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Frisco, Texas Best Auto Loan Rates - August 2026

Content reviewed by
Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Frisco, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: August 28, 2026

Current auto loan rates in Frisco, Texas include Manville Area Federal Credit UnionManville Area Federal Credit Union2610 Network Blvd Ste 600, Frisco, TX, 75034 6009A+5.0 ★Texas Ratio: 0.00% offering New Cars and Trucks Loan at 4.00%, Healthcare Financial Federal Credit UnionHealthcare Financial Federal Credit Union2601 Network Blvd, Frisco, TX, 75034A+5.0 ★Texas Ratio: 1.25% offering New Autos: 2025 - 2026, Demos < 10,000 Miles at 4.75%, Texans Credit UnionTexans Credit Union3232 Main St, Frisco, TX, 75033 4424A+5.0 ★Texas Ratio: 2.78% offering New Vehicles Loan at 4.79%, El Monte Community Credit UnionEl Monte Community Credit Union2601 NETWORK BLVD, FRISCO, TX, 75034A+5.0 ★Texas Ratio: 0.87% offering New Auto at 4.99%, SECNY Federal Credit UnionSECNY Federal Credit Union2601 Network Blvd Ste 600, Frisco, TX, 75034A5.0 ★Texas Ratio: 7.89% offering Vehicle Loan at 5.00%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.

Frisco has 9 local institutions in our database, with auto loan rates as low as 4.00% APR from Manville Area Federal Credit Union at 2610 Network Blvd Ste 600, Frisco, TX, 75034 6009. 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 Frisco, Texas. Auto Loan Rates Last Updated and Verified: August 28, 2026

Compare Auto Loan Rates Today in Frisco, Texas & Surrounding Area

Jump to: All Auto Loans · New Auto · Used Auto

Frisco Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 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 Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 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
Used Cars and Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
4.79%
0 to 36 Months
View
▼
APR4.79%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details

As low as*

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
4.79%
0 to 36 Months
View
▼
APR4.79%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedAug 28, 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 Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 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
Used Cars and Trucks Loan
5.00%
42 Months
View
▼
APR5.00%
Term42 Months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.00%
12 months
View
▼
APR5.00%
Term12 months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.00%
12 months
View
▼
APR5.00%
Term12 months
Last UpdatedAug 28, 2026
Details

As low as

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.09%
37 to 48 Months
View
▼
APR5.09%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.19%
0 - 36 Months
View
▼
APR5.19%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

A+ Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
Used Vehicles 2023-2025 Loan
5.19%
Up to 84 Months
View
▼
APR5.19%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Rates as low as 5.19%. Same as above.

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.25%
48 months
View
▼
APR5.25%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.29%
37 to 48 Months
View
▼
APR5.29%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.39%
37 - 48 Months
View
▼
APR5.39%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

A+ Tier

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.43%
49 to 60 Months
View
▼
APR5.43%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 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 Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 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
Used Cars and Trucks Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.50%
60 months
View
▼
APR5.50%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.50%
48 months
View
▼
APR5.50%
Term48 months
Last UpdatedAug 28, 2026
Details

As low as

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.51%
61 to 72 Months
View
▼
APR5.51%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.59%
0 - 36 Months
View
▼
APR5.59%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

A Tier

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.59%
73 to 75 Months
View
▼
APR5.59%
Term73 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as*

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.69%
76 to 78 Months
View
▼
APR5.69%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details

As low as*

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.70%
61 to 72 Months
View
▼
APR5.70%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As low as*

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.75%
72 months
View
▼
APR5.75%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
5.75%
60 months
View
▼
APR5.75%
Term60 months
Last UpdatedAug 28, 2026
Details

As low as

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.79%
37 - 48 Months
View
▼
APR5.79%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

A Tier

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.94%
79 to 84 Months
View
▼
APR5.94%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details

As low as*4

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.95%
73 to 75 Months
View
▼
APR5.95%
Term73 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as*

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.99%
49 - 66 Months
View
▼
APR5.99%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

A Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
6.00%
84 months
View
▼
APR6.00%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
6.00%
72 months
View
▼
APR6.00%
Term72 months
Last UpdatedAug 28, 2026
Details

As low as

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
6.00%
76 to 78 Months
View
▼
APR6.00%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2016 & Older - Up to 60 months
6.10%
Up to 60 months
View
▼
APR6.10%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.25%
30 Months
View
▼
APR6.25%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.29%
67 - 75 Months
View
▼
APR6.29%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.49%
76 - 84 Months
View
▼
APR6.49%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

A Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedAug 28, 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
Used Cars and Trucks Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.59%
0 - 36 Months
View
▼
APR6.59%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.69%
37 - 48 Months
View
▼
APR6.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

B Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
6.75%
Up to 60 Months
View
▼
APR6.75%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
6.75%
84 months
View
▼
APR6.75%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.85%
60 Months
View
▼
APR6.85%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.89%
49 - 66 Months
View
▼
APR6.89%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

B Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
7.09%
67 - 75 Months
View
▼
APR7.09%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

B Tier

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
7.19%
79 to 84 Months
View
▼
APR7.19%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details

As low as*4

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
7.25%
12 months
View
▼
APR7.25%
Term12 months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
7.29%
76 - 84 Months
View
▼
APR7.29%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

B Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
7.50%
72 Months
View
▼
APR7.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: Classic 20+ Years
7.60%
Up to 60 months
View
▼
APR7.60%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
7.75%
48 months
View
▼
APR7.75%
Term48 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
8.00%
60 months
View
▼
APR8.00%
Term60 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.25%
84 Months
View
▼
APR8.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.39%
0 - 36 Months
View
▼
APR8.39%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

C Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
8.50%
Up to 60 Months
View
▼
APR8.50%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

As Low As

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.50%
30 Months
View
▼
APR8.50%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.59%
37 - 48 Months
View
▼
APR8.59%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

C Tier

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.75%
48 Months
View
▼
APR8.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.79%
49 - 66 Months
View
▼
APR8.79%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

C Tier

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.95%
60 Months
View
▼
APR8.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.99%
67 - 75 Months
View
▼
APR8.99%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

C Tier

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.99%
72 Months
View
▼
APR8.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
9.19%
76 - 84 Months
View
▼
APR9.19%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

C Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
9.25%
12 months
View
▼
APR9.25%
Term12 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
9.50%
48 months
View
▼
APR9.50%
Term48 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
9.50%
12 months
View
▼
APR9.50%
Term12 months
Last UpdatedAug 28, 2026
Details

As Low As

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
9.75%
60 months
View
▼
APR9.75%
Term60 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.75%
72 Months
View
▼
APR9.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 639 to 600 (C); LTV: 120% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.99%
84 Months
View
▼
APR9.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 639 to 600 (C); LTV: 120% nada base retail value

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
10.00%
72 months
View
▼
APR10.00%
Term72 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
10.00%
48 months
View
▼
APR10.00%
Term48 months
Last UpdatedAug 28, 2026
Details

As Low As

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.00%
30 Months
View
▼
APR10.00%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
10.25%
84 months
View
▼
APR10.25%
Term84 months
Last UpdatedAug 28, 2026
Details

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
10.25%
60 months
View
▼
APR10.25%
Term60 months
Last UpdatedAug 28, 2026
Details

As Low As

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.25%
48 Months
View
▼
APR10.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
10.50%
72 months
View
▼
APR10.50%
Term72 months
Last UpdatedAug 28, 2026
Details

As Low As

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.50%
72 Months
View
▼
APR10.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.75%
84 Months
View
▼
APR10.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
10.99%
0 - 36 Months
View
▼
APR10.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.19%
37 - 48 Months
View
▼
APR11.19%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

D Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
11.25%
84 months
View
▼
APR11.25%
Term84 months
Last UpdatedAug 28, 2026
Details

As Low As

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.39%
49 - 66 Months
View
▼
APR11.39%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

D Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
11.50%
12 months
View
▼
APR11.50%
Term12 months
Last UpdatedAug 28, 2026
Details

As low as

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.59%
67 - 75 Months
View
▼
APR11.59%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.79%
76 - 84 Months
View
▼
APR11.79%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

D Tier

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
12.00%
48 months
View
▼
APR12.00%
Term48 months
Last UpdatedAug 28, 2026
Details

As low as

SECNY Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.89%
2601 Network Blvd Ste 600, Frisco, TX, 75034
Vehicle Loan
12.25%
60 months
View
▼
APR12.25%
Term60 months
Last UpdatedAug 28, 2026
Details

As low as

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
12.25%
60 Months
View
▼
APR12.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
12.50%
72 Months
View
▼
APR12.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
13.25%
84 Months
View
▼
APR13.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
15.49%
0 - 36 Months
View
▼
APR15.49%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
15.99%
37 - 48 Months
View
▼
APR15.99%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
16.49%
49 - 66 Months
View
▼
APR16.49%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
16.99%
67 - 75 Months
View
▼
APR16.99%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

E Tier

Randolph Brooks FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
4040 Preston Rd, Frisco, TX, 75034
VehicleVantage Auto/Truck
18.00%
24 - 36 months
View
▼
APR18.00%
Term24 - 36 months
Last UpdatedAug 28, 2026
Details

As low as; Up to

BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
1.99%
1 yr.
View
▼
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details

For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
View
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
View
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
View
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
View
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
View
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Auto Loans
2.50%
84 months
View
▼
APR2.50%
Term84 months
Last UpdatedAug 28, 2026
Details

As low as 2.50% APR. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing.

HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
View
▼
APR2.50%
Term36 months
Last UpdatedAug 28, 2026
Details

2026, 2025, 2024

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
View
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
View
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
View
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loans
2.95%
up to 84 months
View
▼
APR2.95%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

As Low As; 1.50% length of Membership Incentive Interest Rate Discount

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
2.95%
36 Months
View
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
View
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan (2026)
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedAug 28, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Rates below are based on a minimum credit score of 700.

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.01%
36 Months
View
▼
APR3.01%
Term36 Months
Last UpdatedAug 28, 2026
Details

A+ Credit*

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
View
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details

Fixed

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Auto Loan
3.24%
12 Months
View
▼
APR3.24%
Term12 Months
Last UpdatedAug 28, 2026
Details

As Low As; Other terms available.

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
View
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As low as

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Autos
3.24%
12 - 36 months
View
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as*

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Pre-Owned Autos
3.24%
12 - 36 months
View
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as*

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.26%
36 Months
View
▼
APR3.26%
Term36 Months
Last UpdatedAug 28, 2026
Details

A Credit*

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 37-48 Months
3.26%
48 Months
View
▼
APR3.26%
Term48 Months
Last UpdatedAug 28, 2026
Details

A+ Credit*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2025 Loan
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
View
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
View
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as; Take a courtesy credit of 0.25%, if financed less than 36 months

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
Auto Loan
3.50%
36 months
View
▼
APR3.50%
Term36 months
Last UpdatedAug 28, 2026
Details

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
View
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
View
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan up to 75 Months
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Fewer than 7,500 miles

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
36 months
View
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details

Minimum Invoice Amount: $30,000; Rates are as low as shown.

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
View
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

All model years; Vehicles with less than 20k miles

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
View
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.76%
36 Months
View
▼
APR3.76%
Term36 Months
Last UpdatedAug 28, 2026
Details

B Credit*

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 37-48 Months
3.76%
48 Months
View
▼
APR3.76%
Term48 Months
Last UpdatedAug 28, 2026
Details

A Credit*

Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 49-60 Months
3.76%
60 Months
View
▼
APR3.76%
Term60 Months
Last UpdatedAug 28, 2026
Details

A+ Credit*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.90%
72 mos.
View
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
View
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

Model Year: 2025

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A (720-799)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 37-60 Months
3.95%
60 Months
View
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A (720-799)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
View
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
View
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details

As low as

Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Fixed Rate

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

As Low As; New or used vehicle up to 36 months.

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Maximum Loan Discount: 0.75%

Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Titled Vehicle Loan
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 18.00%**; Fixed

Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Titled Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 18.00%**; Fixed

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Depending on Age

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Vehicles Loan
3.99%
Up to 84 months, Depending on Age
View
▼
APR3.99%
TermUp to 84 months, Depending on Age
Last UpdatedAug 28, 2026
Details

As Low As

Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details

LIFE Federal Credit Union
Institution Rating:
C-3.7 ★ Texas Ratio: 27.61%
Repo Vehicle Loans 60 Months Fixed Rate
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; Qualifying rate - Conditions apply; Up to $250,000

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; Up to 5 Years old / 2021+; Up to $250,000

SPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.14%
Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

For a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53. Discounted rate. $200 cash bonus. No payments for 90 days.

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Rates as low as 3.99% - 13.00%

United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 36 Months
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 48 Months
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details

Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 60 Months
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans 54 months or Less
3.99%
54 months or Less
View
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details

As low as

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Frisco New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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 Loan
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 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 Loan
4.50%
48 Months
View
▼
APR4.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
4.79%
0 to 36 Months
View
▼
APR4.79%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
4.99%
24 Months
View
▼
APR4.99%
Term24 Months
Last UpdatedAug 28, 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 Loan
5.00%
60 Months
View
▼
APR5.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.09%
37 to 48 Months
View
▼
APR5.09%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.19%
0 - 36 Months
View
▼
APR5.19%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

A+ Tier

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.39%
37 - 48 Months
View
▼
APR5.39%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

A+ Tier

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.43%
49 to 60 Months
View
▼
APR5.43%
Term49 to 60 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
New Autos: 2025 - 2026, Demos < 10,000 Miles
5.49%
Up to 84 months
View
▼
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 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 Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.51%
61 to 72 Months
View
▼
APR5.51%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.59%
0 - 36 Months
View
▼
APR5.59%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

A Tier

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.59%
73 to 75 Months
View
▼
APR5.59%
Term73 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as*

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.69%
76 to 78 Months
View
▼
APR5.69%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details

As low as*

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.79%
37 - 48 Months
View
▼
APR5.79%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

A Tier

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
New car purchase Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
New car rate Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
New Vehicles Loan
5.94%
79 to 84 Months
View
▼
APR5.94%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details

As low as*4

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
5.99%
49 - 66 Months
View
▼
APR5.99%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

A Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
5.99%
48 Months
View
▼
APR5.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.29%
67 - 75 Months
View
▼
APR6.29%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

A Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.49%
76 - 84 Months
View
▼
APR6.49%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

A Tier

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
New Auto
6.49%
84 Months
View
▼
APR6.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.59%
0 - 36 Months
View
▼
APR6.59%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.69%
37 - 48 Months
View
▼
APR6.69%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
6.89%
49 - 66 Months
View
▼
APR6.89%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
7.09%
67 - 75 Months
View
▼
APR7.09%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
7.29%
76 - 84 Months
View
▼
APR7.29%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

B Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.39%
0 - 36 Months
View
▼
APR8.39%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.59%
37 - 48 Months
View
▼
APR8.59%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.79%
49 - 66 Months
View
▼
APR8.79%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
8.99%
67 - 75 Months
View
▼
APR8.99%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
9.19%
76 - 84 Months
View
▼
APR9.19%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

C Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
10.99%
0 - 36 Months
View
▼
APR10.99%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.19%
37 - 48 Months
View
▼
APR11.19%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.39%
49 - 66 Months
View
▼
APR11.39%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.59%
67 - 75 Months
View
▼
APR11.59%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
11.79%
76 - 84 Months
View
▼
APR11.79%
Term76 - 84 Months
Last UpdatedAug 28, 2026
Details

D Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
15.49%
0 - 36 Months
View
▼
APR15.49%
Term0 - 36 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
15.99%
37 - 48 Months
View
▼
APR15.99%
Term37 - 48 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
16.49%
49 - 66 Months
View
▼
APR16.49%
Term49 - 66 Months
Last UpdatedAug 28, 2026
Details

E Tier

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
NEW VEHICLES 2025-2026 NEVER TITLED Loan
16.99%
67 - 75 Months
View
▼
APR16.99%
Term67 - 75 Months
Last UpdatedAug 28, 2026
Details

E Tier

BELTON
Institution Rating:
A-5.0 ★ Texas Ratio: 1.55%
New Vehicle Loan
1.99%
1 yr.
View
▼
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details

For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
2.95%
36 Months
View
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details

TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
View
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

Rates below are based on a minimum credit score of 700.

Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
View
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details

Fixed

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
View
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As low as

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Autos
3.24%
12 - 36 months
View
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
View
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
View
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

As low as; Take a courtesy credit of 0.25%, if financed less than 36 months

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
View
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
View
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details

Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan up to 75 Months
3.70%
75 Months
View
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Fewer than 7,500 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
36 months
View
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details

Minimum Invoice Amount: $30,000; Rates are as low as shown.

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
View
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.90%
72 mos.
View
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
View
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A (720-799)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 37-60 Months
3.95%
60 Months
View
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
View
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details

As low as

Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

As Low As; New or used vehicle up to 36 months.

Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Titled Vehicle Loan
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 18.00%**; Fixed

Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details

Depending on Age

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; Qualifying rate - Conditions apply; Up to $250,000

US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; Rates as low as 3.99% - 13.00%

United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans 54 months or Less
3.99%
54 months or Less
View
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details

As low as

Frisco Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
4.50%
36 Months
View
▼
APR4.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.75%
Up to 48 months
View
▼
APR4.75%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
4.79%
0 to 36 Months
View
▼
APR4.79%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 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
Used Cars and Trucks Loan
5.00%
42 Months
View
▼
APR5.00%
Term42 Months
Last UpdatedAug 28, 2026
Details

Roswell Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
2601 Network Blvd, Frisco, TX, 75034
Used Vehicles 2023-2025 Loan
5.19%
Up to 84 Months
View
▼
APR5.19%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details

Rates as low as 5.19%. Same as above.

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2017 - 2025
5.25%
Up to 72 months
View
▼
APR5.25%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.29%
37 to 48 Months
View
▼
APR5.29%
Term37 to 48 Months
Last UpdatedAug 28, 2026
Details

As low as*

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
5.50%
48 Months
View
▼
APR5.50%
Term48 Months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.70%
61 to 72 Months
View
▼
APR5.70%
Term61 to 72 Months
Last UpdatedAug 28, 2026
Details

As low as*

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
5.95%
73 to 75 Months
View
▼
APR5.95%
Term73 to 75 Months
Last UpdatedAug 28, 2026
Details

As low as*

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
Used car purchase Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
4998 Preston Rd, Frisco, TX, 75034
Used car rate Loan
5.99%
60 months
View
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
5.99%
24 Months
View
▼
APR5.99%
Term24 Months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
6.00%
76 to 78 Months
View
▼
APR6.00%
Term76 to 78 Months
Last UpdatedAug 28, 2026
Details

As low as*

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: 2016 & Older - Up to 60 months
6.10%
Up to 60 months
View
▼
APR6.10%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.25%
30 Months
View
▼
APR6.25%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
Used Cars and Trucks Loan
6.50%
60 Months
View
▼
APR6.50%
Term60 Months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.50%
36 Months
View
▼
APR6.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.75%
48 Months
View
▼
APR6.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
6.85%
60 Months
View
▼
APR6.85%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
6.99%
48 Months
View
▼
APR6.99%
Term48 Months
Last UpdatedAug 28, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
3232 Main St, Frisco, TX, 75033 4424
Used Vehicles Loan
7.19%
79 to 84 Months
View
▼
APR7.19%
Term79 to 84 Months
Last UpdatedAug 28, 2026
Details

As low as*4

El Monte Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.87%
2601 NETWORK BLVD, FRISCO, TX, 75034
Used Auto
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
7.50%
72 Months
View
▼
APR7.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

Healthcare Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
2601 Network Blvd, Frisco, TX, 75034
Used Autos: Classic 20+ Years
7.60%
Up to 60 months
View
▼
APR7.60%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.25%
84 Months
View
▼
APR8.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 690 AND ABOVE (A); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.50%
30 Months
View
▼
APR8.50%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.75%
48 Months
View
▼
APR8.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.95%
60 Months
View
▼
APR8.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
8.99%
72 Months
View
▼
APR8.99%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.25%
84 Months
View
▼
APR9.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 689 to 640 (B); LTV: 125% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.75%
72 Months
View
▼
APR9.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 639 to 600 (C); LTV: 120% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
9.99%
84 Months
View
▼
APR9.99%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 639 to 600 (C); LTV: 120% nada base retail value

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.00%
30 Months
View
▼
APR10.00%
Term30 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.25%
48 Months
View
▼
APR10.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.50%
72 Months
View
▼
APR10.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
10.75%
84 Months
View
▼
APR10.75%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 599 to 550 (D); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
12.25%
60 Months
View
▼
APR12.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
12.50%
72 Months
View
▼
APR12.50%
Term72 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

VAH Lyons Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
6160 Warren Pkwy Ste 500, Frisco, TX, 75034
Used Vehicle Loan
13.25%
84 Months
View
▼
APR13.25%
Term84 Months
Last UpdatedAug 28, 2026
Details

Score/Term: 549 & BELOW (E); LTV: 100% nada base retail

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
View
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
View
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
View
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
View
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
View
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
View
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
View
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
View
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
View
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details

As Low As; With Approved Credit

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
View
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
View
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details

Fixed

Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
View
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New and Pre-Owned Autos
3.24%
12-36 Months
View
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details

As low as

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Pre-Owned Autos
3.24%
12 - 36 months
View
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details

Rates as low as*

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2025 Loan
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
View
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details

USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
View
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

As Low As

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
View
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Fewer than 100,000 miles

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
View
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details

All model years; Vehicles with less than 20k miles

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
View
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details

The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details

Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
View
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details

As Low As; *

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

Model Year: 2024

Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
View
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details

Model Year: 2025

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details

As Low As

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
View
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details

A (720-799)

IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
View
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details

A+ (800+)

Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details

Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details

As Low As; New or used vehicle up to 36 months.

Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Titled Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details

As Low As; up to 18.00%**; Fixed

Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details

As Low As; Up to 5 Years old / 2021+; Up to $250,000

United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details

Frisco, TX Auto Loan Rate Trends

Compare local Frisco, TX auto loan rates against the statewide average

Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Texas Auto Trends →
New Auto Loan — TX Avg
5.934%
▲ 0.143 vs 7 days ago

Texas new auto rates rose 0.143 points over the past 7 days to 5.934% APR.

Used Auto Loan — TX Avg
5.981%
▲ 0.167 vs 7 days ago

Texas used auto rates rose 0.167 points over the past 7 days to 5.981% APR.

As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.93% APR
TX average		 Used Auto @ 5.98% APR
TX average		 Monthly Difference
$15,000 $289.53/mo $289.86/mo $0.32/mo
$25,000 $482.56/mo $483.10/mo $0.54/mo
$35,000 $675.58/mo $676.34/mo $0.76/mo
$45,000 $868.60/mo $869.57/mo $0.97/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

About Our Frisco, Texas Auto Loan Rate Database

47 Local Lenders Tracked Banks & Credit Unions Updated Daily

Our Frisco, Texas auto loan tables currently track 47 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.

The lowest verified auto loan APR in our Frisco, Texas database right now is 1.99% APR from BELTON. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.

How to Get the Best Auto Loan Rate in Frisco, Texas

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Frisco, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Frisco, Texas Financial Snapshot

Local demographics and economic context for car buyers — Source: U.S. Census Bureau

$76,596
Median Individual Earnings
National avg: $47,340
4.5%
Unemployment Rate
National avg: 4.8%
3.6%
Poverty Rate
National avg: 11.1%
$579/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.93% APR

A $579 monthly car payment works out to roughly 9.1% of the median individual income in Frisco, Texas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Frisco, Texas — but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies — can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1–3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Frisco, Texas. We’ve prefilled the APR with today’s TX new-auto average — or click any current rate on the right to apply it instantly.

$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Frisco, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Frisco, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Frisco, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.

Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.

Frequently Asked Questions about Auto Loans in Frisco, 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 Frisco, 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 Frisco, 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.

Should I get preapproved for an auto loan before visiting a dealer in Frisco, Texas?

Yes. A preapproval from a bank or credit union serving Frisco, Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Frisco, Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

What are the best Auto Loan rates in Frisco, Texas?

Based on our current data, some of the lowest auto loan rates available in Frisco, Texas include:
  • Manville Area Federal Credit Union: 4.00% (New Cars and Trucks Loan)
  • Healthcare Financial Federal Credit Union: 4.75% (New Autos: 2025 - 2026, Demos < 10,000 Miles)
  • Texans Credit Union: 4.79% (New Vehicles Loan)
  • El Monte Community Credit Union: 4.99% (New Auto)
  • SECNY Federal Credit Union: 5.00% (Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Frisco, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026

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