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 1–3 of 3 in Bay City, TX metro · median 5.25% APR
- 3.99%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as rate for 36-84 months. Rate includes discounts up to 90 bps for protection products; vehicles > 6 model years or >= 100,000 miles add 100 bps.
Auto loan score 93 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.25%APRas low as
Terms
'As low as' rate is based on lowest available term with current incentives. Other financing and term options are available.
Auto loan score 77 · Carrot Score 68
Rate checked · Auto loans rates on its site
Rates and branches - 6.10%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate offered for a 48-month term; includes a 0.25% discount for recurring direct deposit of $500 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. No payments for 90 days option available (requires minimum credit score of 660, LTV < 125%).
Auto loan score 64 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches
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 Bay City, TX metro
3 banks and credit unions · checked Oct 16
- Typical
- 5.25%
- Top 10% up to
- 4.24%
- Credit unions, typical
- 5.25%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Bay City, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Service Credit UnionCredit union · 1 branch