Auto Loan Rates in Houston, Texas (TX) for May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Houston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Houston, Texas include Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 8.54% offering New and Pre-Owned Autos at 3.24%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.62% offering New & Used - Automobiles Year Models - 2020 & Newer at 3.73%, Transtar Federal Credit UnionTranstar Federal Credit Union12930 Northwest Fwy, Houston, TX, 77040 6304A5.0 ★Texas Ratio: 7.74% offering New & Used - Automobiles Year Models - 2020 & Newer at 3.73%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A5.0 ★Texas Ratio: 8.99% offering Auto Loans - Used & New at 3.94%, Houston Highway Credit UnionHouston Highway Credit Union8120 Washington Ave, Houston, TX, 77007A+5.0 ★Texas Ratio: 1.00% offering New Vehicle Loan at 3.99%. Auto loan rates as of May 6, 2026 according to verified data from MonitorBankRates.
Houston has 21 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 18211 Katy Fwy, Houston, TX, 77094 1395. 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 Houston, Texas. Auto Loan Rates Last Updated and Verified: May 6, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX, 77075
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 2, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Model Years: 2019-2025
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 36mm
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedApr 27, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedApr 17, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedApr 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 48m
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedApr 27, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedApr 26, 2026
Details
As Low As; Finance Your Vehicle Loan with Us and We'll Give You $250!
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedApr 17, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Auto Loans
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedApr 27, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
4.99%
1 to 48
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Model Years: 2020-2025
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 60m
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedApr 27, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 17, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX, 77059
Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; 36 months
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66
▼
APR5.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 72m
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedApr 27, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2020-2021
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedApr 17, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus
▼
APR5.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As; Model Years: 2023-2025
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedApr 17, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
Auto Loan 84m
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedApr 27, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2020-2021
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.24%
1 to 48
▼
APR6.24%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.25%
12 to 48
▼
APR6.25%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2016-2019
6.49%
48 months
▼
APR6.49%
Term48 months
Last UpdatedApr 17, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.64%
49 to 66
▼
APR6.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2020-2021
6.74%
84 months
▼
APR6.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.75%
49 to 66
▼
APR6.75%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.89%
67 Plus
▼
APR6.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2016-2019
6.99%
60 months
▼
APR6.99%
Term60 months
Last UpdatedApr 17, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.00%
12 to 48
▼
APR7.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedApr 17, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
7.49%
1 to 48
▼
APR7.49%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.50%
49 to 66
▼
APR7.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedApr 17, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
7.89%
49 to 66
▼
APR7.89%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.00%
12 to 48
▼
APR8.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedApr 17, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
8.14%
67 Plus
▼
APR8.14%
Term67 Plus
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.25%
12 to 36 Months
▼
APR8.25%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.50%
49 to 66
▼
APR8.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.75%
37 to 60 Months
▼
APR8.75%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2015-Older
8.99%
48 months
▼
APR8.99%
Term48 months
Last UpdatedApr 17, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.00%
12 to 36 Months
▼
APR9.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.39%
1 to 48
▼
APR9.39%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.50%
37 to 60 Months
▼
APR9.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.64%
49 to 66
▼
APR9.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.89%
67 Plus
▼
APR9.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.00%
12 to 36 Months
▼
APR10.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
14.65%
1 to 48
▼
APR14.65%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.10%
49 to 66
▼
APR15.10%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.35%
67 Plus
▼
APR15.35%
Term67 Plus
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.25%
1 to 48
▼
APR17.25%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.70%
49 to 66
▼
APR17.70%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.90%
67 Plus
▼
APR17.90%
Term67 Plus
Last UpdatedMay 4, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fixed-Rate up to 36 months
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedApr 18, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 2, 2026
Details
As Low As; APR - 2026 & Newer
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMay 4, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.49%
72 months
▼
APR5.49%
Term72 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.74%
84 months
▼
APR5.74%
Term84 months
Last UpdatedApr 17, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedApr 19, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 6, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 2, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedMay 2, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedMay 2, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
APR4.24%
Term60-month
Last UpdatedMay 2, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 7,500 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 2, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Transtar Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.74%
12930 Northwest Fwy, Houston, TX, 77040 6304
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 6, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMay 2, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedMay 2, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 2, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of May 02, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 2, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedMay 2, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedMay 2, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedApr 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedMay 2, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72** Months
▼
APR3.67%
Term36 to 72** Months
Last UpdatedApr 26, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 48 months
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 6, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 27, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedMay 6, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 27, 2026
Details
As Low As
APR4.25%
Term0-24
Last UpdatedMay 2, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedMay 6, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 2, 2026
Details
As Low As; Fewer than 100,000 miles
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedMay 6, 2026
Details
As Low As
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MonitorBankRates
Houston, TX Auto Loan Rate Trends
Compare local Houston, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.246%
▲ 0.034 vs 7 days ago
Texas new auto rates rose 0.034 points over the past 7 days to 5.246% APR.
Used Auto Loan — TX Avg
6.106%
▲ 0.429 vs 7 days ago
Texas used auto rates rose 0.429 points over the past 7 days to 6.106% APR.
As of May 7, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Houston, 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 Houston, 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 Houston, Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Houston, Texas?
Based on our current data, some of the lowest auto loan rates available in Houston, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- MemberSource Credit Union: 3.73% (New & Used - Automobiles Year Models - 2020 & Newer)
- Transtar Federal Credit Union: 3.73% (New & Used - Automobiles Year Models - 2020 & Newer)
- Texas Bay Credit Union: 3.94% (Auto Loans - Used & New)
- Houston Highway Credit Union: 3.99% (New Vehicle Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Houston, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 6, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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