Auto Loan Rates in Cedar Park, Texas (TX) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Cedar Park, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Cedar Park, Texas include United Heritage Credit UnionUnited Heritage Credit Union1801 E Whitestone Blvd, Cedar Park, TX, 78613 7425A5.0 ★Texas Ratio: 7.47% offering New/Used Auto Loan at 3.99%, Texell Credit UnionTexell Credit Union875 W Whitestone Blvd, Cedar Park, TX, 78613A+5.0 ★Texas Ratio: 3.58% offering New Auto at 3.99%, Amplify Credit UnionAmplify Credit Union5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903A+5.0 ★Texas Ratio: 2.63% offering Auto Loan at 4.80%, University Federal Credit UnionUniversity Federal Credit Union3200 E Whitestone Blvd, Cedar Park, TX, 78613A5.0 ★Texas Ratio: 8.47% offering Auto Loan at 4.99%, Velocity Credit UnionVelocity Credit Union1230 E New Hope Dr, Cedar Park, TX, 78613A+5.0 ★Texas Ratio: 3.01% offering New Autos with Member Rewards at 5.04%.
Auto loan rates in Cedar Park, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Cedar Park, Texas. Auto Loan Rates Last Updated and Verified: March 21, 2026
Compare Auto Loan Rates Today in Cedar Park, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1801 E Whitestone Blvd, Cedar Park, TX, 78613 7425
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan
4.80%
0 - 48
▼
APR4.80%
Term0 - 48
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan
5.00%
49 - 66
▼
APR5.00%
Term49 - 66
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan
5.20%
67 - 75
▼
APR5.20%
Term67 - 75
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Refinance Loans
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Purchase Loans
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedMar 16, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
5.49%
84-month
▼
APR5.49%
Term84-month
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Purchase Loans
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedMar 16, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Refinance Loans
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Excellent
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Auto Loan
6.00%
76 - 84
▼
APR6.00%
Term76 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
6.25%
12 to 48
▼
APR6.25%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Purchase Loans
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedMar 16, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
6.75%
49 to 66
▼
APR6.75%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
6.89%
49 to 66 Months
▼
APR6.89%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
7.00%
12 to 48
▼
APR7.00%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
7.14%
67 Plus Months
▼
APR7.14%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Good
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
7.49%
1 to 48 Months
▼
APR7.49%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
7.50%
49 to 66
▼
APR7.50%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.00%
12 to 48
▼
APR8.00%
Term12 to 48
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
8.14%
49 to 66 Months
▼
APR8.14%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
8.39%
67 Plus Months
▼
APR8.39%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Average
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Business Auto Loans
8.50%
49 to 66
▼
APR8.50%
Term49 to 66
Last UpdatedMar 15, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
9.39%
1 to 48 Months
▼
APR9.39%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
9.89%
49 to 66 Months
▼
APR9.89%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
10.14%
67 Plus Months
▼
APR10.14%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Fair
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
14.65%
1 to 48 Months
▼
APR14.65%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
15.10%
49 to 66 Months
▼
APR15.10%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
15.35%
67 Plus Months
▼
APR15.35%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Marginal
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.25%
1 to 48 Months
▼
APR17.25%
Term1 to 48 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.70%
49 to 66 Months
▼
APR17.70%
Term49 to 66 Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX, 78613
Auto Loan
17.90%
67 Plus Months
▼
APR17.90%
Term67 Plus Months
Last UpdatedMar 15, 2026
Details
Based on your credit and risk score: Low / No score
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.56%
37-48
▼
APR3.56%
Term37-48
Last UpdatedMar 18, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.90%
18 Months
▼
APR3.90%
Term18 Months
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Auto Loan A+
3.95%
0-36
▼
APR3.95%
Term0-36
Last UpdatedMar 21, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
3.99%
0-48 Months
▼
APR3.99%
Term0-48 Months
Last UpdatedMar 13, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Additional loyalty discount of .25% with direct deposit of $250 per month and auto pay
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 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
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Drive Smart Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
First Time Auto Buyer Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1130 W Camp Wisdom Rd, Dallas, TX, 75232 3404
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; No payments for 90 days.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX, 77584
Auto Loan
4.00%
1 - 48
▼
APR4.00%
Term1 - 48
Last UpdatedMar 20, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; Model Years: 2019-2025
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.06%
37-48
▼
APR4.06%
Term37-48
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
4.06%
49-60
▼
APR4.06%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans B Credit
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 17, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
Up to 84 months
▼
APR4.24%
TermUp to 84 months
Last UpdatedMar 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
8109 Smith Rd, Beaumont, TX, 77705 6108
Auto Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 17, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX, 75034
Any Model Year Vehicle Loan
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 18, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2506 Pine Shadows Dr, Huntsville, TX, 77320
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 17, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
($35,000+ loan)
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.36%
0-36
▼
APR4.36%
Term0-36
Last UpdatedMar 18, 2026
Details
C Credit*
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1801 E Whitestone Blvd, Cedar Park, TX, 78613 7425
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
3.99%
36-month
▼
APR3.99%
Term36-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.24%
60-month
▼
APR4.24%
Term60-month
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
4.49%
72-month
▼
APR4.49%
Term72-month
Last UpdatedMar 21, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMar 15, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
New Auto
5.49%
84-month
▼
APR5.49%
Term84-month
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedMar 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX, 78613 7082
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36
▼
APR2.99%
Term0-36
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 21, 2026
Details
CREDIT SCORE: A+ (800+)
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedMar 21, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Cars
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedMar 13, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 72 months
4.10%
72 Months
▼
APR4.10%
Term72 Months
Last UpdatedMar 18, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMar 13, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles
4.24%
Up to 84 months
▼
APR4.24%
TermUp to 84 months
Last UpdatedMar 21, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
First Financial Bank (TX)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
2506 Pine Shadows Dr, Huntsville, TX, 77320
New Car Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMar 18, 2026
Details
Rate shown includes .25% discount if you sign up for an auto-draft from a First Financial account
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
145 FM 2972 W, RUSK, TX, 75785
New Vehicles-W.A.C.- 2026-2024 Up to 84 months
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedMar 18, 2026
Details
($35,000+ loan)
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
1801 E Whitestone Blvd, Cedar Park, TX, 78613 7425
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX, 78613
Pre-Owned Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX, 78613
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As; with Member Rewardsâ€
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedMar 20, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX, 78613 7903
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedMar 20, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
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 UpdatedMar 15, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 21, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMar 17, 2026
Details
City Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX, 79101 3637
New and Used Auto Loan
4.24%
36 Months
▼
APR4.24%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
DUGOOD
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B, Beaumont, TX, 77708
New & Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 13, 2026
Details
Vehicle Age: Up to 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
4.25%
72 Months
▼
APR4.25%
Term72 Months
Last UpdatedMar 13, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMar 17, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
5140 W Parkway St, Groves, TX, 77619
New and Used Autos
4.25%
36 months
▼
APR4.25%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24
▼
APR4.25%
Term0-24
Last UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.25%
24 Months
▼
APR4.25%
Term24 Months
Last UpdatedMar 21, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedMar 17, 2026
Details
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Frequently Asked Questions about Auto Loans in Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, Texas?
Based on our current data, some of the lowest auto loan rates available in Cedar Park, Texas include:
- United Heritage Credit Union: 3.99% (New/Used Auto Loan)
- Texell Credit Union: 3.99% (New Auto)
- Amplify Credit Union: 4.80% (Auto Loan)
- University Federal Credit Union: 4.99% (Auto Loan)
- Velocity Credit Union: 5.04% (New Autos with Member Rewards)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Cedar Park, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026
