Save on your next auto loan
Your Low-Rate Auto Lender in St. Louis
When you choose us as your auto loan lender, you get a better deal, plain and simple. With rates as low as possible at Arsenal and auto loan terms up to 84 months available, your monthly car payments are more affordable. We know you need to get into your car quickly. When you apply online (through online banking or our easy-to-use portal), in person at one of our branches or at dealerships that offer on-the-spot Arsenal financing, you’ll receive a quick decision.
Why choose Arsenal?
On top of low monthly rates and flexible terms, you’ll save money on add-on options we offer. When you buy a vehicle from Carvana, you can get a $100 cash reward from Love My Credit Union Rewards in addition to a low monthly car payment.
Calculate your auto loan payment
Using our auto loan calculator below, you can see how much your monthly car payment could potentially be. See what your potential monthly car payment rate will be based on the type of loan you need for the age of the car you want to finance.
You can also check out answers to common questions regarding auto loans. If you’re stuck paying too much on your current auto loan, please visit our refinancing page to see if you can lower your monthly car payment.
Here are a few more reasons to finance with us.
- 1
Related costs can be rolled into your loan
We'll finance up to 125% of the purchase price (taxes, dealer handling charges, extended service contract, GAP insurance, Debt Protection with Life Plus) on new vehicles and up to 125% of current NADA retail value on 2015-2022 used models, depending on your creditworthiness.Learn More
- 2
Room for your budget to breathe
We know some months can be difficult. With our unique skip-a-pay program, you can postpone your payment once every 12 months, up to five times total, with no penalties and no potential dings to your credit score. Learn More.
- 3
No credit history? No problem.
Our first-time borrower program is an excellent way to get a no-credit car loan. We offer a special rate and 60-month terms for those without any previous credit history. Learn More
Auto Loan Rates
| APR* | Term |
|---|---|
| 2.49% APR-19.25% APR | 0-36 months |
| 3.49% APR-19.75% APR | 37-48 months |
| 4.24% APR-19.75% APR | 49-63 months |
| 4.74% APR-19.75% APR | 64-72 months |
| 5.99% APR-12.99% APR | 73-84 months |
New auto loan (current and last model year, not titled) - Up to 125% of purchase price financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 8-15-2022.
| APR* | Term |
|---|---|
| 2.49% APR-19.25% APR | 0-36 months |
| 3.49% APR-19.75% APR | 37-48 months |
| 4.24% APR-19.75% APR | 49-63 months |
| 4.74% APR-19.75% APR | 64-72 months |
| 5.99% APR-12.99% APR | 73-84 months |
Current and last year's models previously titled - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 8-15-2022.
| APR* | Term |
|---|---|
| 2.74% APR-19.75% APR | 0-36 months |
| 3.74% APR-20.25% APR | 37-48 months |
| 4.49% APR-20.25% APR | 49-63 months |
| 5.24% APR-20.25% APR | 64-72 months |
| 6.24% APR-13.74% APR | 73-84 months |
Models that are 3-5 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 8-15-2022.
| APR* | Term |
|---|---|
| 3.74% APR-20.00% APR | 0-36 months |
| 4.74% APR-20.50% APR | 37-48 months |
| 5.49% APR-20.50% APR | 49-63 months |
| 5.99% APR-20.50% APR | 64-72 months |
| 6.74% APR-9.74% APR | 73-84 months |
Models that are 5-9 years old - Up to 125% of current NADA retail value financed (including taxes, dealer handling charges, warranty and insurance) based on creditworthiness.
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 8-15-2022.
| APR* | Term |
|---|---|
| 5.75% APR-21.00% APR | 0-36 months |
| 6.25% APR-21.50% APR | 37-48 months |
| 8.25% APR-21.50% APR | 49-63 months |
Older Models (2012-1990) - Up to 95% of current NADA retail value financed
*APR = Annual Percentage Rate, subject to change and based on creditworthiness. Rates as of 8-15-2022.
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Loan Calculator
Format: 12m, 36m, 3y, 7y