Compare Bank & Credit Union Rates
Best auto loan rates in Amarillo, TX
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 1–10 of 10 in Amarillo, TX · median 5.24% APR
- 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes both qualifying discounts. Rate is based on individual credit score and term.
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Lowest Auto Rate APR. Rates may vary depending on each borrower's credit history, loan-to-value, collateral type, loan term, and the credit union's underwriting standards.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Education Credit UnionAutomobile (Cars, Vans, Pickups) Loans · 61–72 months
Credit union · 6 branches
4.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts.
Auto loan score 74 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Access Community Credit UnionAuto Loans - New Vehicles - 5 years and newer · 37–72 months
Credit union · 3 branches
5.49%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Santa Fe Federal Credit UnionNew and Used Vehicles (2026 - 2021) · up to 84 months
Credit union · 2 branches
6.99%APRas low asTerms
Fixed Rate. New Vehicles Only.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 8.24%APRas low as
Terms
APR as low as stated. 96-month terms are available exclusively for A-tier members. Loan approval is based on creditworthiness.
Auto loan score 76 · Carrot Score 80
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 Amarillo, TX
10 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.69%
- Banks, typical
- 5.94%
- Credit unions, typical
- 4.87%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Amarillo, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- The People's Federal Credit UnionCredit union · 4 branches
- Amarillo National BankBank · 15 branches
- ALLIANCE Credit UnionCredit union · 1 branch