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 31–45 of 75 in Dallas, TX metro · median 5.00% APR
- 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 - 4.99%APRas low as
Terms
Rates as low as based on creditworthiness, qualifications, and collateral conditions.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Promotional offer: No payments for the first 90 days on qualifying auto loans funded from May to the end of July 2026 (payments are deferred, not waived; interest begins accruing from date funded and is added to the balance). APR includes a 0.25% rate discount with automatic payment.
Auto loan score 79 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
Rates starting as low as 4.99% APR. Financing available for up to 84 months. Requires current, previous, or forthcoming year models with 7,500 miles or less and never titled.
Auto loan score 78 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Grand Prairie Credit UnionSummer Loan Special - New Vehicles · up to 72 months
Credit union · 1 branch
5.00%APRas low asTerms
As low as 5.00% up to 72 months.
Auto loan score 82 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - Natural Resources Conservation Service FCUNew Auto Loans (2025 or 2024 Year Model with Mileage Not to Exceed 5,000 Miles - Otherwise - Used Vehicle) · up to 72 months
Credit union · 1 branch
5.00%APRas low as · up to 15.25%5.00% APR, up to 15.25%
Terms
Does not include available discounts. Rate based on creditworthiness and term of loan.
Auto loan score 73 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.04%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed.
Auto loan score 81 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
For qualified borrowers only. Rates vary based on credit score.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Stated as 'As low as 5.25% APR*' for term 60 Months. No model older than 7 years old. Up to 0.50% relationship discount available.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
Rates are based on creditworthiness. Subject to credit approval.
Auto loan score 77 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.29%APRas low as
Terms
New and Used Models 2022 and Newer. Must qualify for the lowest rate.
Auto loan score 76 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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