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Auto Loans

We offer competitive programs on new or used automobile loans. Terms up to 60 months. Financing also available for other methods of transportation (boats, RVs, motorcycles, etc.) and on commercial vehicles.

Term

Interest Rate

Annual Percentage Rate (APR)

Auto (New*) - 36 Months

7.25%

7.255%

Auto (New*) - 48 Months

8.00%

8.005%

Auto (New*) - 60 Months

8.75%

8.756%

Auto (Used**) - 36 Months

8.375%

8.381%

Auto (Used**) - 48 Months

8.625%

8.631%
Interest rates, annual percentage yields and annual percentage rates quoted above are as of January 2, 2024, and are subject to change without notice. Please call Clay County Savings Bank's loan department, (816) 781-4500, during normal business hours for current interest rates on loans.

* Rate is applicable for loans secured by new vehicles (model years 2023 & 2024 with 6,000 miles or less). Loan amount is not to exceed 80% of purchase price.

**Rate is applicable for loans secured by used vehicles (model years 2020 through 2022 or model years 2023 & 2024 with more than 6,000 miles). Loan amount will be based on NADA loan values. Contact us for loan values.

For loans secured by other vehicles, please contact a loan officer.

APR on consumer loans based on a loan amount of $25,000. Interest rate and APR quoted on auto loans are for preferred customers only with a minimum credit score of 680.