Bank · FDIC insured
Extraco Banks Auto Loan Rates
Extraco Banks auto loans start at 5.70% APR for a new vehicle and 5.70% for a used one. Rates checked October 16, 2026.
How Extraco Banks’s auto loan rates compare
Compared with banks and credit unions near Killeen, TX, where Extraco Banks has the most branches. New vehicle, lowest advertised APR first.
This bank’s lowest
Extraco Banks
5.70%APR
- Terms
- up to 66 months
- Discount
- None included
Auto Loans
Lowest rate
PenFed Credit Union
3.84%APR
- Terms
- up to 60 months
- Discount
- None included
2nd-lowest rate
Texell Credit Union
4.24%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Extraco Banks auto loan score
70
Auto loan score
Higher than 27% of U.S. banks and credit unions
- New vehicleNew5.70%
- Used vehicleUsed5.70%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Extraco Banks ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loans
Subject to credit review and approval. No origination fee. 60 days with no payments offer available (interest accrues during no payment period). Extended terms available up to 84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 75 months | 5.95% | New & Used: 2026; 2025, 2024 |
| up to 66 months | 5.70% | New & Used: 2026; 2025, 2024, 2023, 2022 |
| up to 60 months | 5.70% | 2021 |
| up to 54 months | 5.70% | 2020 |
| up to 42 months | 5.70% | 2019 |
| up to 36 months | 5.70% | 2018 |
| up to 36 months | 6.55% | 2017 |
Sources (3)
- extracobanks.com/loans/auto-loans
- extracobanks.com/loans/consumer-loan-options
- extracobanks.com/personal/current-rates
All captured Oct 16, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.