Auto Loan Rates in Austin, Texas (TX) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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 Austin, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Austin, Texas include Members Choice Credit UnionMembers Choice Credit Union4100 Smith School Rd # 1, Austin, TX, 78744 3205A5.0 ★Texas Ratio: 8.54% offering New and Pre-Owned Autos at 3.24%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.18% offering New Auto Loan at 3.99%, United Heritage Credit UnionUnited Heritage Credit Union12208 N Mopac Expy, Austin, TX, 78758A5.0 ★Texas Ratio: 7.47% offering New/Used Auto Loan at 3.99%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.34% offering Auto Loan at 4.29%, Texas Health Credit UnionTexas Health Credit Union4800 GROVER AVE, AUSTIN, TX, 78756A5.0 ★Texas Ratio: 8.83% offering New and Used Vehicles at 4.49%.
Auto loan rates in Austin, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Austin, Texas. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in Austin, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedMar 18, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
4.80%
0 - 48
▼
APR4.80%
Term0 - 48
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
4.99%
24 - 36
▼
APR4.99%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 years old)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
4.99%
1-42
▼
APR4.99%
Term1-42
Last UpdatedMar 15, 2026
Details
Excellent Credit
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
5.00%
49 - 66
▼
APR5.00%
Term49 - 66
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
5.20%
67 - 75
▼
APR5.20%
Term67 - 75
Last UpdatedMar 20, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Refinance Loans
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
5.24%
43-66
▼
APR5.24%
Term43-66
Last UpdatedMar 15, 2026
Details
Excellent Credit
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMar 15, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
5.25%
61 - 66
▼
APR5.25%
Term61 - 66
Last UpdatedMar 11, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 years old)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMar 16, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMar 16, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
5.49%
67-78
▼
APR5.49%
Term67-78
Last UpdatedMar 15, 2026
Details
Excellent Credit
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMar 15, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedMar 16, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMar 16, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMar 16, 2026
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
5.74%
1-42
▼
APR5.74%
Term1-42
Last UpdatedMar 15, 2026
Details
Good Credit
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Refinance Loans
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
5.95%
24 - 36
▼
APR5.95%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
5.99%
43-66
▼
APR5.99%
Term43-66
Last UpdatedMar 15, 2026
Details
Good Credit
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMar 15, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
6.00%
76 - 84
▼
APR6.00%
Term76 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.09%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
6.24%
67-78
▼
APR6.24%
Term67-78
Last UpdatedMar 15, 2026
Details
Good Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
6.25%
12 to 48
▼
APR6.25%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedMar 16, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.39%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedMar 15, 2026
Details
Good Credit
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
6.50%
73 - 78
▼
APR6.50%
Term73 - 78
Last UpdatedMar 11, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2017 & older (7 yrs
6.64%
48 Months
▼
APR6.64%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
6.74%
1-42
▼
APR6.74%
Term1-42
Last UpdatedMar 15, 2026
Details
Average Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
6.75%
49 to 66
▼
APR6.75%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
6.75%
61 - 66
▼
APR6.75%
Term61 - 66
Last UpdatedMar 11, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
6.89%
49 to 66 Months
▼
APR6.89%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.89%
60 Months
▼
APR6.89%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
6.99%
24 - 36
▼
APR6.99%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
6.99%
43-66
▼
APR6.99%
Term43-66
Last UpdatedMar 15, 2026
Details
Average Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
7.00%
12 to 48
▼
APR7.00%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
7.00%
97 - 120
▼
APR7.00%
Term97 - 120
Last UpdatedMar 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
7.14%
67 Plus Months
▼
APR7.14%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2018 - 2019 (5-6 yrs)
7.14%
60 Months
▼
APR7.14%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
7.24%
67-78
▼
APR7.24%
Term67-78
Last UpdatedMar 15, 2026
Details
Average Credit
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
7.25%
61 - 72
▼
APR7.25%
Term61 - 72
Last UpdatedMar 11, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.39%
72 Months
▼
APR7.39%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2010- 2023 (1-4 yrs)
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
7.49%
1 to 48 Months
▼
APR7.49%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
7.49%
79-84
▼
APR7.49%
Term79-84
Last UpdatedMar 15, 2026
Details
Average Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
7.50%
49 to 66
▼
APR7.50%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
7.50%
121 - 144
▼
APR7.50%
Term121 - 144
Last UpdatedMar 11, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
7.64%
72 Months
▼
APR7.64%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX, 78704 7154
Auto Loans
7.75%
145 - 180
▼
APR7.75%
Term145 - 180
Last UpdatedMar 11, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.89%
84 Months
▼
APR7.89%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.00%
12 to 48
▼
APR8.00%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
8.14%
49 to 66 Months
▼
APR8.14%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
8.14%
84 Months
▼
APR8.14%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
8.39%
67 Plus Months
▼
APR8.39%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.50%
49 to 66
▼
APR8.50%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
8.99%
1-42
▼
APR8.99%
Term1-42
Last UpdatedMar 15, 2026
Details
Fair Credit
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
9.24%
43-66
▼
APR9.24%
Term43-66
Last UpdatedMar 15, 2026
Details
Fair Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
9.39%
1 to 48 Months
▼
APR9.39%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
9.74%
67-78
▼
APR9.74%
Term67-78
Last UpdatedMar 15, 2026
Details
Fair Credit
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
9.89%
49 to 66 Months
▼
APR9.89%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
10.14%
67 Plus Months
▼
APR10.14%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
10.74%
79-84
▼
APR10.74%
Term79-84
Last UpdatedMar 15, 2026
Details
Fair Credit
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
12.49%
1-42
▼
APR12.49%
Term1-42
Last UpdatedMar 15, 2026
Details
Marginal Credit
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
12.74%
43-66
▼
APR12.74%
Term43-66
Last UpdatedMar 15, 2026
Details
Marginal Credit
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
13.99%
67-78
▼
APR13.99%
Term67-78
Last UpdatedMar 15, 2026
Details
Marginal Credit
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2017 & older (7 yrs
14.14%
48 Months
▼
APR14.14%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2018 - 2019 (5-6 yrs)
14.64%
60 Months
▼
APR14.64%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
14.65%
1 to 48 Months
▼
APR14.65%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMar 15, 2026
Details
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2010- 2023 (1-4 yrs)
14.89%
66 Months
▼
APR14.89%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMar 15, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
15.10%
49 to 66 Months
▼
APR15.10%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
15.14%
72 Months
▼
APR15.14%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
15.35%
67 Plus Months
▼
APR15.35%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMar 15, 2026
Details
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
15.64%
84 Months
▼
APR15.64%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
15.74%
79-84
▼
APR15.74%
Term79-84
Last UpdatedMar 15, 2026
Details
Marginal Credit
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.25%
1 to 48 Months
▼
APR17.25%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.70%
49 to 66 Months
▼
APR17.70%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.90%
67 Plus Months
▼
APR17.90%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX, 78752 2315
Auto Loans
17.99%
1-42
▼
APR17.99%
Term1-42
Last UpdatedMar 15, 2026
Details
Poor Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.56%
37-48
▼
APR3.56%
Term37-48
Last UpdatedMar 18, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedMar 15, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMar 16, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedMar 15, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMar 16, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedMar 15, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.09%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedMar 16, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.39%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.89%
60 Months
▼
APR6.89%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.39%
72 Months
▼
APR7.39%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.89%
84 Months
▼
APR7.89%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; 100% of MSRP
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMar 15, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMar 15, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMar 15, 2026
Details
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 years old)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.99%
49 to 66
▼
APR4.99%
Term49 to 66
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 years old)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.29%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMar 16, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.49%
67 to 72
▼
APR5.49%
Term67 to 72
Last UpdatedMar 17, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.59%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMar 16, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
5.99%
73 to 84
▼
APR5.99%
Term73 to 84
Last UpdatedMar 17, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.09%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.19%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX, 78701
New and Used Autos
6.39%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2017 & older (7 yrs
6.64%
48 Months
▼
APR6.64%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2018 - 2019 (5-6 yrs)
7.14%
60 Months
▼
APR7.14%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2010- 2023 (1-4 yrs)
7.39%
66 Months
▼
APR7.39%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
7.64%
72 Months
▼
APR7.64%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
8.14%
84 Months
▼
APR8.14%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2017 & older (7 yrs
14.14%
48 Months
▼
APR14.14%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2018 - 2019 (5-6 yrs)
14.64%
60 Months
▼
APR14.64%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2010- 2023 (1-4 yrs)
14.89%
66 Months
▼
APR14.89%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
15.14%
72 Months
▼
APR15.14%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
Used Auto 2024 (current yr used)
15.64%
84 Months
▼
APR15.64%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
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Frequently Asked Questions about Auto Loans in Austin, 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 Austin, 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 Austin, 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 Austin, Texas?
Based on our current data, some of the lowest auto loan rates available in Austin, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan)
- United Heritage Credit Union: 3.99% (New/Used Auto Loan)
- Capitol Credit Union: 4.29% (Auto Loan)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Austin, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
