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 46–60 of 62 in Houston, TX · median 5.14% APR
- 5.64%APRas low as
Terms
Vehicle age: New 2025/2026
Auto loan score 66 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required.
Auto loan score 69 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 64 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Rate as low as 5.79% APR for terms up to 66 months.
Auto loan score 68 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
APR as low as stated. Rates based on credit history.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 16.99%
5.99% APR, up to 16.99%
Terms
New Auto. Rate is subject to credit approval. 5.99% is a fixed rate for 84-month term only. Minimum loan amount is $25,000.
Auto loan score 66 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 18.00%
6.00% APR, up to 18.00%
Terms
Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%).
Auto loan score 64 · Carrot Score 77
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 - 6.25%APRas low as
Terms
Current Year Vehicles
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Auto loan score 63 · Carrot Score 73
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