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 31–45 of 253 in Texas · median 4.99% APR
- 4.31%APRas low as · up to 15.31%
4.31% APR, up to 15.31%
Terms
APR varies by credit tier (A+ to E). 100% financing available for qualified borrowers.
Auto loan score 92 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.35%APRas low as
Terms
Rates as low as 4.35% APR for 60 months term. Rate based on creditworthiness. Vehicles older than 2014 and vehicles with mileage exceeding 75,000 may increase rate.
Auto loan score 92 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.35%APRas low as
Terms
Rate as low as 4.35% APR for terms up to 60 months; reduced by 0.10% APR if application is submitted online.
Auto loan score 92 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.40%APRas low as
Terms
Rates include discounts of up to 0.70% that are available requiring qualifying products and/or services.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.40%APRas low as · up to 13.40%
4.40% APR, up to 13.40%
Terms
Credit scores 700+ to 549 or less; rates vary by credit score
Auto loan score 88
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Terms
Payment per $1,000 is $18.64 - $28.96.
Auto loan score 90 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Auto loan score 90 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Rates as low as 4.49% APR. Rates, terms, and conditions are determined by overall creditworthiness, collateral value, amount financed, and other factors.
Auto loan score 90 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 14.00%
4.49% APR, up to 14.00%
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as · up to 11.74%with conditions
4.49% APR, up to 11.74%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Benefits Checking Account discount (0.50% discount).
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $18.64 (p1) / $18.87 (p21).
Auto loan score 88 · Carrot Score 95
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Estimated payment $18.64 per $1,000 for 60 months. As low as rates are based on a credit score of 740+ and include discounts for credit life/disability insurance, major mechanical protection, and a loan-to-value less than 80%.
Auto loan score 86 · Carrot Score 91
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low as
Terms
Base rate as low as 4.49% APR.
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.49%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Up to 125% of MSRP with approved credit. Reflects all available discounts.
Auto loan score 83 · Carrot Score 75
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