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 166–180 of 253 in Texas · median 4.99% APR
- 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. $10,000 minimum loan amount.
Auto loan score 72 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available.
Auto loan score 78 · Carrot Score 69
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Stated as 'As low as 5.25% APR*' for term 60 Months. No model older than 7 years old. Up to 0.50% relationship discount available.
Auto loan score 78 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Rates are based on creditworthiness. Subject to credit approval. Applicable to new or used vehicles.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Fixed rate of 5.25% APR for 72 months. Rate good on new, used, or refinances. Monthly payments for a $20,000 loan for 72 months at a fixed rate of 5.25% APR would be $16.22 per $1,000 borrowed. Current MTFCU loans are not eligible for refinance. Loans are subject to credit qualifications.
Auto loan score 78 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as
Terms
Model years 2019-2026. Rate stated as starting at 5.25% APR.
Auto loan score 78 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 5.25%APRas low as · up to 17.50%
5.25% APR, up to 17.50%
Terms
Tier 1 (>700) to Tier 7 (<499). Rates subject to maximum 0.75% discount based on 'it pays to be a member' program.
Auto loan score 78 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 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
More details - 5.29%APRas low as
Terms
New and Used Models 2022 and Newer. Must qualify for the lowest rate.
Auto loan score 77 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.30%APRas low as
Terms
Model year 2027–2023. 'As low as' rate.
Auto loan score 77 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 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 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
More details - 5.30%APRas low as
Terms
For loans of $35,000+; model years 2026-2024; with approved credit (W.A.C.). Deduct .25% with 20%+ down payment plus TT&L; deduct .50% if repaid by payroll deduction or auto payment from CCTFCU checking for full term; deduct .25% when requesting lower term than lowest stated term. Loan rates may be higher due to credit rating.
Auto loan score 72 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Rate quoted as low as; based on creditworthiness and term of loan.
Auto loan score 81 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Model year 2025 and newer; max term up to 60 months.
Auto loan score 76 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 5.39%APRas low as
Terms
Payment example per $1,000 borrowed: $19.09.
Auto loan score 72 · Carrot Score 68
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