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 61–75 of 253 in Texas · median 4.99% APR
- Pampa Teachers Federal Credit UnionNew & Used Auto (2022 - 2026) · up to 60 months
Credit union · 1 branch
4.50%APRas low asAuto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Terms
Current Year Vehicles; Minimum amount financed $30,000.00
Auto loan score 83 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.50%APRas low as
Auto loan score 83
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
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 81 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.55%APRas low as
Terms
Rate is dependent on credit worthiness. Rates, terms and offers are subject to change without notice. Rate may vary based on the loan amount, term and personal circumstances. Certain loan terms and rates depend upon model year and loan amount. Membership is required before loan is funded.
Auto loan score 89 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.55%APRas low as
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes both qualifying discounts. Rate is based on individual credit score and term.
Auto loan score 87 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low as
Terms
As low as rate for 61-72 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 86 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.59%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Applies to vehicles 0-2 years old with fewer than 36,000 miles. Rate includes applicable discounts.
Auto loan score 83 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.64%APRas low as
Terms
2025-2027
Auto loan score 83 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 89 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low as
Terms
Rate as low as 4.69% APR. New and used auto loans.
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low as
Terms
Rate as low as. Current year with less than 10,000 miles.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.69%APRas low as · up to 11.94%with conditions
4.69% APR, up to 11.94%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new and used vehicles up to 60 months. Rates include Lone Star Rewards Discounts.
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.70%APRas low as
Terms
Rates as low as; your rate may vary from the stated rate and will be determined by your credit history and repayment option. New & Used Vehicles, RVs, Watercraft & Misc. Collateral Items.
Auto loan score 89 · Carrot Score 95
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