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 61–75 of 276 in Texas · median 4.99% APR
- 4.50%APRas low as
Terms
Starting rate as low as 4.50%. Percentage rate depends on Beacon Score and can increase depending on this score.
Auto loan score 89 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - Houston Texas Fire Fighters Federal Credit UnionVehicle Loans · 49–84 months
Credit union · 3 branches
4.50%APRas low as · up to 11.50%4.50% APR, up to 11.50%
Terms
Fixed Rate APR based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
As low as; financing for new vehicles.
Auto loan score 89 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Starting as low as 4.50% for credit scores 700 and above. Up to $250,000 loan amount.
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - Port Arthur Community Federal Credit UnionNew & Used Vehicle Loans · 36–84 months
Credit union · 1 branch
4.50%APRas low asTerms
Rates as low as 4.50% APY. Same low rate for new or used vehicles.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Auto Purchases. Vehicles must be model year 2018 or newer and mileage cannot exceed 100,000. No salvage or bonded titles. All parties on registration must be on the loan. Maximum term and final rate are based on credit score, vehicle year, vehicle value, term, and loan amount.
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Awesome rates on new and used! Refinance today!
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
100% Purchase Price. New Auto 2025-2026 or newer with less than 15,000 miles. Stated rate reflects two optional 0.25% discounts (0.25% for loans fully protected with life/disability coverage; 0.25% for direct deposit with automatic loan payments; members may qualify for one discount rate only). Rate depends on credit history and underwriting.
Auto loan score 87 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - Education First Federal Credit UnionNew and Used Vehicle Loan · up to 60 months
Credit union · 9 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Two Year Old Collateral; Rate based on creditworthiness and term of loan
Auto loan score 85 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - Pampa Teachers Federal Credit UnionNew & Used Auto (2022 - 2026) · up to 60 months
Credit union · 1 branch
4.50%APRas low asAuto loan score 85 · 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