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 211–225 of 253 in Texas · median 4.99% APR
- 5.74%APRas low as
Terms
Vehicle model years 2022 - 2026.
Auto loan score 70 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Model Year 2023-2027. Example payment: $354.14 on a $20,000 loan. Listed rates are for purchases only.
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as
Terms
Autos 2022-New. Payment example: $20,000 at 5.74% for 60 months = $384.24/mo. Rates subject to credit approval and criteria. Available for new and refinanced loans. $60 documentation fee applies. Share 1 account balance of at least $5 required.
Auto loan score 70 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low as · up to 17.49%
5.74% APR, up to 17.49%
Terms
New and used auto loans for terms of 60 months or less. Lower rates apply to well-qualified applicants.
Auto loan score 70 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 5.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 66 Months. Rates reflect a .25% discount with vehicle insurance from Premier America and .25% discount for direct deposit with automatic payment. May increase based on credit worthiness.
Auto loan score 66 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - Member Preferred Federal Credit UnionNew & Used Vehicle Loans · up to 60 months
Credit union · 1 branch
5.75%APRas low as · up to 15.50%5.75% APR, up to 15.50%
Terms
Credit tiers A through E
Auto loan score 69 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
Terms
Credit score A / 700+.
Auto loan score 69 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 5.75%APRas low as
- 5.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
2025 + Newer Models. Available for $10,000 or greater. Includes 0.25% autopay discount.
Auto loan score 65 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 5.79%APRas low as
Terms
Rate as low as 5.79% APR for terms up to 66 months.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.85%APRas low as
Auto loan score 68 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 5.89%APRas low as
Terms
APR as low as based on creditworthiness. Applies to new, used, or refinance.
Auto loan score 68 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 5.89%APRas low as · up to 15.24%
5.89% APR, up to 15.24%
Terms
49 to 78 Months. On a $20,000 loan at 5.89%, you would make 78 monthly payment of $309.99.
Auto loan score 65 · Carrot Score 97
Rate checked · Auto loans rates on its site
More details - 5.90%APRas low as
Terms
Rates subject to change without notice.
Auto loan score 65
Rate checked · Auto loans rates on its site
More details - 5.99%APRas low as
Terms
APR as low as stated. Rates based on credit history.
Auto loan score 66 · Carrot Score 80
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