Compare Bank & Credit Union Rates
Best auto loan rates, new and used
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 1–15 of 75 in Dallas, TX metro · median 5.00% APR
- 3.84%APRas low as
Terms
Rates as low as stated APR. Assumes excellent credit. In partnership with TrueCar.
Auto loan score 91 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 3.94%APRas low as
Terms
Offer valid 10/01/2026 - 12/31/2026. Promotion applies to new and used auto loans and auto loans refinanced by another lender only. Excludes existing SWACU loans. Used auto loans have an additional 0.25% APR. Rates vary by creditworthiness and loan term. Pmt. Ex: 36 monthly payments of $1,770 for a $60,000 loan at 3.94% APR.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 14.39%
3.99% APR, up to 14.39%
Terms
Available September 1 – October 31, 2026. Rate based on creditworthiness, loan terms and other factors.
Auto loan score 94 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - Prestige Community CUNew Vehicle Loan (Car / Truck / SUV) · up to 60 months
Credit union · 2 branches
3.99%APRas low as · up to 18.00%3.99% APR, up to 18.00%
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 94 · Carrot Score 97
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as
Terms
Rates as low as 3.99% APR. Rates subject to change without notice. All loans subject to credit approval; actual rate and terms may vary based on creditworthiness, loan term, and vehicle age. First payment may be deferred for up to 90 days; interest begins accruing from the date of loan disbursement. Membership required.
Auto loan score 94 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate.
Auto loan score 89 · Carrot Score 89
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 - 4.29%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 - 4.39%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 - 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
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
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 Dallas, TX metro
75 banks and credit unions · checked Oct 15–22
- Typical
- 5.00%
- Top 10% up to
- 4.27%
- Banks, typical
- 5.74%
- 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.
Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches