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 76–90 of 253 in Texas · median 4.99% APR
- 4.74%APRas low as · up to 15.30%
4.74% APR, up to 15.30%
Terms
Loan amount < $20,000. Rates eligible for 0.25% online application discount and 0.25% discount for active checking account (90+ days).
Auto loan score 88 · Carrot Score 87
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Auto loan score 88 · Carrot Score 84
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
2025 year models and newer. Minimum credit score 740. Payment example: 66 monthly payments of $17.25 per $1,000 borrowed. Not applicable on existing ETPCU loans and no other discounts apply.
Auto loan score 88 · Carrot Score 94
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
APR as low as.
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rates quoted are Annual Percentage Rates (APR). With approved credit. Lowest rate based on excellent credit history, shortest term available, and maximum relationship product discount.
Auto loan score 88 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
As low as rate. Rate based on creditworthiness and term of loan; subject to change at any time. Terms up to 84 months with restrictions; 100% financing available for terms up to 72 months.
Auto loan score 88 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Rates as low as 4.74% APR; terms from 48-72 months depending on year of vehicle; use promo code LOW24.
Auto loan score 88 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as · up to 12.24%
4.74% APR, up to 12.24%
Terms
Rates accurate as of October 30, 2026 and are subject to change. Annual percentage rates listed are best rates; rate may be higher depending on credit history, underwriting criteria, loan amount, and loan to value. Loan terms, rates, and payments listed are examples to illustrate possible credit transactions. Example payment based on $20,000 for 75 months ($308.64 - $382.82).
Auto loan score 86 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Fixed rate for 60 month term. Additional Rate Discounts: -0.40%. New Vehicles: 2026-2027 model years.
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.74%APRas low as
Terms
Vehicle model year 2022 or newer.
Auto loan score 83 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Auto loan score 92 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Vehicle Age: 2022-2026
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Lowest available APR based on creditworthiness and term of loan.
Auto loan score 87 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
As low as rate for New and Used Auto Loans.
Auto loan score 87 · Carrot Score 87
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