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 136–150 of 253 in Texas · median 4.99% APR
- 4.99%APRas low as
Terms
As low as APR for 0 - 60 months. Qualifying model years: 2020 or newer. APR is fixed.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
New auto rates starting as low as 4.99% (APR=Annual Percentage Rate*) for 72 months. Subject to credit approval.
Auto loan score 77 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rates starting at 4.99%. Approx. Pmt. (Per $1,000.00): $18.87. Interest Rate, guarantor, collateral, and eligibility based on Credit Score and loan amount.
Auto loan score 77 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - Education Credit UnionAutomobile (Cars, Vans, Pickups) Loans · 61–72 months
Credit union · 11 branches
4.99%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
New/Used 2026 to 2022 Year Old Models. Daily periodic rate 0.013671%. Includes all loyal member loan rate discounts.
Auto loan score 75 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Rate as low as; based on borrower's credit worthiness. Term up to 60 months, based on amount financed.
Auto loan score 82 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - Grand Prairie Credit UnionSummer Loan Special - New Vehicles · up to 84 months
Credit union · 1 branch
5.00%APRas low asTerms
Over $60,000 up to 84 months.
Auto loan score 82 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 12.00%
5.00% APR, up to 12.00%
Terms
Promotional rate October 1st thru October 31st with approved credit; term up to 72 months. APR ranges by credit tier (Tier A 5.00%, Tier B 6.00%, Tier C 9.50%, Tier D 12.00%). Rate matching offered.
Auto loan score 82 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing. Financing up to 120% of Sticker Price (MSRP).
Auto loan score 82 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
100% Financing. Rates reflect best rates and are subject to change without prior notice.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors.
Auto loan score 82 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Fixed APR of 5% for a 5-year loan term. Requires credit score of 700 or above and vehicle 2020 model year or newer. Refinance or purchase of eligible vehicle.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as · up to 11.00%
5.00% APR, up to 11.00%
Auto loan score 79 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.00%APRas low as
Terms
Starting at 5.00% Annual Percentage Rate
Auto loan score 75
Rate checked · Auto loans rates on its site
More details - 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
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
253 banks and credit unions · checked Oct 30–31
- Typical
- 4.99%
- Top 10% up to
- 4.25%
- 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.
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