Auto Loan Rates in Houston, Texas (TX) for June 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
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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 InvesTex Credit UnionInvesTex Credit Union905 Aldine Bender Rd, Houston, TX, 77032A+5.0 ★Texas Ratio: 3.50% offering New and Used Auto Loan at 3.49%, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 1.38% offering Auto Loans at 3.74%, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044A+5.0 ★Texas Ratio: 3.70% offering Auto Loan at 3.99%, Energy Capital Credit UnionEnergy Capital Credit Union18540 Northwest Fwy, Houston, TX, 77065A5.0 ★Texas Ratio: 7.19% offering New Autos at 4.00%, PrimeWay Federal Credit UnionPrimeWay Federal Credit Union100 Dominion Park Dr, Houston, TX, 77090 6716A5.0 ★Texas Ratio: 7.35% offering Auto Loans (New & Used) - Up to 36 Months at 4.05%. Auto loan rates as of June 21, 2026 according to verified data from MonitorBankRates.
Houston has 20 local institutions in our database, with auto loan rates as low as 3.49% APR from InvesTex Credit Union at 905 Aldine Bender Rd, Houston, TX, 77032. 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: June 21, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Houston Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
Auto Loans
3.74%
36-month
▼
APR3.74%
Term36-month
Last UpdatedJun 16, 2026
Details
Rate shown is for 36-month term new auto and includes a 0.25% loyalty discount for recurring monthly direct deposit and auto pay. As low as 3.99% APR*
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Good: 6.24%, Average: 7.49%, Fair: 9.39%, Marginal: 14.65%, Low / No score: 17.25%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 16, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedJun 16, 2026
Details
as low as
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details
Annual Percentage Rates shown are "as low as".
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.99% - 15.49%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 5.00% - 15.25%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 48 Months
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 60 Months
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2021-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 72 Months
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2022-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2020-2025
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
750 Bering Dr, Houston, TX, 77057
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
750 Bering Dr Ste 100, Houston, TX, 77057
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 5.25% - 15.75%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84 Months
▼
APR5.29%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 18.00%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $5,000+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $15,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $2,500+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $15,000+
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
Good: 6.64%, Average: 7.89%, Fair: 9.64%, Marginal: 15.10%, Low / No score: 17.70%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $20,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $15,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedJun 16, 2026
Details
Good: 6.89%, Average: 8.14% or 7.89%*, Fair: 9.89% or 9.64%*, Marginal: 15.35%, Low / No score: 17.90%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 36 Months
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $20,000
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $15,000+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 48 Months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.25%
12 to 48 Months
▼
APR6.25%
Term12 to 48 Months
Last UpdatedJun 16, 2026
Details
Excellent credit tier
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 66 Months
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
37 - 48 Months
▼
APR6.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 75 Months
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $15,000
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.75%
49 to 66 Months
▼
APR6.75%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
Excellent credit tier
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.84%
Up to 36 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $20,000+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
49 - 60 Months
▼
APR6.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.00%
12 to 48 Months
▼
APR7.00%
Term12 to 48 Months
Last UpdatedJun 16, 2026
Details
Good credit tier
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $20,000+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.50%
49 to 66 Months
▼
APR7.50%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
Good credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.74%
72 months
▼
APR7.74%
Term72 months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
61 - 72 Months
▼
APR7.75%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $40,000+
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.94%
84 months
▼
APR7.94%
Term84 months
Last UpdatedJun 16, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.00%
12 to 48 Months
▼
APR8.00%
Term12 to 48 Months
Last UpdatedJun 16, 2026
Details
Average credit tier
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedJun 16, 2026
Details
Loan Amount: $40,000+
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.25%
12 to 36 Months
▼
APR8.25%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details
Excellent credit tier
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
73 - 84 Months
▼
APR8.25%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto - Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.50%
49 to 66 Months
▼
APR8.50%
Term49 to 66 Months
Last UpdatedJun 16, 2026
Details
Average credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.75%
37 to 60 Months
▼
APR8.75%
Term37 to 60 Months
Last UpdatedJun 16, 2026
Details
Excellent credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto - Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.00%
12 to 36 Months
▼
APR9.00%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details
Good credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.50%
37 to 60 Months
▼
APR9.50%
Term37 to 60 Months
Last UpdatedJun 16, 2026
Details
Good credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.00%
12 to 36 Months
▼
APR10.00%
Term12 to 36 Months
Last UpdatedJun 16, 2026
Details
Average credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedJun 16, 2026
Details
Average credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
18.00%
84m
▼
APR18.00%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 500 - 549 - E; Max LTV: 95%
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedJun 11, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJun 21, 2026
Details
Rates are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJun 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate.
▼
APR3.99%
Term60 Months Fixed Rate.
Last UpdatedJun 16, 2026
Details
Annual Percentage Rate (APR)
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJun 21, 2026
Details
Rates are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
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 UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Houston New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2023 or newer
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.49%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.49% - 14.00%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJun 16, 2026
Details
Annual Percentage Rates shown are "as low as".
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.99% - 15.49%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 48 Months
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 60 Months
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2021-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 72 Months
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2022-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2020-2025
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $2,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84 Months
▼
APR5.29%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 18.00%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $15,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
As Low As; Rate applies to loans of $20,000 or more.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $15,000
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $20,000
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
37 - 48 Months
▼
APR6.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Apply Now »
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
49 - 60 Months
▼
APR6.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
61 - 72 Months
▼
APR7.75%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
73 - 84 Months
▼
APR8.25%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
18.00%
84m
▼
APR18.00%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 500 - 549 - E; Max LTV: 95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJun 21, 2026
Details
Rates are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 months
▼
APR3.50%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 months
▼
APR3.75%
Term48 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJun 21, 2026
Details
Rates are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJun 16, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 months
▼
APR4.00%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As; Minimum Invoice Amount: $30,000
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 UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
Powered by
MonitorBankRates
Houston Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.69%
Up to 48 Months
▼
APR3.69%
TermUp to 48 Months
Last UpdatedJun 11, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedJun 11, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84 months
▼
APR4.00%
Term48 - 84 months
Last UpdatedJun 16, 2026
Details
Model year 2022 or older
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 36 Months
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2019-2025
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.25% - 13.75%
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.29%
Up to 72 Months
▼
APR4.29%
TermUp to 72 Months
Last UpdatedJun 11, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJun 16, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36 Months
▼
APR4.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.14%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedJun 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.50% - 14.00%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60 Months
▼
APR4.54%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.04%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48 Months
▼
APR4.64%
Term37 - 48 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 15.39%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJun 16, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 4.75% - 14.75%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75 Months
▼
APR4.79%
Term61 - 75 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 16.29%
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedJun 11, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 5.00% - 15.25%
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 48 Months
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 60 Months
5.15%
60 Months
▼
APR5.15%
Term60 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2021-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 72 Months
5.15%
72 Months
▼
APR5.15%
Term72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2022-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2020-2025
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedJun 16, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Rates as low as 5.25% - 15.75%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84 Months
▼
APR5.29%
Term76 - 84 Months
Last UpdatedJun 16, 2026
Details
Maximum APR: 18.00%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJun 16, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $15,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJun 16, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedJun 11, 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 June 10, 2026. Rates are subject to change without notice.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 36 Months
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $20,000
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 48 Months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedJun 16, 2026
Details
As Low As; Fixed Rate
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 66 Months
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $2,000
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJun 16, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 75 Months
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedJun 11, 2026
Details
As Low As; Minimum Amount $15,000
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJun 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 640 - 679 - B; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto - Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto - Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedJun 16, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 600 - 639 - C; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 550 - 599 - D; Max LTV: 95%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto/Used Auto
18.00%
84m
▼
APR18.00%
Term84m
Last UpdatedJun 16, 2026
Details
Credit Score: 500 - 549 - E; Max LTV: 95%
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJun 16, 2026
Details
APR*
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJun 16, 2026
Details
As Low As; *
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
Up to 36 months
▼
APR3.50%
TermUp to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedJun 16, 2026
Details
Fixed
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 48 months
▼
APR3.75%
TermUp to 48 months
Last UpdatedJun 16, 2026
Details
As Low As; Vehicles with less than 20k miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJun 16, 2026
Details
As low as
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJun 16, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJun 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJun 16, 2026
Details
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 UpdatedJun 16, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJun 11, 2026
Details
As Low As
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJun 16, 2026
Details
As Low As; New or used vehicle
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedJun 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedJun 16, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 60 months
▼
APR4.00%
TermUp to 60 months
Last UpdatedJun 16, 2026
Details
As Low As; 2020 & newer; Vehicles with less than 20k miles
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 UpdatedJun 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJun 16, 2026
Details
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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
5.809%
▲ 0.105 vs 7 days ago
Texas new auto rates rose 0.105 points over the past 7 days to 5.809% APR.
Used Auto Loan — TX Avg
5.454%
▲ 0.004 vs 7 days ago
Texas used auto rates rose 0.004 points over the past 7 days to 5.454% APR.
As of Jun 21, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Houston, 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 Houston, 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 Houston, 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 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:
- InvesTex Credit Union: 3.49% (New and Used Auto Loan)
- US Employees Credit Union: 3.74% (Auto Loans)
- Gulf Coast Educators Federal Credit Union: 3.99% (Auto Loan)
- Energy Capital Credit Union: 4.00% (New Autos)
- PrimeWay Federal Credit Union: 4.05% (Auto Loans (New & Used) - Up to 36 Months)
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: June 21, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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