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 91–105 of 253 in Texas · median 4.99% APR
- 4.75%APRas low as
Terms
Rate based on creditworthiness and term of loan. Rates starting at 4.75% & up APR. Rates are subject to change at any time and are not guaranteed.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 16.50%
4.75% APR, up to 16.50%
Terms
Tier Levels A+ to E (Credit score 720+ to 540-599). Best APR requires Tier A+ (credit score 720+). Minimum loan advance $500. Max term up to 60 months applies to model years 2018 and newer.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
Awesome rates on new and used! Refinance today!
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 18.00%
4.75% APR, up to 18.00%
Terms
Current & Prior Year Vehicle. Rates depend on credit worthiness and down payment. Loans over $25,000 eligible for 72 months, loans over $30,000 eligible for 84 months.
Auto loan score 86 · Carrot Score 77
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Auto loan score 83 · Carrot Score 79
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as
Terms
With 700 Credit Score or above. Term 5 Year.
Auto loan score 83 · Carrot Score 92
Rate checked · Auto loans rates on its site
More details - 1st Community Federal Credit UnionNew Automobiles & Light Trucks · up to 60 months
Credit union · 9 branches
4.75%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate as low as includes discounts of 0.50% APR. Rates and terms based on approved credit.
Auto loan score 82 · Carrot Score 76
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 17.99%with conditions
4.75% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Years 2025–Newer; 48–84 months. Advertised rate includes 0.25% Auto Pay discount.
Auto loan score 82 · Carrot Score 83
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low as · up to 17.99%with conditions
4.75% APR, up to 17.99%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Model Year 2018 or Newer. Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment.
Auto loan score 78 · Carrot Score 78
Rate checked · Auto loans rates on its site
More details - 4.75%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes 0.25% discount for automatic payments and 0.25% for payment protection.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low as
Terms
As low as rate.
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
71 Months repayment term. Includes all applicable discounts. Rate current as of 07/01/2026. Rate subject to change based on market conditions and borrower eligibility.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
More details - 4.79%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes Loyalty Plus & Digital Services / Online Application Discount
Auto loan score 81 · Carrot Score 70
Rate checked · Auto loans rates on its site
More details - 4.84%APRas low as · up to 17.84%
4.84% APR, up to 17.84%
Terms
Term available based on credit score.
Auto loan score 87 · Carrot Score 86
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