Compare Bank & Credit Union Rates
Best auto loan rates in Waco, 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 1–15 of 15 in Waco, TX · median 4.99% APR
- 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment $18.53 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Terms
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.74%APRas low as · up to 16.49%
4.74% APR, up to 16.49%
Terms
Subject to credit approval. Interest rate ranges from 4.70% to 16.45%. A $45.00 admin fee is added to the loan amount. No application fee and no prepayment penalty. Proof of insurance required prior to loan funding.
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as · up to 17.84%
4.84% APR, up to 17.84%
Terms
Term available based on credit score.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.84%APRas low as
Terms
Vehicle Year: 2023-2026. Rate advertised as low as. Stated schedule-wide APRs range between 5.59% to 18.00% APR based on credit score, loan type and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 86 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - GENCO Federal Credit UnionVehicle Loans (New & Used) All Models · up to 66 months
Credit union · 1 branch
4.94%APRas low asTerms
Approximately 66 months term. As low as rates based on a credit score of 730+. Payment example: $18.86 per $1,000.00 financed at 4.94% APR for 66 months.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New auto rates starting as low as 4.99% (APR=Annual Percentage Rate*) for 72 months. Subject to credit approval.
Auto loan score 76 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Starting at 5.00% Annual Percentage Rate
Auto loan score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Annual Percentage Rate is as low as.
Auto loan score 79 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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 - 5.70%APRas low as
Terms
New & Used: 2026; 2025, 2024, 2023, 2022
Auto loan score 70 · Carrot Score 80
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 Waco, TX
15 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.63%
- Banks, typical
- 5.49%
- Credit unions, typical
- 4.90%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Waco, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texell Credit UnionCredit union · 1 branch
- GENCO Federal Credit UnionCredit union · 4 branches