Auto Loan Rates in Austin, Texas (TX) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Austin, Texas include United Heritage Credit UnionUnited Heritage Credit Union12208 N Mopac Expy, Austin, TX, 78758A5.0 ★Texas Ratio: 7.17% offering New/Used Auto Loan at 3.99%, Austin Federal Credit UnionAustin Federal Credit Union1900 Woodward St, Austin, TX, 78741A+5.0 ★Texas Ratio: 5.18% offering Used Vehicles Loan at 3.99%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.09% offering New Auto Loan at 3.99%, University Federal Credit UnionUniversity Federal Credit Union13860 N Highway 183, Austin, TX, 78750A5.0 ★Texas Ratio: 7.63% offering Auto Loan at 4.99%, Velocity Credit UnionVelocity Credit Union705 E 12th St, Austin, TX, 78701 1909A+5.0 ★Texas Ratio: 2.73% offering New Autos at 5.04%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Austin has 10 local institutions in our database, with auto loan rates as low as 3.99% APR from United Heritage Credit Union at 12208 N Mopac Expy, Austin, TX, 78758. 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: June 16, 2026
Compare Auto Loan Rates Today in Austin, Texas & Surrounding Area
Austin Auto Loan Rates
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As
Good: 6.24%, Average: 7.49%, Fair: 9.39%, Marginal: 14.65%, Low / No score: 17.25%
As Low As
As Low As; Up to 5 years old
As Low As; 5.04% with Member Rewardsâ€
As Low As; 5.04% with Member Rewardsâ€
As Low As; 5.04% with Member Rewardsâ€
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; 5.24% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As low as; Estimated Payment Terms: $30.08 per $1,000 per month for 36 months
As Low As; 6-10 Years old / 2015+; Up to $250,000
As Low As; 6-10 years old
As Low As
As Low As; Auto Purchase
As Low As; Estimated Payment Terms: $30.19 per $1,000 per month for 36 months
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Apply Now »
As Low As
Good: 6.64%, Average: 7.89%, Fair: 9.64%, Marginal: 15.10%, Low / No score: 17.70%
As Low As; Estimated Payment Terms: $15.39 per $1,000 per month for 78 months
As Low As; Apply Now »
As low as; Estimated Payment Terms: $14.51 per $1,000 per month for 84 months
As Low As; Apply Now »
Good: 6.89%, Average: 8.14% or 7.89%*, Fair: 9.89% or 9.64%*, Marginal: 15.35%, Low / No score: 17.90%
As Low As
As Low As; 6-10 Years old / 2015+; Up to $250,000
As Low As; Apply Now »
As Low As; 6.09% with Member Rewardsâ€
As Low As; 6.09% with Member Rewardsâ€
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Excellent credit tier
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Apply Now »
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
As Low As
As Low As; Estimated Payment Terms: $14.84 per $1,000 per month for 84 months
As Low As; Apply Now »
Excellent credit tier
As Low As; Apply Now »
As Low As
Good credit tier
Good credit tier
Average credit tier
Excellent credit tier
Average credit tier
Excellent credit tier
Good credit tier
Good credit tier
Average credit tier
Average credit tier
Rates are based on a minimum credit score of 700.
APR*
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Minimum Invoice Amount: $30,000
As Low As; Vehicles with less than 20k miles
Fixed
Rate shown is for 36-month term new auto and includes a 0.25% loyalty discount for recurring monthly direct deposit and auto pay. As low as 3.99% APR*
As Low As; Minimum Invoice Amount: $30,000
As Low As; Vehicles with less than 20k miles
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Annual Percentage Rate (APR)
As Low As; New or used vehicle
Maximum Loan Discount: 0.75%
As Low As; Rates as low as 3.99% - 13.00%
Rates are based on a minimum credit score of 700.
As Low As; Minimum Invoice Amount: $30,000
As Low As; 2020 & newer; Vehicles with less than 20k miles
As Low As
As Low As
Model year 2023 or newer
Model year 2022 or older
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
Model Year: 2011 to 2015
As low as
As Low As; 2026 & Newer
Model Year: 2016 to 2019
Maximum Loan Discount: 0.75%
As Low As; Up to 120% Financing on Approved Credit
Model Year: 2020 to 2024
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As; Fixed Rate
As Low As; Rates as low as 4.25% - 13.49%
As Low As; Rates as low as 4.25% - 13.75%
As low as; Rate includes both discounts
Model Year: 2025 to 2027
As Low As
Maximum APR: 15.14%
As Low As
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As; Rate subject to change.
As Low As
Model Year: 2025 to 2027
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Rates as low as 4.35%.
As Low As; *
Maximum Loan Discount: 0.75%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% - 14.00%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As; 2022 & newer; Vehicles with less than 20k miles
As Low As
As Low As; financing available
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%
All APPROVED loans are eligible for this rate! Terms and conditions apply.
As Low As; Rates as low as 4.50% - 14.00%
Limited-time auto loan rate from June 5th to July 31st. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
As low as
As Low As; Now-July 7
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
APR as low as
Loan Amount: $2,500+
Rates as low as 4.60%.
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin New Auto Auto Loan Rates
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As
As Low As
As Low As; 5.04% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Apply Now »
As Low As
As Low As; Apply Now »
As Low As
As Low As; Apply Now »
As Low As; 6.09% with Member Rewardsâ€
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
As Low As; Apply Now »
Rates are based on a minimum credit score of 700.
APR*
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Minimum Invoice Amount: $30,000
Fixed
As Low As; Minimum Invoice Amount: $30,000
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; New or used vehicle
As Low As; Rates as low as 3.99% - 13.00%
Rates are based on a minimum credit score of 700.
As Low As; Minimum Invoice Amount: $30,000
As Low As
Model year 2023 or newer
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
As low as
As Low As; Up to 120% Financing on Approved Credit
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As; Rates as low as 4.25% - 13.49%
As low as; Rate includes both discounts
As Low As
Maximum APR: 15.14%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Rates as low as 4.35%.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% - 14.00%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As
As Low As; financing available
Credit Score: 730+ - A+; Max LTV: 100%
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Austin Used Auto Auto Loan Rates
As Low As
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As
As Low As; Up to 5 years old
As Low As; 5.04% with Member Rewardsâ€
As Low As; 5.04% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As; 5.24% with Member Rewardsâ€
As Low As; 6-10 Years old / 2015+; Up to $250,000
As Low As; 6-10 years old
As Low As
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As
As Low As
As Low As; 6-10 Years old / 2015+; Up to $250,000
As Low As; 6.09% with Member Rewardsâ€
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Rates effective as of June 1, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
APR*
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Vehicles with less than 20k miles
Fixed
As Low As; Vehicles with less than 20k miles
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; New or used vehicle
As Low As; 2020 & newer; Vehicles with less than 20k miles
As Low As
Model year 2022 or older
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rate
As Low As; Rates as low as 4.25% - 13.75%
As low as; Rate includes both discounts
As Low As
Maximum APR: 15.14%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
As Low As; Up to 120% Financing on Approved Credit
As Low As; 2022 & newer; Vehicles with less than 20k miles
As Low As
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; Rates as low as 4.50% - 14.00%
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
As low as
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Rates as low as 4.60%.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
Austin, 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.
Texas new auto rates rose 0.105 points over the past 7 days to 5.809% APR.
Texas used auto rates rose 0.004 points over the past 7 days to 5.454% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Austin, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Austin, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Austin, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Austin, Texas
How does my credit score affect my car loan rate in Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Austin, Texas?
- United Heritage Credit Union: 3.99% (New/Used Auto Loan)
- Austin Federal Credit Union: 3.99% (Used Vehicles Loan)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan)
- University Federal Credit Union: 4.99% (Auto Loan)
- Velocity Credit Union: 5.04% (New Autos)
