Best Auto Loans in Missouri

New and used auto purchase loans plus auto refinancing options from national and regional lenders. In Missouri, personal loans are not subject to a state APR cap for licensed consumer lenders, overseen by the Missouri Division of Finance.

Missouri Lending Overview

Personal Loan APR cap

No cap

Median Home Price

$255,000

Median Household Income

$67,000

Avg Student Debt

$35,650

State Regulator

Missouri Division of Finance

Notable law: Missouri imposes no statutory interest rate cap on consumer loans or payday products, making it one of two states (with Delaware) with virtually no usury ceiling for licensed lenders.

8 Auto Loans Lenders serving Missouri

Best Egg

Auto Loans

4.1

APR Range: 7.99% – 29.99%
Loan Amount: $2,000 – $50,000
Min Credit Score: 660

Available to residents of Missouri

Apply at Best Egg

Better Mortgage

Auto Loans

4.0

APR Range: 6.30% – 7.50%
Loan Amount: $50,000 – $2,000,000
Min Credit Score: 620

Available to residents of Missouri

Apply at Better Mortgage

Bluevine

Auto Loans

3.9

APR Range: 4.80% – 95.00%
Loan Amount: $1,000 – $500,000
Min Credit Score: 620

Available to residents of Missouri

Apply at Bluevine

Capital One Auto

Auto Loans

4.1

APR Range: 5.09% – 19.99%
Loan Amount: $4,000 – $250,000
Min Credit Score: 600

Available to residents of Missouri

Apply at Capital One Auto

Earnest

Auto Loans

4.2

APR Range: 3.95% – 9.99%
Loan Amount: $5,000 – $500,000
Min Credit Score: 670

Available to residents of Missouri

Apply at Earnest

LightStream

Auto Loans

4.3

APR Range: 6.49% – 24.89%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Missouri

Apply at LightStream

LightStream Auto

Auto Loans

4.2

APR Range: 6.49% – 20.49%
Loan Amount: $5,000 – $100,000
Min Credit Score: 700

Available to residents of Missouri

Apply at LightStream Auto

OnDeck

Auto Loans

3.5

APR Range: 10.99% – 99.00%
Loan Amount: $5,000 – $400,000
Min Credit Score: 625

Available to residents of Missouri

Apply at OnDeck

Missouri Lending Laws

Missouri imposes no statutory interest rate cap on consumer loans or payday products, making it one of two states (with Delaware) with virtually no usury ceiling for licensed lenders.

The primary regulator for consumer lending in Missouri is the Missouri Division of Finance. Borrowers with complaints about a lender can file reports directly with that agency or with the federal Consumer Financial Protection Bureau (CFPB).

Frequently Asked Questions

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