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 31–45 of 276 in Texas · median 4.99% APR
- 4.25%APRas low as
Terms
Rate is 'As low as'.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
As low as 4.25%. Up to 72 months financing, 100% financing for qualified buyers.
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Fixed APR. $25,000 minimum Sticker Price.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.25%
4.25% APR, up to 14.25%
Terms
Term: 60 months or less.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%with conditions
4.25% APR, up to 16.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.27%APRas low as · up to 15.47%
4.27% APR, up to 15.47%
Terms
APR varies by credit tier (A+ to E). 100% financing available for qualified borrowers.
Auto loan score 92 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as · up to 17.99%
4.29% APR, up to 17.99%
Terms
Model years 2025-2024. Down payment as low as 0%.
Auto loan score 92 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.34%APRas low as
Terms
Model years 2025 & newer. Stated as low as.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Rates as low as 4.35% APR for 60 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate.
Auto loan score 91 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Rate as low as 4.35% APR for terms up to 60 months; reduced by 0.10% APR if application is submitted online.
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.39%APRas low as
Terms
As low as 4.39% APR. Rate based on creditworthiness and term of loan.
Auto loan score 91 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.40%APRas low as
Terms
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services.
Auto loan score 88 · Carrot Score 84
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