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 80 in Houston, TX metro · median 4.99% APR
- 3.24%APRas low as · up to 14.49%with conditions
3.24% APR, up to 14.49%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate listed includes all available discounts granted based on services used at the Credit Union. APR is risk-based and determined by credit score.
Auto loan score 99 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'Pick Your Perk' promotional rate discount of 1.00% lower than applicant's qualified loan rate, with a minimum floor rate of 3.50% APR. Requires at least $5,000 of new money financed or refinanced from another institution and scheduled automatic repayments from a CCCU share or share draft account in good standing. Valid August 3, 2026 through October 30, 2026, or until 60 qualifying loans are approved and funded.
Auto loan score 98 · Carrot Score 89
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 - 3.98%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Year Models - 2025 & Newer. $35,000 Minimum. Lowest rate shown includes all available discounts. Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.25%
3.99% APR, up to 17.25%
Terms
for used
Auto loan score 94 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 17.44%
3.99% APR, up to 17.44%
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for 36-84 months. Rate includes discounts up to 90 bps for protection products; vehicles > 6 model years or >= 100,000 miles add 100 bps.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 3.99%APRas low as · up to 18.00%with conditions
3.99% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes Service & Loyalty discounts of up to 0.50% APR. Actual rate and terms depend on creditworthiness, LTV, and loan term. Terms 24 to 72+ months.
Auto loan score 86 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 4.14%APRas low as
Terms
Rate is 'as low as' based on credit score, loan term, and relationship discounts. Footnote 1 provides payment example of $25,000 at 5.39% APR for 60 months. Maximum APR up to 18%.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.17%APRas low as
Terms
Rates and terms vary and are based on credit score and collateral. Electric Vehicle Loan rates may differ.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.24%APRas low as
Terms
October Auto Loan Special valid October 1-31, 2026. Finance a new or used vehicle or refinance an eligible auto loan; enjoy no payments for 90 days (interest accrues during 90-day period). May qualify for up to 0.75% off rate through HCFCU relationship discount. Rates based on credit history, loan term, collateral, and down payment.
Auto loan score 93 · Carrot Score 99
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
Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
As low as rate starts at 36-month term for well-qualified borrowers. Loan terms up to 84 months available on qualifying vehicle loans. Rate discounts up to 1.00% off for Credit Life/Disability, Warranty, Member Loyalty, and down payment bringing vehicle equity <= 80%.
Auto loan score 92 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
As low as 4.25%. Up to 72 months financing, 100% financing for qualified buyers.
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%with conditions
4.25% APR, up to 16.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28.
Auto loan score 77 · Carrot Score 82
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 Houston, TX metro
80 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.12%
- Banks, typical
- 5.77%
- 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.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch