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 226–240 of 276 in Texas · median 4.99% APR
- 5.69%APRas low as · up to 14.29%with conditions
5.69% APR, up to 14.29%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Vehicle model year 2023 and newer. Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term. 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid.
Auto loan score 71 · Carrot Score 88
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 - 5.70%APRas low as · up to 7.95%
5.70% APR, up to 7.95%
Terms
Subject to credit approval. Terms, conditions, and restrictions apply. Existing Security First Credit Union auto loans are not eligible for refinancing.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 69 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as
Terms
Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required.
Auto loan score 69 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low as · up to 17.49%
5.74% APR, up to 17.49%
Terms
New and used auto loans for terms of 60 months or less. Lower rates apply to well-qualified applicants.
Auto loan score 69 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects 0.25% discount for automatic payments. Minimum loan amount $5,000. Limited time offer.
Auto loan score 65 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 64 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - Member Preferred Federal Credit UnionNew & Used Vehicle Loans · up to 60 months
Credit union · 1 branch
5.75%APRas low as · up to 15.50%5.75% APR, up to 15.50%
Terms
Credit tiers A through E
Auto loan score 68 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Credit score A / 700+.
Auto loan score 68 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.75%APRas low as
Terms
Terms up to 60 months
Auto loan score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Rate as low as 5.79% APR for terms up to 66 months.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.85%APRas low as
Auto loan score 68 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.89%APRas low as
Terms
APR as low as based on creditworthiness. Applies to new, used, or refinance.
Auto loan score 68 · Carrot Score 76
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