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 151–165 of 276 in Texas · median 4.99% APR
- 4.99%APRas low as
Terms
Rates starting at 4.99%. Approx. Pmt. (Per $1,000.00): $18.87. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Education Credit UnionAutomobile (Cars, Vans, Pickups) Loans · 61–72 months
Credit union · 11 branches
4.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts.
Auto loan score 74 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Rate as low as; based on borrower's credit worthiness. Term up to 60 months, based on amount financed.
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Grand Prairie Credit UnionSummer Loan Special - New Vehicles · up to 72 months
Credit union · 1 branch
5.00%APRas low asTerms
As low as 5.00% up to 72 months.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Nueces County Employees Credit UnionSizzling Hot Summer Auto Loans · up to 72 months
Credit union · 1 branch
5.00%APRas low asTerms
Credit tier A; With Approved Credit (WAC); valid September 1st thru September 30th
Auto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing. Financing up to 120% of Sticker Price (MSRP).
Auto loan score 82 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
100% Financing. Rates reflect best rates and are subject to change without prior notice.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as
Terms
Fixed APR of 5% for a 5-year term. Requires credit score of 700+ and 2020 model year or newer vehicle.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.00%APRas low as · up to 11.00%
5.00% APR, up to 11.00%
Auto loan score 78 · Carrot Score 67
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 - Natural Resources Conservation Service FCUNew Auto Loans (2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle) · up to 72 months
Credit union · 1 branch
5.00%APRas low as · up to 15.25%5.00% APR, up to 15.25%
Terms
Does not include available discounts. Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 81 · Carrot Score 93
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 - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
For qualified borrowers only. Rates vary based on credit score.
Auto loan score 81 · Carrot Score 82
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 16–23
- Typical
- 4.99%
- Top 10% up to
- 4.24%
- Banks, typical
- 5.72%
- 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