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 46–60 of 253 in Texas · median 4.99% APR
- 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Starting rate as low as 4.50%. Percentage rate depends on Beacon Score and can increase depending on this score.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Promotional rate for October 1 – 31, 2026. All approved auto loans are eligible. Existing ETCU loans are not eligible for refinancing. Rates subject to credit approval and underwriting requirements. Rate based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - Houston Texas Fire Fighters Federal Credit UnionVehicle Loans · 49–84 months
Credit union · 3 branches
4.50%APRas low as · up to 11.50%4.50% APR, up to 11.50%
Terms
Fixed Rate APR based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
As low as; financing for new vehicles.
Auto loan score 89 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Starting rate for credit scores 700 and above. Up to $250,000.
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Auto Purchases. Vehicles must be model year 2018 or newer and mileage cannot exceed 100,000. No salvage or bonded titles. All parties on registration must be on the loan. Maximum term and final rate are based on credit score, vehicle year, vehicle value, term, and loan amount.
Auto loan score 89 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Rates as low as stated APR for term 37 - 60 months.
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Auto loan score 88 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
100% Purchase Price. New Auto 2025-2026 or newer with less than 15,000 miles. Stated rate reflects two optional 0.25% discounts (0.25% for loans fully protected with life/disability coverage; 0.25% for direct deposit with automatic loan payments; members may qualify for one discount rate only). Rate depends on credit history and underwriting.
Auto loan score 87 · Carrot Score 73
Rate checked · Auto loans rates on its site
More details - Education First Federal Credit UnionNew and Used Vehicle Loan · up to 60 months
Credit union · 7 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Fixed APR. $40,000 minimum Sticker Price.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Two Year Old Collateral; Rate based on creditworthiness and term of loan
Auto loan score 86 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Subject to credit approval. 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required. Advertised rate based on credit score, term, and any discount applied.
Auto loan score 86 · Carrot Score 85
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