loan
5.49%
Apr^
2012 – 2016 Auto Loan
7.74%
Apr^
View Details

^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.

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“Vantage Credit Union continues to offer high quality service and dependability over the years. I should know—I’ve been a member for 46 years as a public school teacher!”
Maureen Clancy-May Member since 1979
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“Starting with Vantage at such a young age was helpful because they were able to really set me up to be financially literate as an adult.”
Jessica Caldwell Member since 2008
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“I believe my entire life has been financed by Vantage.”
Chrissy Sachs Member since 1989
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“Because of the financial literacy that I have learned through Vantage and all their programs they offer, my credit score has increased 300 points.”
Carrie Knight Member since 2012

Why choose Vantage for your next auto loan?

  • Local service
  • Competitive rates
  • Flexible terms
  • No penalty for early payoff
  • Pre-approval available