Compare Bank & Credit Union Rates
Best auto loan rates in Texas
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 136–150 of 276 in Texas · median 4.99% APR
- 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 · up to 18.00%
4.99% APR, up to 18.00%
Terms
Ask your loan officer about rate specials and discounts
Auto loan score 83 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates and terms to fit all credit scores starting as low as 4.99% APR
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.50%
4.99% APR, up to 16.50%
Terms
Model Year: 2026 and 2027
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Cooperative Teachers Credit UnionNew Auto Loans (4 Years and Newer) · up to 72 months
Credit union · 2 branches
4.99%APRas low asTerms
Rates as low as 4.99%. Terms up to 72 months.
Auto loan score 80 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 12.00%
4.99% APR, up to 12.00%
Terms
Rates based on qualified credit and term of the loan.
Auto loan score 80 · Carrot Score 64
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
Auto loan score 78 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 78 · Carrot Score 87
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
Auto loan score 78
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as stated. Subject to credit approval and membership qualifications.
Auto loan score 78 · Carrot Score 75
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
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 Texas
276 banks and credit unions · checked Oct 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.24%
- Banks, typical
- 5.70%
- 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.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches