Houston, Texas Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Houston, Texas auto loan rates range from 3.22% to 5.84% APR, verified by MonitorBankRates as of October 14, 2026. Current auto loan rates in Houston, Texas include Coastal Community Federal Credit UnionCoastal Community Federal Credit Union7002 Fauna St, Houston, TX, 77061 3918A5.0 ★Texas Ratio: 13.25% offering Vehicle Loans at 3.22%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 7.07% offering New Autos at 3.49%, Port of Houston Warehouse Federal Credit UnionPort of Houston Warehouse Federal Credit Union1717 East Loop N Ste 160, Houston, TX, 77029 4018A+5.0 ★Texas Ratio: 0.91% offering New/Used Auto at 3.61%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.25% offering New & Used - Automobiles at 3.86%, Navy Federal Credit UnionNavy Federal Credit Union680 Meyerland Plaza Mall, Houston, TX, 77096A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%. Auto loan rates as of October 14, 2026 according to verified data from MonitorBankRates.
Houston has 41 local institutions in our database, with auto loan rates as low as 3.22% APR from Coastal Community Federal Credit Union at 7002 Fauna St, Houston, TX, 77061 3918. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Houston, Texas. Auto Loan Rates Last Updated and Verified: October 14, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Houston Auto Loan Rates
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.22%▼ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%first recorded
As Low As; Rates shown include standard rate discounts.
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As Low As; Year Models - 2022 & Newer; $10,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Year Models - 2023 & Newer; $20,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; Year Models - 2025 & Newer; $35,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Rate range: 3.99% - 13.00%
As Low As; Financing: 80% MSRP or NADA Retail (20% down); APR
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
APR range 3.99% - 16.99%; Effective Date: 10/13/2026
As Low As; Auto Loan Rates
Published APR range: 3.99% - 11.24%. As Low As; Loan Type: New and Used; Fixed APR; Lone Star Rewards Discounts included
As Low As
As Low As; Model Year: 2019-2025
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%first recorded
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $29.63; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Rate range: 4.25% - 13.49%
As Low As; Rate range: 4.25% - 13.75%
As Low As
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
Credit Grade: C Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Credit score tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; not for loans of $100,000 or more
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate range: 4.49% - 14.00%
APR range 4.49% - 16.99%; Effective Date: 10/13/2026
Published APR range: 4.49% - 11.74%. As Low As; Loan Type: New and Used; Fixed APR; Lone Star Rewards Discounts included
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Fixed Rate
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Current model year
As Low As
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Rate range: 4.50% - 14.00%
As Low As
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Published APR range: 4.69% - 11.94%. As Low As; Loan Type: New and Used; Fixed APR; Lone Star Rewards Discounts included
As Low As; Financing: 90% MSRP or NADA Retail (10% down); APR
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance. Rates effective as of April 30, 2024.
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $22.91; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $18.75; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rate range: 4.75% - 14.75%
As Low As; Rate range: 4.75% - 14.75%
As low as; requires $25,000.00 or more
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Maximum APR: 15.59%
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Fixed Rate
As Low As; Fixed Rate
Credit Grade: C Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%▼ from 6.76%
- Sep 14, 20266.76%first recorded
As Low As; Model Year: (2020 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
Published APR range: 4.99% - 17.49%. Used vehicle loan; APR range
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
New vehicle loan; APR range: 4.99% - 16.99%
As Low As; Rate range: 4.99% - 15.49%
As Low As; Rates shown include standard rate discounts.
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
APR range 4.99% - 16.99%; Effective Date: 10/13/2026
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Published APR range: 4.99% - 12.24%. As Low As; Loan Type: New and Used; Fixed APR; Lone Star Rewards Discounts included
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rate range: 5.00% - 15.25%
As low as; requires $30,000.00 or more
Term: Up to 72 Months ($25,000.00 or more); As Low As; Loan amount: $25,000.00 or more; Used Autos: 2015 or older - 1% more than Used Auto Rates
Lowest available APR
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
Maximum APR: 15.84%
Maximum APR: 15.84%
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Minimum Loan Amount: $20,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $20,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
Credit score tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; not for loans of $100,000 or more
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
As Low As; Model Year: 2021-2025
As Low As; Model Year: 2022-2025
As Low As; Model Year: 2020-2025
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $2,500+
As Low As; Vehicle Year: 2021-2024; A+ rate for automobiles
As Low As; Auto Loan; Minimum loan amount $4,000; maximum loan amount $150,000; APR includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; example loan $42,500 for 72 months
Credit score tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; not for loans of $100,000 or more
- Oct 14, 20265.24%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model Year: (2023 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
Maximum APR: 16.74%
As Low As; Vehicle Loan
- Oct 5, 20265.24%▲ from 4.94%
- Sep 21, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; New Auto, 12-60 Month Term
Published APR range: 5.24% - 17.74%. Used vehicle loan; APR range
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
New vehicle loan; APR range: 5.24% - 17.24%
$25,000; As Low As; Financing: 80% MSRP or NADA Retail (20% down); APR
As Low As; Financing: 100% MSRP or NADA Retail; APR
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $16.22; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Rate range: 5.25% - 15.75%
Term: Up to 84 Months ($30,000.00 or more); As Low As; Loan amount: $30,000.00 or more; Used Autos: 2015 or older - 1% more than Used Auto Rates
Lowest available APR
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit score tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; not for loans of $100,000 or more
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
As Low As; Vehicle Year: 2020; A+ rate for automobiles
Published APR range: 5.39% - 12.64%. As Low As; Loan Type: New and Used; Fixed APR; Lone Star Rewards Discounts included
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Description: Current Year Vehicles
As Low As; Description: 4 - 7 Yr. Old Vehicle; Finance up to 100% of NADA Retail Value
As Low As; Loan Amount: $2,500+
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
Published APR range: 5.49% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
New vehicle loan; APR range: 5.49% - 17.49%
APR range 5.49% - 16.99%; Effective Date: 10/13/2026
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness
Lowest available APR
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
As Low As; Minimum finance $15,000; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Effective August 15, 2024
As Low As; Model Year: 2024 and newer; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20265.54%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Loan Amount: $5,000+
As Low As; Vehicle Year: 2016-2019; A+ rate for automobiles
Credit score tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; not for loans of $100,000 or more
- Oct 14, 20265.64%▲ from 5.14%
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
As Low As; Description: Current Year Vehicles
As Low As; Auto Loan; Minimum loan amount $50,000; maximum loan amount $150,000; APR includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; example loan $50,000 for 84 months
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 18.00%
Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month
Published APR range: 5.74% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
$25,000; As Low As; Financing: 90% MSRP or NADA Retail (10% down); APR
As Low As; Rates shown include standard rate discounts.
- Sep 27, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness
As Low As
- Oct 10, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Terms Up To; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Model Year: (2023 or newer); Fixed APR; Not available for vehicles currently financed with Houston Police Credit Union
As Low As; Model Year: 2024 and newer; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum Loan Amount: $25,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $25,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Houston New Auto Auto Loan Rates
As Low As; Rates shown include standard rate discounts.
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As Low As; Year Models - 2022 & Newer; $10,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Year Models - 2023 & Newer; $20,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Year Models - 2025 & Newer; $35,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Rate range: 3.99% - 13.00%
As Low As; Financing: 80% MSRP or NADA Retail (20% down); APR
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
APR range 3.99% - 16.99%; Effective Date: 10/13/2026
As Low As
As Low As; Model Year: 2019-2025
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%first recorded
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $29.63; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available
As Low As; Fixed Rate
As Low As; Rate range: 4.25% - 13.49%
As Low As
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Rate range: 4.49% - 14.00%
APR range 4.49% - 16.99%; Effective Date: 10/13/2026
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Current model year
As Low As
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; New vehicles
As Low As; New Vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Financing: 90% MSRP or NADA Retail (10% down); APR
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance. Rates effective as of April 30, 2024.
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $22.91; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $18.75; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rate range: 4.75% - 14.75%
As low as; requires $25,000.00 or more
Maximum APR: 15.59%
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Fixed Rate
Auto Loan Rates
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
New vehicle loan; APR range: 4.99% - 16.99%
As Low As; Rate range: 4.99% - 15.49%
As Low As; Rates shown include standard rate discounts.
APR range 4.99% - 16.99%; Effective Date: 10/13/2026
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As low as; requires $30,000.00 or more
Maximum APR: 15.84%
Maximum APR: 15.84%
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Minimum Loan Amount: $20,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Model Year: 2021-2025
As Low As; Model Year: 2022-2025
As Low As; Model Year: 2020-2025
As Low As; Loan Amount: $2,500+; Up to 125% financing for qualified applicants
As Low As; Auto Loan; Minimum loan amount $4,000; maximum loan amount $150,000; APR includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; example loan $42,500 for 72 months
Maximum APR: 16.74%
As Low As; New Auto, 12-60 Month Term
New vehicle loan; APR range: 5.24% - 17.24%
$25,000; As Low As; Financing: 80% MSRP or NADA Retail (20% down); APR
As Low As; Financing: 100% MSRP or NADA Retail; APR
As Low As; Model Year: 2026; Monthly Payment As Per $1,000: $16.22; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Loan Amount: $5,000+; Up to 125% financing for qualified applicants
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Description: Current Year Vehicles
Auto Loan Rates
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
New vehicle loan; APR range: 5.49% - 17.49%
APR range 5.49% - 16.99%; Effective Date: 10/13/2026
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Effective August 15, 2024
As Low As; Model Year: 2024 and newer; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20265.54%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Loan Amount: $15,000+; Up to 125% financing for qualified applicants
As Low As; Description: Current Year Vehicles
As Low As; Auto Loan; Minimum loan amount $50,000; maximum loan amount $150,000; APR includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; example loan $50,000 for 84 months
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 18.00%
Model Year: 2022-New; As Low As; Auto loan payment example: $20,000 at 5.74% for 60 months=$384.24 per month
$25,000; As Low As; Financing: 90% MSRP or NADA Retail (10% down); APR
As Low As; Rates shown include standard rate discounts.
- Sep 27, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As Low As; Minimum Amount: $2,000; New autos less than 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment
As Low As; Fixed Rate
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Business Vehicle Loan Rates; New vehicles: new and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles
As Low As; Model Year: 2024 and newer; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum Loan Amount: $25,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
Houston Used Auto Auto Loan Rates
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As Low As; Year Models - 2022 & Newer; $10,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Year Models - 2023 & Newer; $20,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Year Models - 2025 & Newer; $35,000 Minimum; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L
As Low As; Financing: 80% MSRP or NADA Retail (20% down); APR
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
As Low As; Model Year: 2019-2025
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%first recorded
As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available
As Low As; Fixed Rate
As Low As; Rate range: 4.25% - 13.75%
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: No minimum; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Rate range: 4.50% - 14.00%
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Loan Amount: $2,500+
As Low As; Financing: 90% MSRP or NADA Retail (10% down); APR
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance. Rates effective as of April 30, 2024.
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Minimum Loan Amount: $15,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
As Low As; Rate range: 4.75% - 14.75%
As Low As; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Maximum APR: 15.59%
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Fixed Rate
Published APR range: 4.99% - 17.49%. Used vehicle loan; APR range
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rate range: 5.00% - 15.25%
Term: Up to 72 Months ($25,000.00 or more); As Low As; Loan amount: $25,000.00 or more; Used Autos: 2015 or older - 1% more than Used Auto Rates
Maximum APR: 15.84%
Maximum APR: 15.84%
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Minimum Loan Amount: $20,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
As Low As; Model Year: 2021-2025
As Low As; Model Year: 2022-2025
As Low As; Model Year: 2020-2025
As Low As; Business Vehicle Loan Rates; Used vehicles: 2024 and older model years or any model year with over 30,000 miles
As Low As; Loan Amount: $2,500+
Maximum APR: 16.74%
Published APR range: 5.24% - 17.74%. Used vehicle loan; APR range
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As; Financing: 100% MSRP or NADA Retail; APR
As Low As; Rate range: 5.25% - 15.75%
Term: Up to 84 Months ($30,000.00 or more); As Low As; Loan amount: $30,000.00 or more; Used Autos: 2015 or older - 1% more than Used Auto Rates
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
As Low As; Rates refer to consumer loans and do not apply to commercial loans
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
- Oct 5, 20265.34%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates as of Oct 13, 2026 ET; Assumes excellent credit; Used vehicles
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Oct 13, 2026 ET
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Description: 4 - 7 Yr. Old Vehicle; Finance up to 100% of NADA Retail Value
As Low As; Loan Amount: $2,500+
Published APR range: 5.49% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness
As Low As; Minimum finance $15,000; Rates based on credit evaluation; based on down payment of 10% or more, add 0.25% for down payments less than 10%
As Low As; Rates effective October 1, 2026; rates quoted are APR; with approved credit
- Oct 14, 20265.54%▲ from 5.44%
- Sep 14, 20265.44%first recorded
As Low As; Loan Amount: $5,000+
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 18.00%
Published APR range: 5.74% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Rates shown include standard rate discounts; HERO Savings Program may qualify for additional loan rate discounts
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Used Auto Loan Purchase (Model Year 2020 and newer); Minimum loan amount: $2,000; Discounts up to .50% available with vehicle insurance or direct deposit with automatic payment; May increase based on credit worthiness
As Low As; Fixed Rate
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum Loan Amount: $25,000; Rates not available in VA, NC, UT, NV, TX; rate shown with all applicable discounts
Minimum loan for 75 month term is $15,000; term and rates on secured loans depend on age of security and mileage
- Oct 5, 20265.84%▲ from 5.49%
- Sep 14, 20265.49%first recorded
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.
Texas new auto rates fell 0.032 points over the past 7 days to 5.209% APR.
Texas used auto rates fell 0.071 points over the past 7 days to 5.723% APR.
Houston, TX Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.21% APR TX average | Used Auto @ 5.72% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.51/mo | $288.06/mo | $3.55/mo |
| $25,000 | $474.18/mo | $480.10/mo | $5.92/mo |
| $35,000 | $663.85/mo | $672.14/mo | $8.29/mo |
| $45,000 | $853.53/mo | $864.19/mo | $10.66/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Houston, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Houston, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Houston, Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Houston, Texas CD rates lock in a guaranteed return until you’re ready to buy
Houston, Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 17.2% of the median individual income in Houston, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Houston, Texas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Houston, Texas. We’ve prefilled the APR with today’s TX new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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.
Bad Credit Auto Loans in Houston, Texas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Houston, Texas
How does my credit score affect my car loan rate in Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Houston, Texas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Houston, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Houston, Texas?
- Coastal Community Federal Credit Union: 3.22% (Vehicle Loans)
- Members Choice Credit Union: 3.49% (New Autos)
- Port of Houston Warehouse Federal Credit Union: 3.61% (New/Used Auto)
- MemberSource Credit Union: 3.86% (New & Used - Automobiles)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
Houston, Texas Rates & Resources
