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Auto Loan Rates in Austin, Texas (TX) for May 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 4, 2026

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%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.34% offering Auto Loans 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%, Amplify Credit UnionAmplify Credit Union2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772A+5.0 ★Texas Ratio: 2.63% offering Auto Loan at 4.80%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.18% offering New Commercial Auto Loan at 4.99%. Auto loan rates as of May 4, 2026 according to verified data from MonitorBankRates.

Austin has 13 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 4100 Smith School Rd # 1, Austin, TX, 78744 3205. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Austin, Texas. Auto Loan Rates Last Updated and Verified: May 4, 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
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 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
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 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
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 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
View
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 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
View
▼
APR4.79%
Term66 Months
Last UpdatedApr 19, 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
View
▼
APR4.80%
Term0 - 48
Last UpdatedMay 2, 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
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 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
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 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
View
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 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%
Up to 96 months
View
▼
APR4.99%
TermUp to 96 months
Last UpdatedApr 27, 2026
Details

Starting as low as 4.99%

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (Up to 5 years old)
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details

Starting as low as 4.99%

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
View
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loans
4.99%
1 to 48 Months
View
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details

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
View
▼
APR5.00%
Term49 - 66
Last UpdatedMay 2, 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
View
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details

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
View
▼
APR5.04%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

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
View
▼
APR5.20%
Term67 - 75
Last UpdatedMay 2, 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 Loans
5.24%
6-36 months
View
▼
APR5.24%
Term6-36 months
Last UpdatedApr 25, 2026
Details

As Low As; beat your current auto loan rate by 1.00% APR.

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 months
View
▼
APR5.24%
Term6-36 months
Last UpdatedApr 25, 2026
Details

As Low As; 5.24%

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
View
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 2, 2026
Details

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
View
▼
APR5.24%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

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
View
▼
APR5.24%
Term12 - 66
Last UpdatedMay 2, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (6-10 years old)
5.25%
Up to 84 months
View
▼
APR5.25%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details

Starting as low as 5.25%

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
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 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
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 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
View
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 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
View
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
5.49%
6-36 months
View
▼
APR5.49%
Term6-36 months
Last UpdatedApr 25, 2026
Details

As Low As; 60 days with no payments.

A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase
5.49%
6-36 Months
View
▼
APR5.49%
Term6-36 Months
Last UpdatedApr 25, 2026
Details

As Low As APR 5.49% APR

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 months
View
▼
APR5.49%
Term6-36 months
Last UpdatedApr 25, 2026
Details

As Low As; 5.49%

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
View
▼
APR5.49%
Term67 - 72
Last UpdatedMay 2, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
View
▼
APR5.51%
Term36 Months
Last UpdatedMay 2, 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
View
▼
APR5.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 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
View
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
5.74%
67-78 months
View
▼
APR5.74%
Term67-78 months
Last UpdatedApr 25, 2026
Details

As Low As; 60 days with no payments.

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 months
View
▼
APR5.74%
Term67-78 months
Last UpdatedApr 25, 2026
Details

As Low As; 5.74%

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
View
▼
APR5.76%
Term36 Months
Last UpdatedMay 2, 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 Loans
5.79%
79-84 months
View
▼
APR5.79%
Term79-84 months
Last UpdatedApr 25, 2026
Details

As Low As; beat your current auto loan rate by 1.00% APR.

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 months
View
▼
APR5.79%
Term79-84 months
Last UpdatedApr 25, 2026
Details

As Low As; 5.79%

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
View
▼
APR5.79%
Term66 Months
Last UpdatedMay 2, 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
View
▼
APR5.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 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
View
▼
APR5.99%
Term73 - 84
Last UpdatedMay 2, 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
View
▼
APR5.99%
Term75 Months
Last UpdatedMay 2, 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
View
▼
APR6.00%
Term76 - 84
Last UpdatedMay 2, 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
View
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMay 2, 2026
Details

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
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 months
View
▼
APR6.15%
Term49 - 63 months
Last UpdatedMay 2, 2026
Details

Rates after 0.25% discount

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
View
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 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
View
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 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
View
▼
APR6.24%
Term1 to 48
Last UpdatedMay 4, 2026
Details

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
View
▼
APR6.25%
Term12 to 48
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may 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
View
▼
APR6.29%
Term84 months
Last UpdatedApr 18, 2026
Details

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
View
▼
APR6.29%
Term66 Months
Last UpdatedMay 2, 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
View
▼
APR6.39%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR6.47%
Term48 Months
Last UpdatedMay 2, 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 Loans
6.49%
79-84 months
View
▼
APR6.49%
Term79-84 months
Last UpdatedApr 25, 2026
Details

As Low As; 60 days with no payments.

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 months
View
▼
APR6.49%
Term79-84 months
Last UpdatedApr 25, 2026
Details

As Low As; 6.49%

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
View
▼
APR6.49%
Term75 Months
Last UpdatedMay 2, 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
6.64%
49 to 66
View
▼
APR6.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR6.75%
Term49 to 66
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

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
View
▼
APR6.79%
Term84 Months
Last UpdatedMay 2, 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
View
▼
APR6.89%
Term60 Months
Last UpdatedApr 19, 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
Auto Loan
6.89%
67 Plus
View
▼
APR6.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

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
View
▼
APR6.95%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As

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
View
▼
APR7.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.39%
72 Months
View
▼
APR7.39%
Term72 Months
Last UpdatedApr 19, 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
Auto Loan
7.49%
1 to 48
View
▼
APR7.49%
Term1 to 48
Last UpdatedMay 4, 2026
Details

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
View
▼
APR7.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.

VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.89%
84 Months
View
▼
APR7.89%
Term84 Months
Last UpdatedApr 19, 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
Auto Loan
7.89%
49 to 66
View
▼
APR7.89%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR8.00%
Term12 to 48
Last UpdatedMay 4, 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%
67 Plus
View
▼
APR8.14%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.25%
12 to 36 Months
View
▼
APR8.25%
Term12 to 36 Months
Last UpdatedMay 4, 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
Business Auto Loans
8.50%
49 to 66
View
▼
APR8.50%
Term49 to 66
Last UpdatedMay 4, 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
Business Auto Loans
8.75%
37 to 60 Months
View
▼
APR8.75%
Term37 to 60 Months
Last UpdatedMay 4, 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
Business Auto Loans
9.00%
12 to 36 Months
View
▼
APR9.00%
Term12 to 36 Months
Last UpdatedMay 4, 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
9.39%
1 to 48
View
▼
APR9.39%
Term1 to 48
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
9.50%
37 to 60 Months
View
▼
APR9.50%
Term37 to 60 Months
Last UpdatedMay 4, 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
9.64%
49 to 66
View
▼
APR9.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR9.75%
Term0 - 36
Last UpdatedMay 2, 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%
67 Plus
View
▼
APR9.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
10.00%
12 to 36 Months
View
▼
APR10.00%
Term12 to 36 Months
Last UpdatedMay 4, 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
Business Auto Loans
10.50%
37 to 60 Months
View
▼
APR10.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details

A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
New/Used Auto Loan
10.75%
0 - 36
View
▼
APR10.75%
Term0 - 36
Last UpdatedMay 2, 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%
37 - 60
View
▼
APR10.75%
Term37 - 60
Last UpdatedMay 2, 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
View
▼
APR11.50%
Term61 - 84
Last UpdatedMay 2, 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
New/Used Auto Loan
11.95%
37 - 60
View
▼
APR11.95%
Term37 - 60
Last UpdatedMay 2, 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
New/Used Auto Loan
12.70%
61 - 84
View
▼
APR12.70%
Term61 - 84
Last UpdatedMay 2, 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
View
▼
APR14.65%
Term1 to 48
Last UpdatedMay 4, 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
14.74%
12 - 66
View
▼
APR14.74%
Term12 - 66
Last UpdatedMay 2, 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
View
▼
APR14.99%
Term67 - 72
Last UpdatedMay 2, 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
View
▼
APR15.10%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR15.35%
Term67 Plus
Last UpdatedMay 4, 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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 2, 2026
Details

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
View
▼
APR17.25%
Term1 to 48
Last UpdatedMay 4, 2026
Details

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
View
▼
APR17.70%
Term49 to 66
Last UpdatedMay 4, 2026
Details

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
View
▼
APR17.90%
Term67 Plus
Last UpdatedMay 4, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
View
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 100,000 miles

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
View
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
View
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; Fixed-Rate up to 36 months

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
View
▼
APR3.99%
Term0-48
Last UpdatedApr 18, 2026
Details

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details

As Low As; 24 month to 84 month terms

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
View
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

As Low As

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details

As Low As

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
View
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2026 & Newer

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
View
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details

As Low As

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
View
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Refinances
4.00%
84 Months
View
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 36 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 mos.
View
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 mos.
View
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loan
4.05%
36 Months
View
▼
APR4.05%
Term36 Months
Last UpdatedApr 17, 2026
Details

As Low As; Model Years: 2019-2025

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
View
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 100,000 miles

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 months
View
▼
APR4.35%
Term84 months
Last UpdatedApr 25, 2026
Details

Rates as low as 4.35%. Apply for a new car loan with us today.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Auto Loan
4.39%
65 months
View
▼
APR4.39%
Term65 months
Last UpdatedApr 25, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
View
▼
APR4.49%
Term0-24
Last UpdatedApr 17, 2026
Details

As Low As

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
View
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.49%
24 Mos.
View
▼
APR4.49%
Term24 Mos.
Last UpdatedMay 2, 2026
Details

As Low As; 4.49%

Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 125% of MSRP with approved credit.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
View
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details

As Low As; APR - 2023 - 2025*

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 48 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
up to 60 month financing available
View
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedApr 25, 2026
Details

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
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 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
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 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
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

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
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 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%
Up to 96 months
View
▼
APR4.99%
TermUp to 96 months
Last UpdatedApr 27, 2026
Details

Starting as low as 4.99%

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
View
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 2, 2026
Details

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
View
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 2, 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
5.24%
12 - 66
View
▼
APR5.24%
Term12 - 66
Last UpdatedMay 2, 2026
Details

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
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 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
View
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 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
5.49%
67 - 72
View
▼
APR5.49%
Term67 - 72
Last UpdatedMay 2, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
View
▼
APR5.51%
Term36 Months
Last UpdatedMay 2, 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
View
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.79%
66 Months
View
▼
APR5.79%
Term66 Months
Last UpdatedMay 2, 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
View
▼
APR5.99%
Term73 - 84
Last UpdatedMay 2, 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
View
▼
APR5.99%
Term75 Months
Last UpdatedMay 2, 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
View
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMay 2, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 months
View
▼
APR6.15%
Term49 - 63 months
Last UpdatedMay 2, 2026
Details

Rates after 0.25% discount

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
View
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 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
6.29%
84 months
View
▼
APR6.29%
Term84 months
Last UpdatedApr 18, 2026
Details

VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedApr 19, 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
View
▼
APR6.79%
Term84 Months
Last UpdatedMay 2, 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
View
▼
APR6.89%
Term60 Months
Last UpdatedApr 19, 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
View
▼
APR7.39%
Term72 Months
Last UpdatedApr 19, 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
View
▼
APR7.89%
Term84 Months
Last UpdatedApr 19, 2026
Details

As Low As; 100% of MSRP

Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
New/Used Auto Loan
10.75%
0 - 36
View
▼
APR10.75%
Term0 - 36
Last UpdatedMay 2, 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
New/Used Auto Loan
11.95%
37 - 60
View
▼
APR11.95%
Term37 - 60
Last UpdatedMay 2, 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
New/Used Auto Loan
12.70%
61 - 84
View
▼
APR12.70%
Term61 - 84
Last UpdatedMay 2, 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
14.74%
12 - 66
View
▼
APR14.74%
Term12 - 66
Last UpdatedMay 2, 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
View
▼
APR14.99%
Term67 - 72
Last UpdatedMay 2, 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
View
▼
APR15.49%
Term73 - 84
Last UpdatedMay 2, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
2.99%
0-36
View
▼
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 7,500 miles

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
View
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade: A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
View
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details

As Low As

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles
3.99%
37-48
View
▼
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
View
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details

Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
View
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 36 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 mos.
View
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
View
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details

As Low As

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
New Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
View
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
View
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 7,500 miles

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
View
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details

As Low As

Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 months
View
▼
APR4.35%
Term84 months
Last UpdatedApr 25, 2026
Details

Rates as low as 4.35%. Apply for a new car loan with us today.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
View
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
View
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
View
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
View
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
View
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
View
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details

As Low As

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details

As Low As

Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details

As Low As; Up to 125% of MSRP with approved credit.

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto
4.49%
72-month
View
▼
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details

As Low As

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
New Auto Loan
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedMay 2, 2026
Details

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details

Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; for 48 months

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details

Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
up to 60 month financing available
View
▼
APR4.50%
Termup to 60 month financing available
Last UpdatedApr 25, 2026
Details

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
View
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 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
View
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 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
View
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details

As Low As; Up to 48 Months

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
View
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 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 (Up to 5 years old)
4.99%
Up to 84 months
View
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details

Starting as low as 4.99%

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
View
▼
APR5.04%
Term66 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

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
View
▼
APR5.24%
Term75 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (6-10 years old)
5.25%
Up to 84 months
View
▼
APR5.25%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details

Starting as low as 5.25%

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
View
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 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
View
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 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
View
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details

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
View
▼
APR6.09%
Term84 Months
Last UpdatedMay 2, 2026
Details

As Low As; with Member Rewards†

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 months
View
▼
APR6.15%
Term49 - 63 months
Last UpdatedMay 2, 2026
Details

Rates after 0.25% discount

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
View
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 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
View
▼
APR9.75%
Term0 - 36
Last UpdatedMay 2, 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
New/Used Auto Loan
10.75%
0 - 36
View
▼
APR10.75%
Term0 - 36
Last UpdatedMay 2, 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%
37 - 60
View
▼
APR10.75%
Term37 - 60
Last UpdatedMay 2, 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
View
▼
APR11.50%
Term61 - 84
Last UpdatedMay 2, 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
New/Used Auto Loan
11.95%
37 - 60
View
▼
APR11.95%
Term37 - 60
Last UpdatedMay 2, 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
New/Used Auto Loan
12.70%
61 - 84
View
▼
APR12.70%
Term61 - 84
Last UpdatedMay 2, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
View
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
View
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
View
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 100,000 miles

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
View
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
View
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
View
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
View
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 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%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
View
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
View
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
View
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details

Grade A+ (800+)

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
View
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
View
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details

As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.

Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details

As Low As

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedApr 25, 2026
Details

1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 mos.
View
▼
APR4.00%
Term36 mos.
Last UpdatedApr 25, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
View
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details

Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details

As Low As

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
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▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details

As Low As

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
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APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details

As Low As

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Used Auto Loans
4.25%
0-24
View
▼
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
View
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details

As Low As

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
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▼
APR4.29%
Term3 yrs*
Last UpdatedApr 25, 2026
Details

As Low As

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
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▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details

As Low As; Fewer than 100,000 miles

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
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▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details

As Low As

Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
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▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details

As Low As; * As Low As (Based On Credit Score And Loan Term)

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
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▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details

As Low As

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
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▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details

As Low As

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
View
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
View
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details

As Low As

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36 Months
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▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details

As Low As

Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 8, 2026
Details

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedApr 25, 2026
Details

Austin, TX Auto Loan Rate Trends

Compare local Austin, TX 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.

View Full Texas Auto Trends →
New Auto Loan — TX Avg
5.187%
▼ 0.025 vs 7 days ago

Texas new auto rates fell 0.025 points over the past 7 days to 5.187% APR.

Used Auto Loan — TX Avg
5.649%
▼ 0.028 vs 7 days ago

Texas used auto rates fell 0.028 points over the past 7 days to 5.649% APR.

As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

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)
  • Capitol Credit Union: 4.29% (Auto Loans)
  • Texas Health Credit Union: 4.49% (New and Used Vehicles)
  • Amplify Credit Union: 4.80% (Auto Loan)
  • Nizari Progressive Federal Credit Union: 4.99% (New Commercial Auto Loan)
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: May 4, 2026

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