Auto Loan Rates in Carrollton, Texas (TX) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
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 Carrollton, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Carrollton, Texas include Valwood Park Federal Credit UnionValwood Park Federal Credit Union1001 E Crosby Rd, Carrollton, TX, 75006 7260A+5.0 ★Texas Ratio: 1.59% offering Used Auto/Refinance Auto at 3.99%, Resource One Credit UnionResource One Credit Union2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010B+4.7 ★Texas Ratio: 19.00% offering New and Used Auto Loans at 4.79%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union3564 North Josey LN, Carrollton, TX, 75007A+5.0 ★Texas Ratio: 2.18% offering New Commercial Auto Loan at 4.99%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.98% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 0.63% offering New vehicles at 2.99%. Auto loan rates as of May 6, 2026 according to verified data from MonitorBankRates.
Carrollton has 3 local institutions in our database, with auto loan rates as low as 3.99% APR from Valwood Park Federal Credit Union at 1001 E Crosby Rd, Carrollton, TX, 75006 7260. 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 Carrollton, Texas. Auto Loan Rates Last Updated and Verified: May 6, 2026
Compare Auto Loan Rates Today in Carrollton, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
3564 North Josey LN, Carrollton, TX, 75007
New Commercial Auto Loan
4.99%
Up to 96 months
▼
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%
3564 North Josey LN, Carrollton, TX, 75007
Used Commercial Auto Loan (Up to 5 years old)
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details
Starting as low as 4.99%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedApr 27, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
3564 North Josey LN, Carrollton, TX, 75007
Used Commercial Auto Loan (6-10 years old)
5.25%
Up to 84 months
▼
APR5.25%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details
Starting as low as 5.25%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
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
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
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
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
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
▼
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
▼
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
▼
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
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
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
▼
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 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
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 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
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fixed-Rate up to 36 months
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 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
▼
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
▼
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
▼
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
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
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
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
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loan
4.05%
36 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
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
▼
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
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 6, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
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
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
▼
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
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMay 6, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMay 6, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
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
▼
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
▼
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
▼
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
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
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
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 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
▼
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
▼
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
▼
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.
▼
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
▼
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
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2023 - 2025*
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
▼
APR4.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
Auto Loan 36mm
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedApr 27, 2026
Details
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 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
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.55%
2 Yrs
▼
APR4.55%
Term2 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2011 to 2015
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
▼
APR4.55%
Term1 - 54
Last UpdatedMay 6, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Refinance
4.64%
54 months
▼
APR4.64%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.65%
3 Yrs
▼
APR4.65%
Term3 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2016 to 2019
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
▼
APR4.65%
Term1 - 48
Last UpdatedMay 6, 2026
Details
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Auto Loans
4.67%
60 Months
▼
APR4.67%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan Refinance
4.69%
1 - 63
▼
APR4.69%
Term1 - 63
Last UpdatedApr 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.70%
2 Months
▼
APR4.70%
Term2 Months
Last UpdatedApr 18, 2026
Details
2011 to 2015 Model Year
Members Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.04%
Autos
4.74%
2 Years or Less
▼
APR4.74%
Term2 Years or Less
Last UpdatedApr 8, 2026
Details
As Low As
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loans
4.74%
48 Mos.
▼
APR4.74%
Term48 Mos.
Last UpdatedMay 2, 2026
Details
As Low As; 4.74%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.75%
4 Yrs
▼
APR4.75%
Term4 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2020 to 2024
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
▼
APR4.75%
Term1 - 42
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 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)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedMay 6, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.80%
3 Months
▼
APR4.80%
Term3 Months
Last UpdatedApr 18, 2026
Details
2016 to 2019 Model Year
APR4.80%
Term0 - 48
Last UpdatedMay 2, 2026
Details
As Low As
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Vehicle Loan
4.84%
60 Months
▼
APR4.84%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Auto Loan
4.85%
5 Yrs
▼
APR4.85%
Term5 Yrs
Last UpdatedApr 18, 2026
Details
Model Year: 2025 to 2027
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2016
4.85%
1 - 36
▼
APR4.85%
Term1 - 36
Last UpdatedMay 6, 2026
Details
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
Auto Loan Refinance
4.89%
64 - 75
▼
APR4.89%
Term64 - 75
Last UpdatedApr 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
New Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Used Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; Models up to 5 Years Old; $14,999.99 or Less
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
3564 North Josey LN, Carrollton, TX, 75007
New Commercial Auto Loan
4.99%
Up to 96 months
▼
APR4.99%
TermUp to 96 months
Last UpdatedApr 27, 2026
Details
Starting as low as 4.99%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
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
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
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
▼
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
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
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
▼
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 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
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 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
▼
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
▼
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 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
▼
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
▼
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
▼
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
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 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
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
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
▼
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
▼
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
▼
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
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
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
▼
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
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
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
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 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
▼
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
▼
APR4.35%
Term84 Months
Last UpdatedMay 6, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
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
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
▼
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
▼
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
▼
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
▼
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
▼
APR4.49%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
APR4.49%
Term72-month
Last UpdatedMay 2, 2026
Details
As Low As
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
▼
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
▼
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
▼
APR4.50%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 48 months
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.45%
New Car
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 6, 2026
Details
up to 60 month financing available
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.59%
60 Months
▼
APR4.59%
Term60 Months
Last UpdatedApr 19, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
4.69%
48 Months
▼
APR4.69%
Term48 Months
Last UpdatedApr 18, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedApr 17, 2026
Details
Keystone Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.48%
New Vehicle
4.74%
78 Months
▼
APR4.74%
Term78 Months
Last UpdatedApr 19, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 8, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 60 months
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
New Auto
4.75%
36 - 120 months
▼
APR4.75%
Term36 - 120 months
Last UpdatedMay 2, 2026
Details
As Low As
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedMay 6, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 15.16%
New Vehicle 2025 and newer
4.85%
48 Months
▼
APR4.85%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; rates are set according to credit rating
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
New Auto
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedApr 8, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 27, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 27, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
3564 North Josey LN, Carrollton, TX, 75007
Used Commercial Auto Loan (Up to 5 years old)
4.99%
Up to 84 months
▼
APR4.99%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details
Starting as low as 4.99%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedApr 27, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
3564 North Josey LN, Carrollton, TX, 75007
Used Commercial Auto Loan (6-10 years old)
5.25%
Up to 84 months
▼
APR5.25%
TermUp to 84 months
Last UpdatedApr 27, 2026
Details
Starting as low as 5.25%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
2501 E Hebron Pkwy Ste 300, Carrollton, TX, 75010
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
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
▼
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
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 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
▼
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
▼
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
▼
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
▼
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.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 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
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
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
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 6, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMay 6, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
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
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedMay 6, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
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
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 27, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36 Months
▼
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
▼
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
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
APR4.50%
Term49-60
Last UpdatedMay 2, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2022 & newer, Up to 72 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.54%
71 Months
▼
APR4.54%
Term71 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.55%
24 months
▼
APR4.55%
Term24 months
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2019
4.55%
1 - 54
▼
APR4.55%
Term1 - 54
Last UpdatedMay 6, 2026
Details
White Sands Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Used Auto Loan
4.59%
72 Months
▼
APR4.59%
Term72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Loyalty Plus & Online Application Discount
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
Used Car Loan
4.60%
72 Months
▼
APR4.60%
Term72 Months
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2018
4.65%
1 - 48
▼
APR4.65%
Term1 - 48
Last UpdatedMay 6, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Used Auto Loans
4.74%
36 months
▼
APR4.74%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualified buyers: Take 90 days to make your first payment.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Auto Loan
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 17, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.74%
72 months
▼
APR4.74%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMay 2, 2026
Details
As Low As
APR4.74%
Term48 Months
Last UpdatedMay 2, 2026
Details
Odessa Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Vehicles
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 8, 2026
Details
Libertyone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
New and Used Automobiles
4.75%
36 months
▼
APR4.75%
Term36 months
Last UpdatedMay 2, 2026
Details
Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Used Autos: 2017 - 2025
4.75%
Up to 48 months
▼
APR4.75%
TermUp to 48 months
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2017
4.75%
1 - 42
▼
APR4.75%
Term1 - 42
Last UpdatedMay 6, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.75%
78 Months
▼
APR4.75%
Term78 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2024 & newer, Up to 78 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.79%
60 Months
▼
APR4.79%
Term60 Months
Last UpdatedApr 8, 2026
Details
As Low As
MilWay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
New/Used Vehicles (2026-older)
4.79%
Up to 51 Months
▼
APR4.79%
TermUp to 51 Months
Last UpdatedApr 27, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.79%
7 yrs**
▼
APR4.79%
Term7 yrs**
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2016
4.85%
1 - 36
▼
APR4.85%
Term1 - 36
Last UpdatedMay 6, 2026
Details
1st University Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.48%
Used Auto
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As; Models up to 5 Years Old; $14,999.99 or Less
Powered by
MonitorBankRates
Carrollton, TX Auto Loan Rate Trends
Compare local Carrollton, 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.
New Auto Loan — TX Avg
5.246%
▲ 0.034 vs 7 days ago
Texas new auto rates rose 0.034 points over the past 7 days to 5.246% APR.
Used Auto Loan — TX Avg
6.106%
▲ 0.429 vs 7 days ago
Texas used auto rates rose 0.429 points over the past 7 days to 6.106% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Carrollton, 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 Carrollton, 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 Carrollton, 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 Carrollton, Texas?
Based on our current data, some of the lowest auto loan rates available in Carrollton, Texas include:
- Valwood Park Federal Credit Union: 3.99% (Used Auto/Refinance Auto)
- Resource One Credit Union: 4.79% (New and Used Auto Loans)
- Nizari Progressive Federal Credit Union: 4.99% (New Commercial Auto Loan)
- IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
- TEXOMA EDUCATORS: 2.99% (New vehicles)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Carrollton, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking