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 241–255 of 276 in Texas · median 4.99% APR
- 5.89%APRas low as · up to 15.24%
5.89% APR, up to 15.24%
Terms
49 to 78 Months. On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99.
Auto loan score 65 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 5.90%APRas low as
Terms
Rates subject to change without notice.
Auto loan score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
APR as low as stated. Rates based on credit history.
Auto loan score 66 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Fixed APR; monthly payment; rates start at stated APR
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - Jackson County Teachers Federal Credit UnionNew & Used Autos · up to 84 months
Credit union · 1 branch
5.99%APRas low asTerms
Fixed rate; rates start at stated APR; monthly payment
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 17.99%
5.99% APR, up to 17.99%
Terms
Interest will continue to accrue during the 90 day no payment period. Member must meet membership eligibility requirements.
Auto loan score 66 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
For loan terms of 72 months or less, minimum amount financed is $10,000.
Auto loan score 66 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 16.99%
5.99% APR, up to 16.99%
Terms
New Auto. Rate is subject to credit approval. 5.99% is a fixed rate for 84-month term only. Minimum loan amount is $25,000.
Auto loan score 66 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as
Terms
Fixed rate 'as low as' APR for 2027 – 2025 models. Credit score 740+ for lowest rate. Rate range 5.99% APR to 16.24% APR.
Auto loan score 65 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low as · up to 12.00%
5.99% APR, up to 12.00%
Terms
Rates by credit tier: Tier A+/A (680+) at 5.99% APR, Tier B (640-679) at 7.49% APR, Tier C (600-639) at 8.00% APR, Tier D (555-599) at 12.00% APR.
Auto loan score 64 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Standard rate based on Platinum FICO score 740+. Rates vary based on individual FICO score. Rates reflect 0.50% discount with Direct Deposit payment.
Auto loan score 62 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as
Auto loan score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.00%APRas low as · up to 18.00%
6.00% APR, up to 18.00%
Terms
Beacon score tiers 680+ to 549 or less. * = Base Rate; ** Score of 549 or less requires a 20% down payment.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%).
Auto loan score 64 · Carrot Score 77
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