Compare Bank & Credit Union Rates
Best auto loan rates in Houston, 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 16–30 of 62 in Houston, TX · median 5.14% APR
- Houston Texas Fire Fighters Federal Credit UnionVehicle Loans · 49–84 months
Credit union · 2 branches
4.50%APRas low as · up to 11.50%4.50% APR, up to 11.50%
Terms
Fixed Rate APR based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 11.94%with conditions
4.69% APR, up to 11.94%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new and used vehicles up to 60 months. Rates include Lone Star Rewards Discounts.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
Auto loan score 87 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 17.99%with conditions
4.75% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment.
Auto loan score 77 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
71 months repayment term. Includes all applicable discounts. Rate subject to change based on market conditions and borrower eligibility.
Auto loan score 81 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as 4.99%. Flexible terms up to 72 months. Financing available for new and used autos. Auto refinancing available.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates as low as based on creditworthiness, qualifications, and collateral conditions.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional offer: No payments for the first 90 days on qualifying auto loans funded from May to the end of July 2026 (payments are deferred, not waived; interest begins accruing from date funded and is added to the balance). APR includes a 0.25% rate discount with automatic payment.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR; rates determined by individual credit rating. Maximum financing term is 84 months.
Auto loan score 78 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as APR for 0 - 60 months. Qualifying model years: 2020 or newer. APR is fixed.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 15.84%with conditions
5.09% APR, up to 15.84%
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 81 · Carrot Score 83
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 Houston, TX
62 banks and credit unions · checked Oct 15–22
- Typical
- 5.14%
- Top 10% up to
- 4.15%
- Banks, typical
- 5.77%
- 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.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch