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 1–10 of 10 in McAllen, TX metro · median 5.64% APR
- 3.49%APRas low as
Terms
With 10% down payment.
Auto loan score 99 · Carrot Score 98
Rate checked · Auto loans rates on its site
Rates and branches - 4.99%APRas low as
Terms
New, Used, or Program Vehicles; Model years: 2026, 2025, 2024
Auto loan score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as · up to 18.00%
5.24% APR, up to 18.00%
Terms
Rates are based on credit history, collateral and loan to value. Subject to credit application, qualification and approval. Must qualify for membership upon approval.
Auto loan score 79 · Carrot Score 81
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 - 5.64%APRas low as
Terms
Advertised as-low-as APR assumes excellent borrower credit history and is specific to VA. Advertised rate does not include additional BofA Rewards interest rate discount of 0.10% to 0.50%. Rate guaranteed for 30 days from application approval.
Auto loan score 66 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Vehicle age: New 2025/2026
Auto loan score 66 · Carrot Score 63
Rate checked · Auto loans rates on its site
Rates and branches - 5.65%APRas low as · up to 15.09%
5.65% APR, up to 15.09%
Terms
Model years 2021-2026. Rate based on credit history.
Auto loan score 71 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.70%APRas low as · up to 7.95%
5.70% APR, up to 7.95%
Terms
Subject to credit approval. Terms, conditions, and restrictions apply. Existing Security First Credit Union auto loans are not eligible for refinancing.
Auto loan score 70 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.79%APRas low as
Terms
Rate as low as 5.79% APR for terms up to 66 months.
Auto loan score 68 · Carrot Score 77
Rate checked · Auto loans rates on its site
Rates and branches - 6.24%APRas low as
Terms
Based on 60 months and $45,000 financing amount with $0 down payment for online applicants with excellent credit. Rate discount of 0.25% may be available for Chase customers maintaining an average daily combined balance of $150,000 or more across eligible accounts.
Auto loan score 64 · Carrot Score 60
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 McAllen, TX metro
10 banks and credit unions · checked Oct 16–22
- Typical
- 5.64%
- Top 10% up to
- 4.84%
- Banks, typical
- 5.64%
- Credit unions, typical
- 5.44%
How does your bank’s rate compare?
Find your bank or credit union to see all its rates and how they compare near you.
McAllen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NAFT Federal Credit UnionCredit union · 2 branches