Compare Bank & Credit Union Rates
Best auto loan rates in Texas
Compare the lowest advertised APRs for new and used vehicle loans from banks and credit unions, with terms, conditions and original sources.
Top new-car loan rates
Showing 1–15 of 276 in Texas · median 4.99% APR
- 2.95%APRas low as
Terms
Certain terms and conditions apply. Rates subject to change without notice.
Auto loan score 96 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 3.24%APRas low as · up to 14.49%with conditions
3.24% APR, up to 14.49%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate listed includes all available discounts granted based on services used at the Credit Union. APR is risk-based and determined by credit score.
Auto loan score 99 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.49%APRas low as
Terms
With 10% down payment.
Auto loan score 99 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'Pick Your Perk' promotional rate discount of 1.00% lower than applicant's qualified loan rate, with a minimum floor rate of 3.50% APR. Requires at least $5,000 of new money financed or refinanced from another institution and scheduled automatic repayments from a CCCU share or share draft account in good standing. Valid August 3, 2026 through October 30, 2026, or until 60 qualifying loans are approved and funded.
Auto loan score 98 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.54%APRas low as · up to 18.00%
3.54% APR, up to 18.00%
Terms
Fixed APR. 72-months for $40,000 and above. Lending rates are subject to credit criteria and approval.
Auto loan score 98 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.75%APRas low as
Auto loan score 97 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 3.79%APRas low as · up to 15.54%
3.79% APR, up to 15.54%
Terms
Terms: Up to 36 months – 84 Months. Maximum amount: Up to 125% MSRP and NADA Retail.
Auto loan score 97 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.94%APRas low as
Terms
Offer valid 10/01/2026 - 12/31/2026. Promotion applies to new and used auto loans and auto loans refinanced by another lender only. Excludes existing SWACU loans. Used auto loans have an additional 0.25% APR. Rates vary by creditworthiness and loan term. Pmt. Ex: 36 monthly payments of $1,770 for a $60,000 loan at 3.94% APR.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.98%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Year Models - 2025 & Newer. $35,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 2.75%APRas low as · up to 11.75%unusually low · being checked
2.75% APR, up to 11.75%
Terms
NEW vehicle; OCTOBER 6 - 30 promotional period; Rate and Term based on credit. Approval based on credit worthiness. No refinancing of existing MOPAC loans.
Auto loan score 92 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 2.99%APRas low asunusually low · being checked
Terms
Up to 100% financing on new vehicle loans upon approval. Flexible terms available.
Auto loan score 86 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.25%
3.99% APR, up to 17.25%
Terms
for used
Auto loan score 94 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.44%
3.99% APR, up to 17.44%
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches
Each institution’s lowest advertised APR for the vehicle, at terms that reach 60 months: usually its best-credit rate, so yours depends on your credit, the term and the vehicle. A rate that needs autopay, a checking account or similar says “with conditions”; More filters can leave those out. Refinance, lease buyout, recreational and promotional rates that have ended are left out, and a rate far below what other lenders advertise is listed lower down until it’s checked. Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates. How we rank
What new auto loans cost in Texas
276 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.24%
- Banks, typical
- 5.70%
- Credit unions, typical
- 4.99%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches