Harrold, Texas Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
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Current auto loan rates in Harrold, Texas include BELTONBELTONA-5.0 ★Texas Ratio: 1.55% offering New Vehicle Loan at 1.99%, Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.00% offering New Vehicles Loan at 2.00%, Southern Federal Credit UnionSouthern Federal Credit UnionA+5.0 ★Texas Ratio: 3.11% offering Auto Loans at 2.50%, HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% offering Auto Loans at 2.95%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Harrold borrowers have access to 86 lenders serving the Texas area, with auto loan rates as low as 1.99% APR from BELTON. 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 Harrold, Texas. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Harrold, Texas & Surrounding Area
Harrold Auto Loan Rates
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
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.
2026, 2025, 2024
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
A+ (800+)
As Low As
As Low As
A+ (800+)
Rates below are based on a minimum credit score of 700.
A+ Credit*
Fixed
As Low As; Other terms available.
As low as
Rates as low as*
Rates as low as*
A Credit*
A+ Credit*
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
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.
Fewer than 7,500 miles
Fewer than 100,000 miles
Minimum Invoice Amount: $30,000; Rates are as low as shown.
All model years; Vehicles with less than 20k miles
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.
B Credit*
A Credit*
A+ Credit*
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; *
Model Year: 2024
Model Year: 2025
A (720-799)
A+ (800+)
As Low As
As Low As
A (720-799)
A+ (800+)
As low as
Fixed Rate
As Low As; New or used vehicle up to 36 months.
Maximum Loan Discount: 0.75%
As Low As; up to 18.00%**; Fixed
As Low As; up to 18.00%**; Fixed
Depending on Age
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
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.
As Low As; Rates as low as 3.99% - 13.00%
As low as
As Low As; *
on new loans, not eligible for in-house refinance
As Low As
As Low As
As low as*
Rates below are based on a minimum credit score of 700.
Tier 1 750-up
Minimum Invoice Amount: $30,000; Rates are as low as shown.
All model years; Vehicles with less than 20k miles
As Low As
Fixed Rate
As low as; Maximum Loan: 100%
As low as; Maximum Loan: NADA RETAIL VALUE
As low as
Model Year: 2011 to 2015
C Credit*
B Credit*
A Credit*
A+ Credit*
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
Fixed Rate
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; *
2026 & Newer
As low as
Model Year: 2016 to 2019
Tier 2 700-749
APR as low as
Vehicle Year: 2025 & Newer
Model Year: 2023
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Maximum Loan Discount: 0.75%
Maximum Available Term: Up to 84 months
As low as*
Model Year: 2020 to 2024
Tier 1 750-up
Minimum Invoice Amount: $30,000; Rates are as low as shown.
2020 & newer; Vehicles with less than 20k miles
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
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.
As Low As
As Low As; Rates as low as 4.25% - 13.49%
As Low As; Rates as low as 4.25% - 13.75%
Fixed Rate
Tier A+; *
As low as
As Low As
Vehicle Age: Up to 2026
As low as
As Low As; *
As Low As
Model Year: 2022
Model Year: 2025 to 2027
As Low As
Fixed Rate
As low as; Rate includes 0.25% discount for automatic payment.
As low as; Rate includes 0.25% discount for automatic payment.
Model Year: 2011 to 2015
Model Year: 2021
Rates as low as
As Low As
APR as low as
Vehicle Year: 2025 & Newer
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. LOAN SPECIAL: AUTOMOBILE 2024 OR NEWER A PLUS ONLY - 4.45% *CERTAIN TERMS MAY APPLY*
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
Model Year: 2025 to 2027
Loan amount $35,000+; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
As Low As; *
Maximum Loan Discount: 0.75%
Summer Drive Auto Loan Promotion. Valid through 8/31/26. Fixed rate tiered by credit grade. New vehicle.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Rates as low as 4.49% - 14.00%
Up to 125% of MSRP with approved credit.
As Low As; *
As Low As; * APR
As low as
As low as
As Low As
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As low as*
As low as
Harrold New Auto Auto Loan Rates
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
As Low As; With Approved Credit
As Low As; With Approved Credit
A+ (800+)
As Low As
Rates below are based on a minimum credit score of 700.
Fixed
As low as
Rates as low as*
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
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.
Fewer than 7,500 miles
Minimum Invoice Amount: $30,000; Rates are as low as shown.
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.
As Low As; *
A (720-799)
A+ (800+)
As Low As
As low as
As Low As; New or used vehicle up to 36 months.
As Low As; up to 18.00%**; Fixed
Depending on Age
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Rates as low as 3.99% - 13.00%
As low as
As Low As
As low as*
Rates below are based on a minimum credit score of 700.
Tier 1 750-up
Minimum Invoice Amount: $30,000; Rates are as low as shown.
As Low As
Fixed Rate
As low as; Maximum Loan: 100%
As low as
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As
Fixed Rate
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; *
As low as
Tier 2 700-749
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
As low as*
Tier 1 750-up
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As
As Low As; Fixed Rate
As Low As; Qualifying rate - Conditions apply; Up to $250,000
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.
As Low As
As Low As; Rates as low as 4.25% - 13.49%
Fixed Rate
As low as
Vehicle Age: Up to 2026
As low as
As Low As; *
As Low As
Fixed Rate
As low as; Rate includes 0.25% discount for automatic payment.
Rates as low as
As Low As
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. LOAN SPECIAL: AUTOMOBILE 2024 OR NEWER A PLUS ONLY - 4.45% *CERTAIN TERMS MAY APPLY*
Loan amount $35,000+; Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Summer Drive Auto Loan Promotion. Valid through 8/31/26. Fixed rate tiered by credit grade. New vehicle.
As Low As; Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, loan amount, loan-to-value, age of collateral, as applicable) and may be higher than the lowest rates advertised. Lowest rates advertised are based on an established member's loan with a term of 36 months or less, LTV (loan to value) of 90% or less and assumes a UCU Automatic Payment method (Includes an Automatic Payment discount of 0.25% from a UCU Account only.) and includes a 0.25% Repeat Borrower discount. Rates are higher for LTV over 90% and/or terms greater than 36 months.
As Low As; Rates as low as 4.49% - 14.00%
Up to 125% of MSRP with approved credit.
As Low As; *
As low as
Rate assumes loan to value of 100% or less. Not all borrowers will qualify for the lowest interest rate.
As low as*
Harrold Used Auto Auto Loan Rates
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As; With Approved Credit
As Low As
A+ (800+)
Fixed
As low as
Rates as low as*
As Low As
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.
Fewer than 100,000 miles
All model years; Vehicles with less than 20k miles
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.
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
As Low As; *
Model Year: 2024
Model Year: 2025
As Low As
A (720-799)
A+ (800+)
As Low As; New or used vehicle up to 36 months.
As Low As; up to 18.00%**; Fixed
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As
Tier 1 750-up
All model years; Vehicles with less than 20k miles
As Low As
As low as; Maximum Loan: NADA RETAIL VALUE
As Low As
As Low As; *
Tier 2 700-749
Model Year: 2023
Tier 1 750-up
2020 & newer; Vehicles with less than 20k miles
As Low As
As Low As; Fixed Rate
As Low As; Up to 5 Years old / 2021+; Up to $250,000
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.
As Low As
As Low As; Rates as low as 4.25% - 13.75%
As Low As
Vehicle Age: Up to 2026
As low as
As Low As; *
Model Year: 2022
As Low As
As low as; Rate includes 0.25% discount for automatic payment.
Model Year: 2021
As Low As
As Low As; Based On Credit Score And Loan Term. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants.
As Low As; * APR
As low as
As low as
Harrold, TX Auto Loan Rate Trends
Compare local Harrold, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas new auto rates rose 0.143 points over the past 7 days to 5.934% APR.
Texas used auto rates rose 0.167 points over the past 7 days to 5.981% APR.
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 Harrold, Texas Auto Loan Rate Database
Our Harrold, Texas auto loan tables currently track 86 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 Harrold, 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 Harrold, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Harrold, 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 Harrold, 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 → Harrold, Texas CD rates lock in a guaranteed return until you’re ready to buy
Texas Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau (state-level data shown — city data not available)
A $579 monthly car payment works out to roughly 15.8% of the median individual income in 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 Harrold, 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 Harrold, 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 Harrold, 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 Harrold, 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 Harrold, 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 Harrold, 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 Harrold, 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?
What are the best Auto Loan rates in Harrold, Texas?
- BELTON: 1.99% (New Vehicle Loan)
- Mclennan County Employees Federal Credit Union: 2.00% (New Vehicles Loan)
- Southern Federal Credit Union: 2.50% (Auto Loans)
- HIGHWAY DISTRICT 21: 2.50% (Vehicle Loan)
- IBEW Local 66 Federal Credit Union: 2.95% (Auto Loans)
Harrold, Texas Rates & Resources
