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 106–120 of 253 in Texas · median 4.99% APR
- 4.84%APRas low as
Terms
Vehicle Year: 2023-2026. Rate advertised as low as. Stated schedule-wide APRs range between 5.59% to 18.00% APR based on credit score, loan type and term.
Auto loan score 87 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as
Auto loan score 87 · Carrot Score 71
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as
Terms
Lowest Auto Rate APR. Rates may vary depending on each borrower's credit history, loan-to-value, collateral type, loan term, and the credit union's underwriting standards.
Auto loan score 87 · Carrot Score 88
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as · up to 18.00%
4.90% APR, up to 18.00%
Auto loan score 87 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as · up to 14.01%
4.90% APR, up to 14.01%
Terms
Purchase of a new 2025 or 2026 Vehicle – 100% Financing.
Auto loan score 82 · Carrot Score 64
Rate checked · Auto loans rates on its site
More details - 4.90%APRas low as
Terms
Rates are set according to credit rating.
Auto loan score 79 · Carrot Score 67
Rate checked · Auto loans rates on its site
More details - GENCO Federal Credit UnionVehicle Loans (New & Used) All Models · up to 66 months
Credit union · 5 branches
4.94%APRas low asTerms
Approximately 66 months term. As low as rates based on a credit score of 730+. Payment example: $18.86 per $1,000.00 financed at 4.94% APR for 66 months.
Auto loan score 87 · Carrot Score 90
Rate checked · Auto loans rates on its site
More details - 4.95%APRas low as · up to 17.99%
4.95% APR, up to 17.99%
Terms
Rates shown are the lowest available. Rate based on creditworthiness and term of loan.
Auto loan score 86 · Carrot Score 93
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
As low as 4.99% APR. Approval based on credit worthiness. Membership eligibility required.
Auto loan score 84 · Carrot Score 75
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 18.00%
4.99% APR, up to 18.00%
Terms
Payment per $1,000 is $14.13 - $21.02.
Auto loan score 84 · Carrot Score 81
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as · up to 16.99%
4.99% APR, up to 16.99%
Terms
$10,000 Minimum. Tier A+ (Equifax 750+): 4.99% APR; Tier A (Equifax 700-749): 5.99% APR; Tier B (Equifax 660-699): 7.49% APR; Tier C (Equifax 600-659): 10.99% APR; Tier D (Equifax 550-599): 14.49% APR; Tier E (Equifax 549 & Below): 16.99% APR
Auto loan score 84 · Carrot Score 85
Rate checked · Auto loans rates on its site
More details - First Tech Federal Credit UnionNew Auto Loan - 2025 and Newer Models · up to 65 months
Credit union · 1 branch
4.99%APRas low asTerms
For 2025 and newer models (previous model year and newer cars). Rate advertised as low as 4.99%.
Auto loan score 84 · Carrot Score 80
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
New, Used, or Program Vehicles; Model years: 2026, 2025, 2024
Auto loan score 84
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rate based on creditworthiness. Rate may range up to base rate plus 10%. 5-Star Program discounts available from .50% to 1.00% off.
Auto loan score 84 · Carrot Score 86
Rate checked · Auto loans rates on its site
More details - 4.99%APRas low as
Terms
Rate as low as 4.99% for 5 Years or 60 Mo.
Auto loan score 84 · Carrot Score 84
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