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 1–15 of 20 in Beaumont, TX metro · median 4.62% APR
- 3.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
'Pick Your Perk' promotional rate discount of 1.00% lower than applicant's qualified loan rate, with a minimum floor rate of 3.50% APR. Requires at least $5,000 of new money financed or refinanced from another institution and scheduled automatic repayments from a CCCU share or share draft account in good standing. Valid August 3, 2026 through October 30, 2026, or until 60 qualifying loans are approved and funded.
Auto loan score 98 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Terms
Rate is 'As low as'.
Auto loan score 92 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as
Auto loan score 92 · Carrot Score 93
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 14.25%
4.25% APR, up to 14.25%
Terms
Term: 60 months or less.
Auto loan score 85 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.25%APRas low as · up to 16.25%with conditions
4.25% APR, up to 16.25%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Lowest rate includes 1% discount available. Monthly payment per $1,000 borrowed is $18.50 - $24.28.
Auto loan score 77 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.35%APRas low as
Terms
Rate as low as 4.35% APR for terms up to 60 months; reduced by 0.10% APR if application is submitted online.
Auto loan score 91 · Carrot Score 91
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate discount of 0.75% available for the election of Warranty, Credit Life Insurance and Disability Protection on qualified collateral loans. Maximum interest rate is 17.99%.
Auto loan score 89 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - Port Arthur Community Federal Credit UnionNew & Used Vehicle Loans · 36–84 months
Credit union · 1 branch
4.50%APRas low asTerms
Rates as low as 4.50% APY. Same low rate for new or used vehicles.
Auto loan score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Rate based on creditworthiness, down payment, term of loan, age of vehicle, and discounts. Loan subject to approval. Rate shown is based on discounts and other factors.
Auto loan score 89 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - Education First Federal Credit UnionNew and Used Vehicle Loan · up to 60 months
Credit union · 7 branches
4.50%APRas low aswith conditionsThis rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Reflects best rate including discounts. 0.25% auto pre-approval/auto refinance discount applies to new and used vehicles - new money only.
Auto loan score 87 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 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
Rates and branches - 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
Rates and branches - 5.00%APRas low as
Terms
100% Financing. Rates reflect best rates and are subject to change without prior notice.
Auto loan score 82 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New auto loan; credit approval required; rate is as low as; vehicle model year current or within previous two years with mileage not exceeding 30,000
Auto loan score 76 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 5.34%APRas low as · up to 20.69%with conditions
5.34% APR, up to 20.69%
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Available to well-qualified applicants. Includes a 0.25% discount for automated payment from a PNC checking account set up at loan closing; rate increases 0.25% if automated payment is discontinued. Available for 2018-2027 model year non-commercial vehicles with up to 80,000 miles (up to 100,000 miles based on credit qualifications).
Auto loan score 71 · Carrot Score 75
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 Beaumont, TX metro
20 banks and credit unions · checked Oct 16–22
- Typical
- 4.62%
- Top 10% up to
- 4.25%
- Banks, typical
- 5.70%
- Credit unions, typical
- 4.50%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
Beaumont, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Eastex Credit UnionCredit union · 2 branches
- Neches Federal Credit UnionCredit union · 11 branches
- Synergy Federal Credit UnionCredit union · 1 branch