Houston, Texas Best Auto Loan Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current auto loan rates in Houston, Texas include Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 3.11% offering Auto Loans at 2.50%, Coastal Community Federal Credit UnionCoastal Community Federal Credit Union7002 Fauna St, Houston, TX, 77061 3918A5.0 ★Texas Ratio: 11.48% offering Vehicle Loans 0-36 Months at 3.01%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 7.88% offering Auto Loan at 3.24%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A5.0 ★Texas Ratio: 7.72% offering Used & New Auto Loans at 3.94%, 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%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Houston has 34 local institutions in our database, with auto loan rates as low as 2.50% APR from Southern Federal Credit Union at 1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023. 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: August 28, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Houston Auto Loan Rates
As low as 2.50% APR. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing.
A+ Credit*
As Low As; Other terms available.
As low as
Rates as low as*
Rates as low as*
A Credit*
A+ Credit*
B Credit*
A Credit*
A+ Credit*
As Low As; *
Maximum Loan Discount: 0.75%
For a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53. Discounted rate. $200 cash bonus. No payments for 90 days.
As Low As; Rates as low as 3.99% - 13.00%
As Low As
As low as
C Credit*
B Credit*
A Credit*
A+ Credit*
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; *
Vehicle Year: 2025 & Newer
Maximum Loan Discount: 0.75%
As Low As
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As; Rates as low as 4.25% - 13.49%
As Low As; Rates as low as 4.25% - 13.75%
As low as
As Low As
As Low As; *
As Low As
Vehicle Year: 2025 & Newer
Maximum Loan Discount: 0.75%
As Low As; Rates as low as 4.49% - 14.00%
As Low As; Fixed Rate
As Low As; Fixed Rate
Credit Score: 730+ - A+
As Low As; Current model year
As Low As
As Low As; Rates as low as 4.50% - 14.00%
As low as
As Low As
As Low As; Payment Example per $1,000 Borrowed: $43.81
Loan Amount: $2,500+
Maximum APR: 15.44%
Vehicle Year: 2025 & Newer
As Low As
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As
As Low As; Rates as low as 4.75% - 14.75%
As Low As; Rates as low as 4.75% - 14.75%
As low as
As Low As
C Credit*
B Credit*
A Credit*
A+ Credit*
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Maximum APR: 16.34%
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; Payment Example per $1,000 Borrowed: $29.98
Loan Amount: $2,500+
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
All rates shown are annual percentage rates and include the 0.25% rate discount applied when borrower adds protection bundle discount products. Minimum loan amount is $35,000+.
Credit Score: 730+ - A+
Maximum APR: 15.69%
As Low As; Fixed Rate
As Low As; Fixed Rate
Excellent credit tier
Qualifying Model Years: (2020 or newer)
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
Vehicle Year: 2025 & Newer
Annual Percentage Rates shown are "as low as."
As Low As; Rates as low as 4.99% - 15.49%
Rates as low as*
Rates as low as*
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Credit Score: 680 - 729* - A
As Low As; Rates as low as 5.00% - 15.25%
As low as
As Low As
Maximum APR: 16.59%
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; Payment Example per $1,000 Borrowed: $23.16
Loan Amount: $2,500+
Vehicle Year: 2021-2024
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Qualifying Model Years: (2023 or newer)
$25,000
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; Rates as low as 5.25% - 15.75%
As Low As
Credit Score: 730+ - A+
As Low As; Payment Example per $1,000 Borrowed: $19.09
Loan Amount: $5,000+
Vehicle Year: 2020
Credit Score: 680 - 729* - A
As Low As; *
Loan Amount: $2,500+
Qualifying Model Years: (2020 or newer)
Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%
Rates as low as*
Rates as low as*
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; 36 months
As Low As
As Low As; Apply Now »
As Low As; Payment Example per $1,000 Borrowed: $16.42
Loan Amount: $15,000+
Maximum APR: 18.00%
Vehicle Year: 2016-2019
Excellent credit tier
As low as
2016 - 2026
As low as
2018 - 2026
Credit Score: 730+ - A+
As low as
2022 - 2026
Qualifying Model Years: (2023 or newer)
$25,000
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; Fixed Rate
As Low As; Fixed Rate
As Low As
As Low As; Rates as low as 5.75% - 16.75%
As Low As; Apply Now »
As low as
2023 - 2026
Qualifying Model Years: (2023 or newer)
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; Apply Now »
Credit Score: 680 - 729* - A
Product: Classic Auto
Excellent credit tier
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
As Low As
$50,000
Qualifications Required: MUST BE 18 YEARS OF AGE OR OLDER. MUST BE EMPLOYED FOR 1 CONSECUTIVE YEAR AT TIME OF APPLICATION OR GRADUATED WITHIN 12 MONTHS FROM ANY UNIVERSITY/COLLEGE/TECHNICAL SCHOOL PROGRAM AND WORKING IN A FULL-TIME CAPACITY.; ADVERTISED RATE IS THE LOWEST ANNUAL PERCENTAGE RATE OFFERED FOR A 36-MONTH TERM ON NEW AUTOS. MINIMUM LOAN AMOUNT IS $5,000. MAXIMUM LOAN AMOUNT IS $40,000.
Model Year 2019 and older
As Low As; Model Year 2020 and newer
Apply Now »
Beacon Score: 680+
Beacon Score: 680+
Loan Amount: $15,000+
Credit Score: 730+ - A+
Credit Score: 680 - 729* - A
Good credit tier
$25,000
Rates as low as*
Rates as low as*
Model Year 2019 and older
Excellent credit tier
As Low As; Fixed Rate
As Low As; Fixed Rate
C Credit*
B Credit*
A Credit*
Qualifying Model Years: (2023 or newer)
Houston New Auto Auto Loan Rates
As low as
Rates as low as*
As Low As; *
As Low As; Rates as low as 3.99% - 13.00%
As low as
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; *
As Low As
As Low As; Fixed Rate
As Low As; Rates as low as 4.25% - 13.49%
As low as
As Low As; *
As Low As
As Low As; Rates as low as 4.49% - 14.00%
As Low As; Fixed Rate
Credit Score: 730+ - A+
As Low As; Current model year
As low as
Maximum APR: 15.44%
As Low As
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As
As Low As; Rates as low as 4.75% - 14.75%
As low as
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Maximum APR: 16.34%
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
All rates shown are annual percentage rates and include the 0.25% rate discount applied when borrower adds protection bundle discount products. Minimum loan amount is $35,000+.
Credit Score: 730+ - A+
Maximum APR: 15.69%
As Low As; Fixed Rate
Annual Percentage Rates shown are "as low as."
As Low As; Rates as low as 4.99% - 15.49%
Rates as low as*
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Credit Score: 680 - 729* - A
As low as
Maximum APR: 16.59%
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
$25,000
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
Credit Score: 730+ - A+
Credit Score: 680 - 729* - A
As Low As; *
Rates as low as*
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As
As Low As; Apply Now »
Maximum APR: 18.00%
As low as
As low as
Credit Score: 730+ - A+
As low as
$25,000
As Low As; Rates are effective as of 10/1/2023 and are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; Fixed Rate
As Low As
As low as
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; Apply Now »
Credit Score: 680 - 729* - A
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
As Low As
$50,000
As Low As; Model Year 2020 and newer
Apply Now »
Beacon Score: 680+
Credit Score: 730+ - A+
Credit Score: 680 - 729* - A
$25,000
Rates as low as*
As Low As; Fixed Rate
Houston Used Auto Auto Loan Rates
As low as
Rates as low as*
As Low As; *
As Low As; *
As Low As
As Low As; Fixed Rate
As Low As; Rates as low as 4.25% - 13.75%
As Low As
As Low As; *
As Low As
As Low As; Fixed Rate
Credit Score: 730+ - A+
As Low As
As Low As; Rates as low as 4.50% - 14.00%
As Low As
Maximum APR: 15.44%
As Low As
As Low As
As Low As; Rates as low as 4.75% - 14.75%
As Low As
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Maximum APR: 16.34%
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
All rates shown are annual percentage rates and include the 0.25% rate discount applied when borrower adds protection bundle discount products. Minimum loan amount is $35,000+.
Credit Score: 730+ - A+
Maximum APR: 15.69%
As Low As; Fixed Rate
Rates as low as*
As Low As; Model Year 2020 and newer
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Credit Score: 680 - 729* - A
As Low As; Rates as low as 5.00% - 15.25%
As Low As
Maximum APR: 16.59%
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
As Low As; Model Year 2020 and newer
As Low As; Rates as low as 5.25% - 15.75%
As Low As
Credit Score: 730+ - A+
Credit Score: 680 - 729* - A
As Low As; *
Rates as low as*
As Low As; Model Year 2020 and newer
Maximum APR: 18.00%
2016 - 2026
2018 - 2026
Credit Score: 730+ - A+
2022 - 2026
As Low As; Model Year 2020 and newer
As Low As; Fixed Rate
As Low As
As Low As; Rates as low as 5.75% - 16.75%
2023 - 2026
As Low As; 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 August 26, 2026. Rates are subject to change without notice.
Credit Score: 680 - 729* - A
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Model Year 2019 and older
As Low As; Model Year 2020 and newer
Beacon Score: 680+
Credit Score: 730+ - A+
Credit Score: 680 - 729* - A
Rates as low as*
Model Year 2019 and older
As Low As; Fixed Rate
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 rose 0.143 points over the past 7 days to 5.934% APR.
Texas used auto rates rose 0.167 points over the past 7 days to 5.981% APR.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.93% APR TX average | Used Auto @ 5.98% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.53/mo | $289.86/mo | $0.32/mo |
| $25,000 | $482.56/mo | $483.10/mo | $0.54/mo |
| $35,000 | $675.58/mo | $676.34/mo | $0.76/mo |
| $45,000 | $868.60/mo | $869.57/mo | $0.97/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Houston, Texas Auto Loan Rate Database
Our Houston, Texas auto loan tables currently track 34 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Houston, Texas database right now is 3.24% APR from Members Choice Credit Union. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in 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 $579 monthly car payment works out to roughly 17.5% of the median individual income in Houston, Texas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in 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 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in 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.
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?
What are the best Auto Loan rates in Houston, Texas?
- Southern Federal Credit Union: 2.50% (Auto Loans)
- Coastal Community Federal Credit Union: 3.01% (Vehicle Loans 0-36 Months)
- Members Choice Credit Union: 3.24% (Auto Loan)
- Texas Bay Credit Union: 3.94% (Used & New Auto Loans)
- Gulf Coast Educators Federal Credit Union: 3.99% (Auto Loan)
Houston, Texas Rates & Resources
