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 271–276 of 276 in Texas · median 4.99% APR
- 6.59%APRas low as · up to 10.29%
6.59% APR, up to 10.29%
Terms
Motor Vehicle. Typical range of interest rates based on creditworthiness, length and amount of loan, and age of collateral. Higher rates may apply for older collateral. Stated rate does not include optional 0.25% autopay discount from Commerce checking or savings account. Available for new and used car, trucks, and motorcycle loans. Subject to credit approval. Minimum loan amount $7,000.00.
Auto loan score 62 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - Santa Fe Federal Credit UnionNew and Used Vehicles (2026 - 2021) · up to 84 months
Credit union · 5 branches
6.99%APRas low asTerms
Fixed Rate. New Vehicles Only.
Auto loan score 80 · Carrot Score 82
Rate checked · Auto loans rates on its site
Rates and branches - 7.40%APRas low as
Terms
Standard; 10% down
Auto loan score 61 · Carrot Score 60
Rate checked · Auto loans rates on its site
Rates and branches - 8.24%APRas low as
Terms
APR as low as stated. 96-month terms are available exclusively for A-tier members. Loan approval is based on creditworthiness.
Auto loan score 76 · Carrot Score 80
Rate checked · Auto loans rates on its site
Rates and branches - Wichita Falls Teachers Federal Credit UnionNew Autos (Variable Rates) · 24–72 months
Credit union · 1 branch
8.75%APRas low asTerms
Variable rate.
Auto loan score 61 · Carrot Score 62
Rate checked · Auto loans rates on its site
Rates and branches - 9.45%APRas low as
Auto loan score 60 · Carrot Score 78
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