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 121–135 of 276 in Texas · median 4.99% APR
- 4.84%APRas low as
Terms
Vehicle Year: 2023-2026. Rate advertised as low as. Stated schedule-wide APRs range between 5.59% to 18.00% APR based on credit score, loan type and term.
Auto loan score 86 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Auto loan score 86 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 18.00%
4.90% APR, up to 18.00%
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as · up to 14.01%
4.90% APR, up to 14.01%
Terms
Purchase of a new 2025 or 2026 Vehicle – 100% Financing.
Auto loan score 81 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 4.90%APRas low as
Terms
Rates are set according to credit rating.
Auto loan score 78 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - GENCO Federal Credit UnionVehicle Loans (New & Used) All Models · up to 66 months
Credit union · 5 branches
4.94%APRas low asTerms
Approximately 66 months term. As low as rates based on a credit score of 730+. Payment example: $18.86 per $1,000.00 financed at 4.94% APR for 66 months.
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as
Terms
Credit Grade A (720-799)
Auto loan score 86 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 4.95%APRas low as · up to 17.99%
4.95% APR, up to 17.99%
Terms
Rates shown are the lowest available. Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
As low as 4.99% APR. Approval based on credit worthiness. Membership eligibility required.
Auto loan score 83 · Carrot Score 74
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Payment per $1,000 is $14.13 - $21.02.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as · up to 16.99%
4.99% APR, up to 16.99%
Terms
$10,000 Minimum. Tier A+ (Equifax 750+): 4.99% APR; Tier A (Equifax 700-749): 5.99% APR; Tier B (Equifax 660-699): 7.49% APR; Tier C (Equifax 600-659): 10.99% APR; Tier D (Equifax 550-599): 14.49% APR; Tier E (Equifax 549 & Below): 16.99% APR
Auto loan score 83 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
Rate as low as 4.99% APR for 65 months term with loan amount $1,000 to $300,000.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New, Used, or Program Vehicles; Model years: 2026, 2025, 2024
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off.
Auto loan score 83 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rate as low as 4.99% for 5 Years or 60 Mo.
Auto loan score 83 · Carrot Score 83
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