Auto Loan Rates in Texas (TX) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Texas include HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21600 W Ferguson St, Pharr, TX, 78577A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.92% offering New Vehicles, New Automobile (NA) A+ (800 at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit Union205 Center St, Deer Park, TX, 77536 2735A+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAmerican Airlines Credit Union, Fort Worth, TX, 76155A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 2.50% APR from HIGHWAY DISTRICT 21 at 600 W Ferguson St, Pharr, TX, 78577. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Texas
Texas Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
600 W Ferguson St, Pharr, TX, 78577
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedJun 11, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJun 16, 2026
Details
Rates are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Auto Loans
3.74%
36-month
▼
APR3.74%
Term36-month
Last UpdatedJun 16, 2026
Details
Rate shown is for 36-month term new auto and includes a 0.25% loyalty discount for recurring monthly direct deposit and auto pay. As low as 3.99% APR*
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months Fixed Rate.
▼
APR3.99%
Term60 Months Fixed Rate.
Last UpdatedJun 16, 2026
Details
Annual Percentage Rate (APR)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Rates are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans 2011 to 2015
4.05%
2 Yrs
▼
APR4.05%
Term2 Yrs
Last UpdatedJun 16, 2026
Details
Model Year: 2011 to 2015
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; 2026 & Newer
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans 2016 to 2019
4.15%
3 Yrs
▼
APR4.15%
Term3 Yrs
Last UpdatedJun 16, 2026
Details
Model Year: 2016 to 2019
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJun 16, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 11, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 11, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans 2020 to 2024
4.25%
4 Yrs
▼
APR4.25%
Term4 Yrs
Last UpdatedJun 16, 2026
Details
Model Year: 2020 to 2024
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.25%
1-36 Months
▼
APR4.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 16, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJun 16, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans 2025 to 2027
4.35%
5 Yrs
▼
APR4.35%
Term5 Yrs
Last UpdatedJun 16, 2026
Details
Model Year: 2025 to 2027
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
Auto Loan
4.39%
65 months
▼
APR4.39%
Term65 months
Last UpdatedJun 16, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate subject to change.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate subject to change.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJun 16, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans 2025 to 2027
4.45%
6 Yrs
▼
APR4.45%
Term6 Yrs
Last UpdatedJun 16, 2026
Details
Model Year: 2025 to 2027
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJun 16, 2026
Details
Rates as low as 4.35%.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
1306 N Logan St, Texas City, TX, 77590 5046
Autos 2026-2022
4.49%
0-24 months
▼
APR4.49%
Term0-24 months
Last UpdatedJun 16, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 11, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 11, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 2022 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJun 16, 2026
Details
As Low As; financing available
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Edinburg Teachers Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
900 W University Dr, Edinburg, TX, 78539
Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details
All APPROVED loans are eligible for this rate! Terms and conditions apply.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX, 79924
Auto Loan Summer Special
4.50%
48-month
▼
APR4.50%
Term48-month
Last UpdatedJun 16, 2026
Details
Limited-time auto loan rate from June 5th to July 31st. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
FIRSTLIGHT
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
9993 Kenworthy St, El Paso, TX, 79924
Vehicle Loan
4.50%
48 months
▼
APR4.50%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details
All loans quoted at 80% Loan to Value
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
7227 Viscount Blvd, El Paso, TX, 79925
Auto Loan
4.59%
66 Months
▼
APR4.59%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Now-July 7
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJun 16, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Auto Loan
4.60%
66 Months
▼
APR4.60%
Term66 Months
Last UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.67%
Up to 60 Months
▼
APR4.67%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJun 16, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJun 16, 2026
Details
Rates as low as 4.60%.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJun 16, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.75%
78 months
▼
APR4.75%
Term78 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.75%
Up to 78 months
▼
APR4.75%
TermUp to 78 months
Last UpdatedJun 16, 2026
Details
As Low As; 2024 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.75%
37-64 Months
▼
APR4.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 16, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 16, 2026
Details
As low as
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
4631 W Waco Dr, Waco, TX, 76710
Vehicle Loan
4.84%
Up to 60 months
▼
APR4.84%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2023-2026
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; rates are set according to credit rating
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loan
4.92%
Up to 72 Months
▼
APR4.92%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
APR as low as
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1618 Main St, Dallas, TX, 75201 4720
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Classic Car A+ 0-36 Months Loan
4.95%
36 Months
▼
APR4.95%
Term36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedJun 11, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Good: 6.24%, Average: 7.49%, Fair: 9.39%, Marginal: 14.65%, Low / No score: 17.25%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks - 36 months
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedJun 16, 2026
Details
Model Year New - 2025; Minimum to Finance: $5,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks - 60 months
4.99%
60 months
▼
APR4.99%
Term60 months
Last UpdatedJun 16, 2026
Details
Model Year New - 2025; Minimum to Finance: $10,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks - 75 months
4.99%
75 months
▼
APR4.99%
Term75 months
Last UpdatedJun 16, 2026
Details
Model Year New - 2025; Minimum to Finance: $15,000
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedJun 16, 2026
Details
as low as
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5953 Fairmont Pkwy, Pasadena, TX, 77505
Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX, 78343
Auto Loans
4.99%
84 months
▼
APR4.99%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As; for NEW & USED VEHICLES
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.99%
65-76 Months
▼
APR4.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
4631 W Waco Dr, Waco, TX, 76710
Vehicle Loan
4.99%
61-75 months
▼
APR4.99%
Term61-75 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicle Year: 2023-2026
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Texas New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJun 16, 2026
Details
Rates are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJun 16, 2026
Details
Rates are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 11, 2026
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.25%
1-36 Months
▼
APR4.25%
Term1-36 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 16, 2026
Details
As low as; Rate includes both discounts
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate subject to change.
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
New Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJun 16, 2026
Details
Rates as low as 4.35%.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 11, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.50%
72 months
▼
APR4.50%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.50%
up to 60 month
▼
APR4.50%
Termup to 60 month
Last UpdatedJun 16, 2026
Details
As Low As; financing available
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details
All loans quoted at 80% Loan to Value
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
New Auto Loan
4.74%
60 mo.
▼
APR4.74%
Term60 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.75%
78 months
▼
APR4.75%
Term78 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.75%
37-64 Months
▼
APR4.75%
Term37-64 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 16, 2026
Details
As low as
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
4.85%
48 months
▼
APR4.85%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; rates are set according to credit rating
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
4.90%
60 months
▼
APR4.90%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; rates are set according to credit rating
Neiman Marcus Group Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1618 Main St, Dallas, TX, 75201 4720
New Cars Loan
4.95%
Up to 60 Months
▼
APR4.95%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Vehicles, New Automobile (NA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
4545 Hondo Pass Dr, El Paso, TX, 79904 1303
New Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
324 N MAIN AVE, DENVER CITY, TX, 79323 3242
2024 or Newer Vehicle Loan
4.99%
65-76 Months
▼
APR4.99%
Term65-76 Months
Last UpdatedJun 16, 2026
Details
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Texas Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJun 11, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
▼
APR4.25%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJun 16, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; Rate subject to change.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJun 16, 2026
Details
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
601 OLIVE ST, TEXARKANA, TX, 75501
Pre-Owned Autos
4.45%
Up to 84 Months
▼
APR4.45%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
9978 FM 3129, Queen City, TX, 75572
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJun 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.50%
49-60 months
▼
APR4.50%
Term49-60 months
Last UpdatedJun 11, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2020
4.50%
1 - 60 months
▼
APR4.50%
Term1 - 60 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.50%
Up to 72 months
▼
APR4.50%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
As Low As; 2022 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedJun 16, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
8870 Gazelle Dr, El Paso, TX, 79925
New and Used Autos - Up to 48 Months
4.59%
48 Months
▼
APR4.59%
Term48 Months
Last UpdatedJun 16, 2026
Details
All loans quoted at 80% Loan to Value
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As low as
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2019
4.60%
1 - 54 months
▼
APR4.60%
Term1 - 54 months
Last UpdatedJun 16, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.64%
66 - 74 Months
▼
APR4.64%
Term66 - 74 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.64%
Up to 60 Months
▼
APR4.64%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2018
4.70%
1 - 48 months
▼
APR4.70%
Term1 - 48 months
Last UpdatedJun 16, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
145 FM 2972 W, RUSK, TX, 75785
Used Car Loan
4.70%
72 months
▼
APR4.70%
Term72 months
Last UpdatedJun 16, 2026
Details
Rates as low as 4.60%.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX, 79407 2632
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
4.74%
66 months
▼
APR4.74%
Term66 months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2455 Stringer St, Brenham, TX, 77833
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX, 79409
Used Auto Loan
4.74%
Up to 48 mo.
▼
APR4.74%
TermUp to 48 mo.
Last UpdatedJun 16, 2026
Details
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.75%
Up to 78 months
▼
APR4.75%
TermUp to 78 months
Last UpdatedJun 16, 2026
Details
As Low As; 2024 & newer; Vehicles with less than 20k miles
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.75%
60 mos.
▼
APR4.75%
Term60 mos.
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
2300 Texas Ave, Texas City, TX, 77590
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles Loan
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedJun 16, 2026
Details
As low as
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2017
4.80%
1 - 42 months
▼
APR4.80%
Term1 - 42 months
Last UpdatedJun 16, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Kelly Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
2105 W Grande Blvd, Tyler, TX, 75703 0551
Used Vehicle Loan
4.89%
Up to 72 Months
▼
APR4.89%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX, 79912
Used Auto Loan - 2023 and newer
4.90%
48 months
▼
APR4.90%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks - 2016
4.90%
1 - 36 months
▼
APR4.90%
Term1 - 36 months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A (720-799)
4.95%
37-60 Months
▼
APR4.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) A+ (800
4.95%
61-72 Months
▼
APR4.95%
Term61-72 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile (UA) B (680-719)
4.95%
0-36 Months
▼
APR4.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
4050 Alpha Rd Ste 120, Farmers Branch, TX, 75244
New and Used Automobiles
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
1200 Belleview St, Dallas, TX, 75215 1837
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.99%
61-72 months
▼
APR4.99%
Term61-72 months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
ACFCU
Institution Rating:
A+5.0 ★ Texas Ratio: 5.44%
6100 W Interstate 40, Amarillo, TX, 79106 2515
New & Used Vehicles Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJun 16, 2026
Details
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Texan Sky Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
515 S Bliss Ave, Dumas, TX, 79029
New and Used autos up to 9 years old
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
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MonitorBankRates
Texas Auto Loan Rate Trends
Compare local Texas auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.809%
▲ 0.105 vs 7 days ago
Texas new auto rates rose 0.105 points over the past 7 days to 5.809% APR.
Used Auto Loan — TX Avg
5.454%
▲ 0.004 vs 7 days ago
Texas used auto rates rose 0.004 points over the past 7 days to 5.454% APR.
As of Jun 19, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Texas?
Based on our current data, some of the lowest auto loan rates available in Texas include:
- HIGHWAY DISTRICT 21: 2.50% (Vehicle Loan)
- IBEW Local 66 Federal Credit Union: 2.95% (New Vehicles, New Automobile (NA) A+ (800)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
- American Airlines Federal Credit Union: 3.34% (New Auto)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: June 16, 2026
Auto Loan Rates by City in Texas
Rate Assistant
MonitorBankRates.com · Live Data
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