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 46–60 of 276 in Texas · median 4.99% APR
- 4.40%APRas low as · up to 13.40%
4.40% APR, up to 13.40%
Terms
Credit scores 700+ to 549 or less; rates vary by credit score
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate 'as low as'. APR requires full direct deposit; to qualify for the 0.50% direct deposit discount, a minimum of $1,000 per month in direct deposits for two consecutive months is required. Up to 120% financing on approved credit.
Auto loan score 89 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Payment per $1,000 is $18.64 - $28.96.
Auto loan score 89 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Rates as low as 4.49% APR. Rates, terms, and conditions are determined by overall creditworthiness, collateral value, amount financed, and other factors.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 14.00%
4.49% APR, up to 14.00%
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment of $18.65 per $1,000. Assumes 0.25% automatic payment discount and 0.25% repeat borrower discount with LTV of 90% or less.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 11.74%with conditions
4.49% APR, up to 11.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Benefits Checking Account discount (0.50% discount). Any payroll direct deposit into a Benefits Checking account at any points in the prior 60 days.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $18.64 (p1) / $18.87 (p21).
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Base rate as low as 4.49% APR.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With FCB Discount (0.50% off base rate). Requires an automatic payment from an open First Command Bank deposit account prior to loan funding.
Auto loan score 82 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 125% of MSRP with approved credit. Reflects all available discounts.
Auto loan score 82 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 92 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · 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