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 241–253 of 253 in Texas · median 4.99% APR
- 6.25%APRas low as · up to 17.25%
6.25% APR, up to 17.25%
Terms
Base rate is 7.25%. New Auto Loans can get an extra 1% off approved rate with approved credit.
Auto loan score 63 · Carrot Score 61
Rate checked · Auto loans rates on its site
More details - 6.25%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Based on "A" credit score (700+) and payments placed on direct deposit, payroll deduction, or external monthly bank draft.
Auto loan score 62 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 6.35%APRas low as · up to 15.00%with conditions
6.35% APR, up to 15.00%
This rate needs autopay.
Terms
Reduce APR by 0.25% for automatic payment from a Share Savings or Share Draft account with Cal-Com Federal Credit Union or with payroll deduction to your new or used vehicle loan. Actual rates are based on individual credit worthiness and length of loan. All loans are subject to credit approval.
Auto loan score 64 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 6.44%APRas low as
Terms
New Autos (2024 & 2025). As low as rate.
Auto loan score 64
Rate checked · Auto loans rates on its site
More details - 6.49%APRas low as · up to 17.99%
6.49% APR, up to 17.99%
Terms
APRs start at 6.49% and will not exceed 17.99%. Repayment periods set to a maximum of 72 months based on contract terms, credit application/report, and borrowed amount. Subject to credit approval and underwriting standards. Down payments may be required in some cases.
Auto loan score 63 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
New vehicle up to 84 months. Rates as low as based on creditworthiness.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Terms
APR as low as 6.50%. Terms up to 84 months. Same rate for new, used, or refinance.
Auto loan score 63 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 6.50%APRas low as
Auto loan score 63
Rate checked · Auto loans rates on its site
More details - Santa Fe Federal Credit UnionNew and Used Vehicles (2026 - 2021) · up to 84 months
Credit union · 5 branches
6.99%APRas low asTerms
Fixed Rate. New Vehicles Only.
Auto loan score 81 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 7.40%APRas low as
Terms
Standard; 10% down
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
More details - 8.24%APRas low as
Terms
APR as low as stated. 96-month terms are available exclusively for A-tier members. Loan approval is based on creditworthiness.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - Wichita Falls Teachers Federal Credit UnionNew Autos (Variable Rates) · 24–72 months
Credit union · 1 branch
8.75%APRas low asTerms
Variable rate.
Auto loan score 62 · Carrot Score 62
Rate checked · Auto loans rates on its site
More details - 9.45%APRas low as
Auto loan score 60 · Carrot Score 78
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