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 76–90 of 276 in Texas · median 4.99% APR
- 4.50%APRas low as
Terms
Subject to credit approval. 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required. Advertised rate based on credit score, term, and any discount applied.
Auto loan score 85 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 82
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
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Terms
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.55%APRas low as
Auto loan score 87 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes both qualifying discounts. Rate is based on individual credit score and term.
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Applies to vehicles 0-2 years old with fewer than 36,000 miles. Rate includes applicable discounts.
Auto loan score 83 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
Rate quoted as low as; based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.64%APRas low as
Terms
2025-2027
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.65%APRas low as · up to 13.50%
4.65% APR, up to 13.50%
Auto loan score 88 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Rate as low as. Current year with less than 10,000 miles.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 11.94%with conditions
4.69% APR, up to 11.94%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new and used vehicles up to 60 months. Rates include Lone Star Rewards Discounts.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.70%APRas low as
Terms
Lowest Auto Rate APR. Rates may vary depending on each borrower's credit history, loan-to-value, collateral type, loan term, and the credit union's underwriting standards.
Auto loan score 88 · 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