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 46–60 of 80 in Houston, TX metro · median 4.99% APR
- 5.09%APRas low as · up to 15.84%with conditions
5.09% APR, up to 15.84%
This rate needs a checking account, direct deposit or relationship with the lender.
Auto loan score 81 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as · up to 17.20%
5.14% APR, up to 17.20%
Terms
APR based on credit and risk score (5.14% for Excellent credit to 17.20% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Auto loan score 81 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Model Years: 2021-2025. Minimum loan amount $10,000.
Auto loan score 81 · Carrot Score 90
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 - BRAZOS VALLEY SCHOOLS CREDIT UNION2026 New Vehicles & Newer · up to 60 months
Credit union · 10 branches
5.24%APRas low as · up to 17.24%5.24% APR, up to 17.24%
Terms
Up to 60 Months. APR based on creditworthiness.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New Auto (Greater than $25,000) with 80% Financing (20% down)
Auto loan score 73 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.26%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 77 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.30%APRas low as · up to 18.00%
5.30% APR, up to 18.00%
Terms
Credit score tiers from 730+ (A+) at 5.30% APR to 500–549 (E) at 18.00% APR. Max LTV 95%–100%.
Auto loan score 76 · Carrot Score 67
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 - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current model year. Payment example: $18.65 per $1,000 borrowed (or $22.80 per $1,000 borrowed for up to 48 months). Advertised APR assumes qualification for maximum available rate discount.
Auto loan score 72 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rate based on creditworthiness and term of loan. All loans are subject to approval. Rates may vary due to credit rating.
Auto loan score 68
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