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 16–30 of 253 in Texas · median 4.99% APR
- 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for 36-84 months. Rate includes discounts up to 90 bps for protection products; vehicles > 6 model years or >= 100,000 miles add 100 bps.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.00%APRas low as
Terms
Model year 2016-New. Credit score Tier 1: 750 and up.
Auto loan score 94 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.00%APRas low as · up to 12.00%
4.00% APR, up to 12.00%
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 4.09%APRas low as · up to 13.14%with conditions
4.09% APR, up to 13.14%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes up to 0.90% discount. Rates based on creditworthiness and percentage down.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.14%APRas low as
Terms
Rate is 'as low as' based on credit score, loan term, and relationship discounts. Footnote 1 provides payment example of $25,000 at 5.39% APR for 60 months. Maximum APR up to 18%.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - Abilene Teachers Federal Credit UnionFirst Time Auto Buyer - New Vehicles · 1–84 months
Credit union · 4 branches
4.15%APRas low as · up to 18.00%with conditions4.15% APR, up to 18.00%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Model years 2026, 2025, 2024. Stated rate reflects 0.75 point First Time Auto Buyer discount.
Auto loan score 92 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.17%APRas low as
Terms
APR as low as
Auto loan score 94 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low as
Terms
October Auto Loan Special valid October 1-31, 2026. Finance a new or used vehicle or refinance an eligible auto loan; enjoy no payments for 90 days (interest accrues during 90-day period). May qualify for up to 0.75% off rate through HCFCU relationship discount. Rates based on credit history, loan term, collateral, and down payment.
Auto loan score 93 · Carrot Score 99
Rate checked · Auto loans rates on its site
More details - 4.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate.
Auto loan score 89 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
As low as rate starts at 36-month term for well-qualified borrowers. Loan terms up to 84 months available on qualifying vehicle loans. Rate discounts up to 1.00% off for Credit Life/Disability, Warranty, Member Loyalty, and down payment bringing vehicle equity <= 80%.
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
Rate is 'As low as'.
Auto loan score 93 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Auto loan score 93 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as
Terms
As low as 4.25%. Rate applies to Group Autos.
Auto loan score 93 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as · up to 14.25%
4.25% APR, up to 14.25%
Terms
Term: 60 months or less.
Auto loan score 86 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.25%APRas low as · up to 16.25%with conditions
4.25% APR, up to 16.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28.
Auto loan score 78 · Carrot Score 83
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