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 211–225 of 276 in Texas · median 4.99% APR
- 5.50%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
As low as APR.
Auto loan score 68 · Carrot Score 86
Rate checked · Auto loans rates on its site
Rates and branches - 5.50%APRas low as
Terms
Rate based on creditworthiness and term of loan. All loans are subject to approval. Rates may vary due to credit rating.
Auto loan score 68
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as · up to 6.49%
5.54% APR, up to 6.49%
Terms
Rates expressed as low as. Minimum loan amount of $25,000 required for terms above 73 months. Applicable for the purchase of a new, used, or refinance vehicle.
Auto loan score 72 · Carrot Score 87
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low as
Terms
2024-Newer model year vehicles.
Auto loan score 72 · Carrot Score 89
Rate checked · Auto loans rates on its site
Rates and branches - 5.54%APRas low aswith conditions
This rate needs a checking account, direct deposit or relationship with the lender.
Terms
With Member Rewards (includes 0.25% discount). Up to 66 months. 100% financing available to qualified borrowers.
Auto loan score 68 · Carrot Score 73
Rate checked · Auto loans rates on its site
Rates and branches - 5.55%APRas low as
Terms
For 2023 and newer fuel-efficient vehicles (40 CMPG/CMPGe or greater).
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.59%APRas low as
Terms
Member-special rate; non-member rates may be 1.50% higher. Up to 110% financing. Rate may vary based on amount financed, term, first payment, collateral value, and mileage. Extended terms must meet credit qualifications.
Auto loan score 71 · Carrot Score 72
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
Rate based on creditworthiness and term of loan.
Auto loan score 67 · Carrot Score 83
Rate checked · Auto loans rates on its site
Rates and branches - 5.60%APRas low as
Terms
NEW! 2026; with approved credit
Auto loan score 67 · Carrot Score 94
Rate checked · Auto loans rates on its site
Rates and branches - 5.64%APRas low as
Terms
Model Year 2023-2027. Example payment: $353.21 on a $20,000 loan. Listed rates are for purchases only.
Auto loan score 71 · Carrot Score 94
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 64
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 - 5.65%APRas low as
Terms
Fixed APR type. APR as low as stated.
Auto loan score 71 · Carrot Score 61
Rate checked · Auto loans rates on its site
Rates and branches - 5.68%APRas low as
Terms
Minimum loan amount $10,000 required for 48 - 60-month terms.
Auto loan score 71 · Carrot Score 82
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