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 151–165 of 253 in Texas · median 4.99% APR
- 5.04%APRas low as
Terms
Rates are subject to variation depending on loan term, age of vehicle, and individual creditworthiness. Financing available up to 84 months.
Auto loan score 82 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 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 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 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. Additional discounts may be available. Fees may increase APR.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
Term 49 - 72 months. Quoted at 80% Loan to Value.
Auto loan score 82 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.10%APRas low as · up to 16.35%
5.10% APR, up to 16.35%
Terms
Secured loan; Beacon Score 720+ for 5.10%, 554 & below for 16.35%
Auto loan score 75 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 5.10%APRas low as
Terms
Fixed APR. Rate as low as 5.10%. Rate based on credit history; actual rate may be higher. Example: 36 mths @ 5.10% = $30.01 per month per $1,000.00.
Auto loan score 75 · Carrot Score 72
Rate checked · Auto loans rates on its site
More details - 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 82 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 5.15%APRas low as
Auto loan score 81 · Carrot Score 65
Rate checked · Auto loans rates on its site
More details - 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
More details - BRAZOS VALLEY SCHOOLS CREDIT UNION2026 New Vehicles & Newer · up to 60 months
Credit union · 12 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 80 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Annual Percentage Rate is as low as.
Auto loan score 80 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 18.00%
5.24% APR, up to 18.00%
Terms
Rates are based on credit history, collateral and loan to value. Subject to credit application, qualification and approval. Must qualify for membership upon approval.
Auto loan score 80 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as
Terms
Rates shown are 'as low as' and subject to credit approval based on transaction type, loan term, payment method, vehicle condition, and credit score. New auto defined as current model year or within previous 2 years with mileage not exceeding 30,000 miles.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.24%APRas low as · up to 14.74%
5.24% APR, up to 14.74%
Terms
Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term.
Auto loan score 75 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 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
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