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 16–30 of 276 in Texas · median 4.99% APR
- 3.99%APRas low as
Terms
New vehicle loan.
Auto loan score 94 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - Prestige Community CUNew Vehicle Loan (Car / Truck / SUV) · up to 60 months
Credit union · 2 branches
3.99%APRas low as · up to 18.00%3.99% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 94 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for 36-84 months. Rate includes discounts up to 90 bps for protection products; vehicles > 6 model years or >= 100,000 miles add 100 bps.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 18.00%with conditions
3.99% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.00%APRas low as
Terms
Model year 2016-New. Credit score Tier 1: 750 and up.
Auto loan score 94 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.14%APRas low as
Terms
Rate is 'as low as' based on credit score, loan term, and relationship discounts. Footnote 1 provides payment example of $25,000 at 5.39% APR for 60 months. Maximum APR up to 18%.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - Abilene Teachers Federal Credit UnionNew Auto Loans - Cars and Light Trucks · 1–84 months
Credit union · 4 branches
4.15%APRas low as · up to 15.40%with conditions4.15% APR, up to 15.40%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model year 2026. Lowest available base rate with no discounts is 4.90% APR. Rates reflect all available discounts.
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.17%APRas low as
Terms
Rates and terms vary and are based on credit score and collateral. Electric Vehicle Loan rates may differ.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
October Auto Loan Special valid October 1-31, 2026. Finance a new or used vehicle or refinance an eligible auto loan; enjoy no payments for 90 days (interest accrues during 90-day period). May qualify for up to 0.75% off rate through HCFCU relationship discount. Rates based on credit history, loan term, collateral, and down payment.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate.
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment $18.53 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
Auto loan score 88 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
As low as rate starts at 36-month term for well-qualified borrowers. Loan terms up to 84 months available on qualifying vehicle loans. Rate discounts up to 1.00% off for Credit Life/Disability, Warranty, Member Loyalty, and down payment bringing vehicle equity <= 80%.
Auto loan score 92 · Carrot Score 87
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 16–22
- Typical
- 4.99%
- Top 10% up to
- 4.24%
- Banks, typical
- 5.70%
- 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