Compare Bank & Credit Union Rates
Best auto loan rates in Midland, 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 1–11 of 11 in Midland, TX · median 5.24% APR
- 3.99%APRas low as
Terms
New vehicle loan.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Rates as low as; your rate may vary from the stated rate and will be determined by your credit history and repayment option. New & Used Vehicles, RVs, Watercraft & Misc. Collateral Items.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 1st Community Federal Credit UnionNew Automobiles & Light Trucks · up to 60 months
Credit union · 1 branch
4.75%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit.
Auto loan score 82 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 18.00%
4.90% APR, up to 18.00%
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness.
Auto loan score 70 · Carrot Score 64
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 - 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 - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
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
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 Midland, TX
11 banks and credit unions · checked Oct 16–22
- Typical
- 5.24%
- Top 10% up to
- 4.70%
- Banks, typical
- 5.86%
- Credit unions, typical
- 4.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Midland, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Complex Community Federal Credit UnionCredit union · 2 branches
- Heritage USA Federal Credit UnionCredit union · 2 branches
- UMB BankBank · 1 branch