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 16–30 of 75 in Dallas, TX metro · median 5.00% APR
- 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 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 - 4.50%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 - 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 - 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
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 - 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 - 4.69%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 - 4.70%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 - 4.74%APRas low as · up to 16.49%
4.74% APR, up to 16.49%
Terms
Subject to credit approval. Interest rate ranges from 4.70% to 16.45%. A $45.00 admin fee is added to the loan amount. No application fee and no prepayment penalty. Proof of insurance required prior to loan funding.
Auto loan score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as
Terms
New and Used Auto Loan Rates As Low As 4.75% APR.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low as · up to 18.00%
4.75% APR, up to 18.00%
Terms
Current & Prior Year Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months.
Auto loan score 85 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payments and 0.25% for payment protection.
Auto loan score 77 · Carrot Score 81
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