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 196–210 of 276 in Texas · median 4.99% APR
- 5.44%APRas low as
Terms
Rates as low as 5.44% APR for 49 to 60 months.
Auto loan score 75 · Carrot Score 81
Rate checked · Auto loans rates on its site
Rates and branches - 5.45%APRas low as
Terms
As low as advertised rates are for model years 1–5.
Auto loan score 75 · Carrot Score 69
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
As low as rate includes a 0.25% rate discount for automatic payments (rates may increase if automatic payment is cancelled). Estimated payment terms of $17.59 per $1,000 per month for 66 months. 90-Day No Pay offer available (excludes indirect loans, min credit score 680, expires 12.31.2026).
Auto loan score 73 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as · up to 13.49%
5.49% APR, up to 13.49%
Terms
Available for new and used vehicles.
Auto loan score 73 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
APR based on TransUnion credit score of 730 or above.
Auto loan score 72 · Carrot Score 70
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Up to 75 months (61 – 75 month term only for requested amount of min. $15K or greater, based on MSRP). 5.49% rate requires automatic payment and 60-month max term (otherwise add 0.25% for coupon payment).
Auto loan score 70 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Terms
New vehicles (model years 2026 - 2025). Collateral subject to approval. Rates based on creditworthiness.
Auto loan score 70 · Carrot Score 64
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Advertised 'as low as' rate assumes excellent credit. Rates subject to approval. Includes automatic payment discount. Same rates for new, used, or refinance.
Auto loan score 69 · Carrot Score 75
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
With qualifying Direct Deposit (at least $1,000/mo) and Auto Pay discount. Applicable to new and used vehicles.
Auto loan score 69 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.49%APRas low as
Auto loan score 69
Rate checked · Auto loans rates on its site
Rates and branches - Access Community Credit UnionAuto Loans - New Vehicles - 5 years and newer · 37–72 months
Credit union · 3 branches
5.49%APRas low aswith conditionsThis rate needs a checking account, direct deposit or relationship with the lender.
Terms
Includes All Access member discounts; vehicle must be 5 years old or newer and meet mileage requirements.
Auto loan score 66 · Carrot Score 78
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
78 Mos. (New Only - Min. $15K)
Auto loan score 86 · Carrot Score 88
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
Current model year. Payment example: $18.65 per $1,000 borrowed (or $22.80 per $1,000 borrowed for up to 48 months). Advertised APR assumes qualification for maximum available rate discount.
Auto loan score 72 · Carrot Score 66
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Auto loan score 69 · Carrot Score 65
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low aswith conditions
This rate needs autopay and a checking account, direct deposit or relationship with the lender.
Terms
New 2025+ models. Minimum loan amount $10,000. Includes 0.25% autopay discount.
Auto loan score 68 · 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