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 17 in Texas · median 5.75% APR
- 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 83 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 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 88
Rate checked · Auto loans rates on its site
More details - 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 70
Rate checked · Auto loans rates on its site
More details - 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 72 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 5.59%APRas low as
Terms
Member-special rate; non-member rates may be 1.50% higher. Up to 110% financing. Rate may vary based on amount financed, term, first payment, collateral value, and mileage. Extended terms must meet credit qualifications.
Auto loan score 72 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Vehicle age: New 2025/2026
Auto loan score 67 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 5.70%APRas low as
Terms
New & Used: 2026; 2025, 2024, 2023, 2022
Auto loan score 71 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as · up to 14.27%
5.75% APR, up to 14.27%
Terms
Fixed APR range for new car loans; excellent credit required for lowest rates. APR may differ based on amount, term length, and credit profile. Loan amounts $3,500 to $400,000. Terms up to 84 months.
Auto loan score 69 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 5.77%APRas low as
Terms
As low as rate for a new Capital One auto loan in October for individuals with excellent credit characteristics.
Auto loan score 65 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 5.89%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects 0.25% discount for automatic payments. Minimum loan amount $5,000. Limited time offer.
Auto loan score 65 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit ($870.81 monthly payment). Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts. May not include a $195 loan origination fee for Indiana applications.
Auto loan score 65 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 6.09%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates as low as 6.09% APR for new vehicles model years 2026 and newer with maximum term of 60 months. Includes waiver of $250 origination fee requiring an active UMB Select Checking account. No down payment required.
Auto loan score 63 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 6.39%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Requires excellent and substantial credit, perfected lien, and selecting auto payment from a qualified checking account.
Auto loan score 64 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 6.53%APRas low as · up to 12.70%
6.53% APR, up to 12.70%
Terms
Term Minimum APR 6.53% (rate 6.44%) based on $35,000 loan amount, 60-month term, new vehicle, and excellent credit. Term Maximum APR 12.70% (rate 10.59%) based on $2,500 loan amount, 36-month term, new vehicle, and lowest acceptable credit score. 0.50% autopay discount from Zions Bank Gold Account available. $75 loan fee applies.
Auto loan score 63 · Carrot Score 63
Rate checked · Auto loans rates on its site
More details
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 Texas
17 banks and credit unions · checked Oct 22–30
- Typical
- 5.75%
- Top 10% up to
- 5.03%
- Banks, typical
- 5.75%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Barksdale Federal Credit UnionCredit union · 2 branches
- Service 1st Credit UnionCredit union · 1 branch