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 181–195 of 276 in Texas · median 4.99% APR
- 5.25%APRas low as
Terms
'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Stated as 'As low as 5.25% APR*' for term 60 Months. No model older than 7 years old. Up to 0.50% relationship discount available.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates are based on creditworthiness. Subject to credit approval.
Auto loan score 77 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Model years 2019-2026; starting at 5.25% APR
Auto loan score 77 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as · up to 17.50%
5.25% APR, up to 17.50%
Terms
Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.26%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 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
New and Used Models 2022 and Newer. Must qualify for the lowest rate.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as
Terms
Model year 2027–2023. 'As low as' rate.
Auto loan score 76 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 18.00%
5.30% APR, up to 18.00%
Terms
Credit score tiers from 730+ (A+) at 5.30% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%.
Auto loan score 76 · Carrot Score 67
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 - 5.39%APRas low as
Terms
Model year 2025 and newer; max term up to 60 months.
Auto loan score 76 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
Base rate. Rate and terms are based on the borrower's credit rating.
Auto loan score 75 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 5.40%APRas low as
Terms
A credit tier. APR as low as stated.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.44%APRas low as
Terms
Year-Model: 2023 – 2026. Rate depends on credit score. Additional 0.15% discount for 80% LTV available. Subject to credit approval.
Auto loan score 75 · Carrot Score 88
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