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 16–30 of 80 in Houston, TX metro · median 4.99% APR
- 4.27%APRas low as · up to 15.47%
4.27% APR, up to 15.47%
Terms
APR varies by credit tier (A+ to E). 100% financing available for qualified borrowers.
Auto loan score 92 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 4.29%APRas low as
Terms
As low as rate for 37-60 months on new vehicles (2025 and newer model years). Assumes excellent credit.
Auto loan score 88 · Carrot Score 88
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 - 4.38%APRas low as
Terms
Fixed rate
Auto loan score 87 · Carrot Score 85
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 18.00%
4.49% APR, up to 18.00%
Auto loan score 89 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as · up to 14.00%
4.49% APR, up to 14.00%
Auto loan score 88 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 4.49%APRas low as
Terms
Starting APR (not including discounts). Rate based on creditworthiness, term, vehicle condition, model year, and loan amount. Maximum loan discount 0.75%. Payment example per $1,000 borrowed: $18.64 (p1) / $18.87 (p21).
Auto loan score 87 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as · up to 16.25%
4.50% APR, up to 16.25%
Terms
Lowest rate requires score 730+ (Grade A+); highest rate applies to score 549 or Less (Grade E).
Auto loan score 89 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - Houston Texas Fire Fighters Federal Credit UnionVehicle Loans · 49–84 months
Credit union · 3 branches
4.50%APRas low as · up to 11.50%4.50% APR, up to 11.50%
Terms
Fixed Rate APR based on creditworthiness and term of loan.
Auto loan score 89 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Terms
Starting as low as 4.50% for credit scores 700 and above. Up to $250,000 loan amount.
Auto loan score 89 · Carrot Score 96
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low as
Auto loan score 87 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 4.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New 2026 (6,000 miles or less). No minimum loan amount. Rate shown with all applicable discounts. Not available in VA, NC, UT, NV, and TX.
Auto loan score 80 · Carrot Score 92
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as
Terms
Vehicle Year: 2025 & Newer. Rates are as low as and indicate an A+ rate.
Auto loan score 88 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 4.69%APRas low as · up to 11.94%with conditions
4.69% APR, up to 11.94%
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Fixed APR for new and used vehicles up to 60 months. Rates include Lone Star Rewards Discounts.
Auto loan score 86 · Carrot Score 84
Rate checked · Auto loans rates on its site
Rates and branches - 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 87 · Carrot Score 80
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 Houston, TX metro
80 banks and credit unions · checked Oct 15–22
- Typical
- 4.99%
- Top 10% up to
- 4.12%
- Banks, typical
- 5.77%
- 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.
Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch