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 256–270 of 276 in Texas · median 4.99% APR
- 6.24%APRas low as
Terms
Actual rate may vary based upon an individual's credit rating. New vehicle purchase financed up to 125% of dealer invoice, used vehicle up to 125% NADA Trade Value. Up to 72 months on some autos.
Auto loan score 65 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Terms
Current Year Vehicles
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as
Auto loan score 64 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 13.85%
6.25% APR, up to 13.85%
Auto loan score 64 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 6.25%APRas low as · up to 17.25%
6.25% APR, up to 17.25%
Terms
Base rate is 7.25%. New Auto Loans can get an extra 1% off approved rate with approved credit.
Auto loan score 63 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 6.35%APRas low as · up to 15.00%with conditions
6.35% APR, up to 15.00%
This rate needs autopay.
Terms
Reduce APR by 0.25% for automatic payment from a Share Savings or Share Draft account with Cal-Com Federal Credit Union or with payroll deduction to your new or used vehicle loan. Actual rates are based on individual credit worthiness and length of loan. All loans are subject to credit approval.
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As of September 23, 2026. Fixed-rate loan amortized over 5 years (60 months). Includes discount for autodraft from a First Citizens checking account. APR based upon an interest rate of 6.25% and an origination fee of $100. Up to 84-month terms available for new auto loans / loans greater than $50,000.
Auto loan score 63 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 6.44%APRas low as
Terms
New Autos (2024 & 2025). As low as rate.
Auto loan score 64
Rate checked · Auto loans rates on its site
Rates and branches - 6.49%APRas low as · up to 17.99%
6.49% APR, up to 17.99%
Terms
APRs start at 6.49% and will not exceed 17.99%. Repayment periods set to a maximum of 72 months based on contract terms, credit application/report, and borrowed amount. Subject to credit approval and underwriting standards. Down payments may be required in some cases.
Auto loan score 63 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
New vehicle up to 84 months. Rates as low as based on creditworthiness.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Terms
APR as low as 6.50%. Terms up to 84 months. Same rate for new, used, or refinance.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 6.50%APRas low as
Auto loan score 63 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
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