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 166–180 of 276 in Texas · median 4.99% APR
- 5.09%APRas low as · up to 17.99%
5.09% APR, up to 17.99%
Terms
Term 49 - 72 months. Quoted at 80% Loan to Value.
Auto loan score 81 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as · up to 16.35%
5.10% APR, up to 16.35%
Terms
Secured loan; Beacon Score 720+ for 5.10%, 554 & below for 16.35%
Auto loan score 75 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.10%APRas low as
Terms
Fixed APR. Rate as low as 5.10%. Rate based on credit history; actual rate may be higher. Example: 36 mths @ 5.10% = $30.01 per month per $1,000.00.
Auto loan score 75 · Carrot Score 71
Rate checked · Auto loans rates on its site
Rates and branches - 5.14%APRas low as · up to 17.20%
5.14% APR, up to 17.20%
Terms
APR based on credit and risk score (5.14% for Excellent credit to 17.20% for Low / No score). APR may increase based on vehicle age or mileage: add 0.50% APR for vehicles more than 3 years old; add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles.
Auto loan score 81 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Auto loan score 81 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.15%APRas low as
Terms
Model Years: 2021-2025. Minimum loan amount $10,000.
Auto loan score 81 · Carrot Score 90
Rate checked · Auto loans rates on its site
Rates and branches - 5.20%APRas low as
Terms
Model years 2026-2024; with approved credit (W.A.C.). Rate discounts available for down payment >= 20%, payroll deduction/auto payment from checking, or lower term selection.
Auto loan score 75 · Carrot Score 76
Rate checked · Auto loans rates on its site
Rates and branches - 5.23%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61.
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - BRAZOS VALLEY SCHOOLS CREDIT UNION2026 New Vehicles & Newer · up to 60 months
Credit union · 12 branches
5.24%APRas low as · up to 17.24%5.24% APR, up to 17.24%
Terms
Up to 60 Months. APR based on creditworthiness.
Auto loan score 79 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
Annual Percentage Rate is as low as.
Auto loan score 79 · Carrot Score 85
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 - 5.24%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 - 5.24%APRas low as · up to 14.74%
5.24% APR, up to 14.74%
Terms
Minimum loan amount $5,000. Example payment per $1,000 is $22.20 based on highest interest rate with maximum term.
Auto loan score 75 · Carrot Score 79
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low as
Terms
New Auto (Greater than $25,000) with 80% Financing (20% down)
Auto loan score 73 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.24%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
Rate includes 0.50% discount for Power of the Dollar MAX checking account holders. $10,000 minimum loan amount.
Auto loan score 71 · Carrot Score 76
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 Texas
276 banks and credit unions · checked Oct 16–23
- Typical
- 4.99%
- Top 10% up to
- 4.24%
- Banks, typical
- 5.72%
- 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
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches