Frisco, Texas Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Frisco, Texas auto loan rates range from 4.00% to 12.25% APR, verified by MonitorBankRates as of October 14, 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: 0.02% offering New Cars and Trucks Loan at 4.00%, CCSE Federal Credit UnionCCSE Federal Credit Union2601 Network Blvd, Frisco, TX, 75034A+5.0 ★Texas Ratio: 1.58% offering New Cars Loan at 4.25%, VAH Lyons Employees Federal Credit UnionVAH Lyons Employees Federal Credit Union6160 Warren Pkwy Ste 500, Frisco, TX, 75034A+5.0 ★Texas Ratio: 1.23% offering New Vehicle Loan - Tier at 4.50%, Healthcare Financial Federal Credit UnionHealthcare Financial Federal Credit Union2601 Network Blvd, Frisco, TX, 75034A+5.0 ★Texas Ratio: 1.82% offering New Autos: 2025 - 2026, Demos < 10,000 Miles at 4.75%, El Monte Community Credit UnionEl Monte Community Credit Union2601 NETWORK BLVD, FRISCO, TX, 75034A+5.0 ★Texas Ratio: 0.30% offering New Auto at 4.99%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Frisco has 11 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, so 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: October 14, 2026
Compare Auto Loan Rates Today in Frisco, Texas & Surrounding Area
Frisco Auto Loan Rates
Final rates are determined based on credit score and other factors.
Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Final rates are determined based on credit score and other factors.
Final rates are determined based on credit score and other factors
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Your rate may vary from the above rate and will be determined by your credit history.
Used vehicle loan; APR may vary based on credit history
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Published APR range: 4.75% - 12.75%. As Low As; Maximum Discount Rate: 4.00%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Published APR range: 4.80% - 12.80%. As Low As; Maximum Discount Rate: 4.05%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Your rate may vary from the above rate and will be determined by your credit history.
Used vehicle loan; APR may vary based on credit history
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Final rates are determined based on credit score and other factors.
Final rates are determined based on credit score and other factors
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Published APR range: 5.00% - 13.00%. As Low As; Maximum Discount Rate: 4.25%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $749.72 over a 36-month loan at 5.04% APR.
As low as*
- Sep 29, 20265.04%▲ from 4.79%
- Sep 18, 20264.79%first recorded
As low as*
- Sep 29, 20265.05%▲ from 4.79%
- Sep 18, 20264.79%first recorded
Lowest available APR
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
Your rate may vary from the above rate and will be determined by your credit history.
Used vehicle loan; APR may vary based on credit history
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Lowest available APR
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
Published APR range: 5.30% - 13.30%. As Low As; Maximum Discount Rate: 4.55%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
As low as*
- Sep 29, 20265.34%▲ from 5.09%
- Sep 18, 20265.09%first recorded
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
Your rate may vary from the above rate and will be determined by your credit history.
Lowest available APR
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
Final rates are determined based on credit score and other factors.
Final rates are determined based on credit score and other factors
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Score: 690 and above; LTV: 125% nada base retail value
Published APR range: 5.50% - 13.50%. As Low As; Maximum Discount Rate: 4.75%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
As low as*
- Sep 29, 20265.55%▲ from 5.29%
- Sep 18, 20265.29%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
As low as*
- Sep 29, 20265.60%▲ from 5.29%
- Sep 18, 20265.29%first recorded
As low as*
- Sep 29, 20265.68%▲ from 5.43%
- Sep 14, 20265.43%first recorded
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Score: 690 and above; LTV: 125% nada base retail value
As low as*
- Sep 29, 20265.76%▲ from 5.51%
- Sep 18, 20265.51%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As low as*
- Sep 29, 20265.84%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As low as*
- Sep 29, 20265.94%▲ from 5.69%
- Sep 18, 20265.69%first recorded
Score: 690 and above; LTV: 125% nada base retail value
As low as*
- Sep 29, 20265.95%▲ from 5.70%
- Sep 18, 20265.70%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
As Low As; Up to 100% Financing
As Low As; Up to 100% Financing
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Score: 689 to 640; LTV: 125% nada base retail value
Used vehicle loan; APR. Rate may vary based on credit history.
Financing amount: $45,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $45,000 financing; for online applicants with excellent credit
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Score: 689 to 640; LTV: 125% nada base retail value
As low as*
- Sep 29, 20266.25%▲ from 5.95%
- Sep 18, 20265.95%first recorded
As low as*
- Sep 29, 20266.25%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Lowest available APR
- Oct 1, 20266.25%▲ from 5.91%
- Sep 18, 20265.91%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $30,000 financing; for online applicants with excellent credit
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As low as*4
- Sep 29, 20266.34%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Rate(APR) Up to: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rate(APR) Up to: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rate(APR) Up to: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Final rates are determined based on credit score and other factors
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 690 and above; LTV: 125% nada base retail value
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
As Low As; Rate(APR) Up to: 18.000%
- Oct 12, 20266.75%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Up to 100% Financing
Score: 689 to 640; LTV: 125% nada base retail value
Lowest available APR
- Oct 1, 20266.85%▲ from 6.50%
- Sep 18, 20266.50%first recorded
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 690 and above; LTV: 125% nada base retail value
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 689 to 640; LTV: 125% nada base retail value
Score: 639 to 600; LTV: 120% nada base retail value
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
As low as*4
- Sep 29, 20267.44%▲ from 7.19%
- Sep 14, 20267.19%first recorded
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 690 and above; LTV: 125% nada base retail value
Vehicle loan; APR = Annual Percentage Rate; rate may vary based on credit history
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
Score: 639 to 600; LTV: 120% nada base retail value
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; Financing up to 80% Book Value; For 100% Financing add 0.25%; Use NADA Book Value average retail amount
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 689 to 640; LTV: 125% nada base retail value
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Financing 80% Book Value ONLY. For collector cars, requires appraisal.
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
Score: 689 to 640; LTV: 125% nada base retail value
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Score: 599 to 550; LTV: 100% nada base retail
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 599 to 550; LTV: 100% nada base retail
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 549 & below; LTV: 100% nada base retail
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 599 to 550; LTV: 100% nada base retail
Score: 599 to 550; LTV: 100% nada base retail
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 549 & below; LTV: 100% nada base retail
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 599 to 550; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 599 to 550; LTV: 100% nada base retail
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
As Low As; Financing 90% book value; Minimum $5,000; Maximum $20,000
Score: 549 & below; LTV: 100% nada base retail
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
Score: 549 & below; LTV: 100% nada base retail
As Low As; Financing 80% book value. For 90% financing add 0.25%. Minimum $5,000. Maximum $20,000.
Frisco New Auto Auto Loan Rates
Final rates are determined based on credit score and other factors.
Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Final rates are determined based on credit score and other factors.
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Your rate may vary from the above rate and will be determined by your credit history.
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Published APR range: 4.80% - 12.80%. As Low As; Maximum Discount Rate: 4.05%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Your rate may vary from the above rate and will be determined by your credit history.
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Final rates are determined based on credit score and other factors.
Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $749.72 over a 36-month loan at 5.04% APR.
As low as*
- Sep 29, 20265.04%▲ from 4.79%
- Sep 18, 20264.79%first recorded
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
Your rate may vary from the above rate and will be determined by your credit history.
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Published APR range: 5.30% - 13.30%. As Low As; Maximum Discount Rate: 4.55%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)
As low as*
- Sep 29, 20265.34%▲ from 5.09%
- Sep 18, 20265.09%first recorded
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
Your rate may vary from the above rate and will be determined by your credit history.
Final rates are determined based on credit score and other factors.
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Effective November 25, 2025
As low as*
- Sep 29, 20265.68%▲ from 5.43%
- Sep 14, 20265.43%first recorded
As low as*
- Sep 29, 20265.76%▲ from 5.51%
- Sep 18, 20265.51%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As low as*
- Sep 29, 20265.84%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As low as*
- Sep 29, 20265.94%▲ from 5.69%
- Sep 18, 20265.69%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Effective November 25, 2025
Tier: A+; Maximum Debt Ratio: 45%; Maximum LTV: 125%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Financing amount: $45,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $45,000 financing; for online applicants with excellent credit
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Score: 690 AND ABOVE; LTV: 125% nada base retail value; New vehicle
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
As low as*4
- Sep 29, 20266.34%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Tier: A; Maximum Debt Ratio: 45%; Maximum LTV: 120%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 120% Loan-to-Value incl. tax, license, MBI and GAP waiver
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Effective November 25, 2025
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Tier: B; Maximum Debt Ratio: 42%; Maximum LTV: 110%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
As Low As; Car, Van, Truck, SUV; Up to 100% Financing; Max. $100,000
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 689 to 640; LTV: 125% nada base retail value; New vehicle
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Effective November 25, 2025
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Tier: C; Maximum Debt Ratio: 40%; Maximum LTV: 100%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Score: 639 to 600; LTV: 120% nada base retail value; New vehicle
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 599 to 550; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Score: 549 & BELOW; LTV: 100% nada base retail; New vehicle
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 72-75 Months require a minimum financed amount of $20,000; Effective November 25, 2025
Tier: D; Maximum Debt Ratio: 38%; Maximum LTV: 90%; Terms of 76-84 Months require a minimum financed amount of $25,000; Effective November 25, 2025
Frisco Used Auto Auto Loan Rates
Final rates are determined based on credit score and other factors
Used vehicle loan; APR may vary based on credit history
Published APR range: 4.75% - 12.75%. As Low As; Maximum Discount Rate: 4.00%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Used vehicle loan; APR may vary based on credit history
Final rates are determined based on credit score and other factors
Published APR range: 5.00% - 13.00%. As Low As; Maximum Discount Rate: 4.25%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $749.72 over a 36-month loan at 5.04% APR.
As low as*
- Sep 29, 20265.05%▲ from 4.79%
- Sep 18, 20264.79%first recorded
Used vehicle loan; APR may vary based on credit history
Final rates are determined based on credit score and other factors
Score: 690 and above; LTV: 125% nada base retail value
Published APR range: 5.50% - 13.50%. As Low As; Maximum Discount Rate: 4.75%; Credit score based, equivalent to an A borrower with all maximum rate discounts applied (0.75%)
As low as*
- Sep 29, 20265.55%▲ from 5.29%
- Sep 18, 20265.29%first recorded
As low as*
- Sep 29, 20265.60%▲ from 5.29%
- Sep 18, 20265.29%first recorded
Score: 690 and above; LTV: 125% nada base retail value
Score: 690 and above; LTV: 125% nada base retail value
As low as*
- Sep 29, 20265.95%▲ from 5.70%
- Sep 18, 20265.70%first recorded
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Score: 689 to 640; LTV: 125% nada base retail value
Used vehicle loan; APR. Rate may vary based on credit history.
Score: 689 to 640; LTV: 125% nada base retail value
As low as*
- Sep 29, 20266.25%▲ from 5.95%
- Sep 18, 20265.95%first recorded
As low as*
- Sep 29, 20266.25%▲ from 6.00%
- Sep 18, 20266.00%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history; Rate varies by credit history, vehicle, financing amount and term
APR based on 60 months and $30,000 financing; for online applicants with excellent credit
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Final rates are determined based on credit score and other factors
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 690 and above; LTV: 125% nada base retail value
Score: 689 to 640; LTV: 125% nada base retail value
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 690 and above; LTV: 125% nada base retail value
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 689 to 640; LTV: 125% nada base retail value
Score: 639 to 600; LTV: 120% nada base retail value
As low as*4
- Sep 29, 20267.44%▲ from 7.19%
- Sep 14, 20267.19%first recorded
Standard rate based on Platinum FICO score 740+; rates reflect .50% discount with Direct Deposit (excluding Visa); financed up to 110% Loan-to-Value incl. tax, license, MBI and GAP waiver
Score: 690 and above; LTV: 125% nada base retail value
Vehicle loan; APR = Annual Percentage Rate; rate may vary based on credit history
Score: 639 to 600; LTV: 120% nada base retail value
As Low As; 100% Book Value. Use NADA book value average retail amount. Financing Max. $100,000
Score: 689 to 640; LTV: 125% nada base retail value
Score: 639 to 600; LTV: 120% nada base retail value
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
Score: 639 to 600; LTV: 120% nada base retail value
Score: 689 to 640; LTV: 125% nada base retail value
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
Score: 639 to 600; LTV: 120% nada base retail value
Score: 599 to 550; LTV: 100% nada base retail
As Low As; Car, Van, Truck, SUV; Financing 80% Book Value ONLY; Financing Max. $100,000; Business loan
Score: 599 to 550; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
Score: 599 to 550; LTV: 100% nada base retail
Score: 599 to 550; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
Score: 599 to 550; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
Score: 599 to 550; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
Score: 549 & below; LTV: 100% nada base retail
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.
Texas new auto rates fell 0.032 points over the past 7 days to 5.209% APR.
Texas used auto rates fell 0.071 points over the past 7 days to 5.723% APR.
Frisco, TX Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
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 @ 5.21% APR TX average | Used Auto @ 5.72% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.51/mo | $288.06/mo | $3.55/mo |
| $25,000 | $474.18/mo | $480.10/mo | $5.92/mo |
| $35,000 | $663.85/mo | $672.14/mo | $8.29/mo |
| $45,000 | $853.53/mo | $864.19/mo | $10.66/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.
How to Get the Best Auto Loan Rate in Frisco, Texas
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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Frisco, Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Frisco, Texas CD rates lock in a guaranteed return until you’re ready to buy
Frisco, Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 8.9% of the median individual income in Frisco, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 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 to 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 to 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.
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.
Bad Credit Auto Loans in Frisco, Texas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Frisco, Texas
How does my credit score affect my car loan rate in Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Frisco, Texas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Frisco, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Frisco, Texas?
- Manville Area Federal Credit Union: 4.00% (New Cars and Trucks Loan)
- CCSE Federal Credit Union: 4.25% (New Cars Loan)
- VAH Lyons Employees Federal Credit Union: 4.50% (New Vehicle Loan - Tier)
- Healthcare Financial Federal Credit Union: 4.75% (New Autos: 2025 - 2026, Demos < 10,000 Miles)
- El Monte Community Credit Union: 4.99% (New Auto)
Frisco, Texas Rates & Resources
