Auto Loan Rates in Houston, Texas (TX) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Houston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Houston, Texas include Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 8.54% offering New and Pre-Owned Autos at 3.24%, Coastal Community Federal Credit UnionCoastal Community Federal Credit Union7002 Fauna St, Houston, TX, 77061 3918A5.0 ★Texas Ratio: 12.09% offering Vehicle Loans at 3.31%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.62% offering New & Used - Automobiles Year Models - 2020 & Newer at 3.65%, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 1.43% offering NEW Autos Up to 36 Months at 3.99%, United Energy Credit UnionUnited Energy Credit Union1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230A+5.0 ★Texas Ratio: 2.67% offering New/Used Auto at 3.99%.
Auto loan rates in Houston, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Houston, Texas. Auto Loan Rates Last Updated and Verified: March 22, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A+ Credit
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A Credit
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A+ Credit
3.56%
37-48
▼
APR3.56%
Term37-48
Last UpdatedMar 18, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX, 77075
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX, 77075
Drive Smart Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX, 77075
First Time Auto Buyer Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX, 77032 3886
Auto Loan
4.00%
1 - 48
▼
APR4.00%
Term1 - 48
Last UpdatedMar 20, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As; Model Years: 2019-2025
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A Credit
4.06%
37-48
▼
APR4.06%
Term37-48
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A+ Credit
4.06%
49-60
▼
APR4.06%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans B Credit
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans
4.36%
0-36
▼
APR4.36%
Term0-36
Last UpdatedMar 18, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A Credit
4.36%
49-60
▼
APR4.36%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A+ Credit
4.36%
61-75
▼
APR4.36%
Term61-75
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans B Credit
4.36%
37-48
▼
APR4.36%
Term37-48
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans C Credit
4.36%
0-36
▼
APR4.36%
Term0-36
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2016-2018
4.39%
77 Months
▼
APR4.39%
Term77 Months
Last UpdatedMar 22, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2019-2023
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2024-2025
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
15100 Heathrow Forest Pkwy, Houston, TX, 77032 3886
Auto Loan
4.50%
49 - 84
▼
APR4.50%
Term49 - 84
Last UpdatedMar 20, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMar 20, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.74%
Up to 48-54 Months
▼
APR4.74%
TermUp to 48-54 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.75%
36 to 84 Months
▼
APR4.75%
Term36 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMar 22, 2026
Details
Based on your credit and risk score: Excellent
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
Up to 36 Month
▼
APR4.99%
TermUp to 36 Month
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans
5.06%
37-48
▼
APR5.06%
Term37-48
Last UpdatedMar 18, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A Credit
5.06%
61-75
▼
APR5.06%
Term61-75
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans A+ Credit
5.06%
76-84
▼
APR5.06%
Term76-84
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans B Credit
5.06%
49-60
▼
APR5.06%
Term49-60
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans C Credit
5.06%
37-48
▼
APR5.06%
Term37-48
Last UpdatedMar 18, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As; Model Years: 2020-2025
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMar 20, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2021-2024 Auto Loans
5.19%
60 Months
▼
APR5.19%
Term60 Months
Last UpdatedMar 18, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 22, 2026
Details
Greater than $25,000; 80% Financing MSRP or NADA Retail (20% down)
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 22, 2026
Details
100% Financing MSRP or NADA Retail
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
5.25%
61 to 66 months
▼
APR5.25%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2020 Auto Loans
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
5.49%
73 to 75 months
▼
APR5.49%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
Up to 66 Months
▼
APR5.49%
TermUp to 66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMar 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2016-2019 Auto Loans
5.59%
36 Months
▼
APR5.59%
Term36 Months
Last UpdatedMar 18, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedMar 22, 2026
Details
Based on your credit and risk score: Excellent
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
5.64%
73-84
▼
APR5.64%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX, 77059
Auto Loans
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As; 36 months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 22, 2026
Details
Greater than $25,000; 90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
Up to 75 Months
▼
APR5.74%
TermUp to 75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.84%
76 to 84 months
▼
APR5.84%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Classic Auto Auto Loans
5.84%
Fixed Rate
▼
APR5.84%
TermFixed Rate
Last UpdatedMar 18, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedMar 22, 2026
Details
Based on your credit and risk score: Excellent
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Used Vehicle Loan
5.89%
12-60
▼
APR5.89%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Used Vehicle Loan
5.94%
61-72
▼
APR5.94%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Model Years: 2023-2025
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMar 22, 2026
Details
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
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 UpdatedMar 22, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Greater than $50,000; 80% Financing MSRP or NADA Retail (20% down)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 21, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
Up to 84 Months4
▼
APR5.99%
TermUp to 84 Months4
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
6.09%
76 to 84 months
▼
APR6.09%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedMar 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2006-2015
6.19%
48 Months
▼
APR6.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedMar 22, 2026
Details
Based on your credit and risk score: Good
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2020-2021
6.24%
60 months
▼
APR6.24%
Term60 months
Last UpdatedMar 22, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 21, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
1
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.19%
48 Months
▼
APR4.19%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedMar 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.44%
48 Months
▼
APR4.44%
Term48 Months
Last UpdatedMar 18, 2026
Details
JSC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1330 Gemini St, Houston, TX, 77058
Auto Refinance 2025-2026 New
4.49%
84 Months
▼
APR4.49%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
4.50%
1 to 48 months
▼
APR4.50%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
4.60%
49 to 60 months
▼
APR4.60%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.69%
60 Months
▼
APR4.69%
Term60 Months
Last UpdatedMar 18, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.74%
Up to 48-54 Months
▼
APR4.74%
TermUp to 48-54 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.75%
36 to 84 Months
▼
APR4.75%
Term36 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
2025 & Newer Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMar 18, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
Up to 36 Month
▼
APR4.99%
TermUp to 36 Month
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.00%
61 to 66 months
▼
APR5.00%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.24%
73 to 75 months
▼
APR5.24%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
5.24%
61-72
▼
APR5.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.24%
Up to 72 Months
▼
APR5.24%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 22, 2026
Details
Greater than $25,000; 80% Financing MSRP or NADA Retail (20% down)
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 22, 2026
Details
100% Financing MSRP or NADA Retail
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.25%
84 months
▼
APR5.25%
Term84 months
Last UpdatedMar 21, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
Up to 66 Months
▼
APR5.49%
TermUp to 66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle
5.50%
48 Months
▼
APR5.50%
Term48 Months
Last UpdatedMar 17, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Vehicle Loan
5.64%
73-84
▼
APR5.64%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedMar 22, 2026
Details
Greater than $25,000; 90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
Up to 75 Months
▼
APR5.74%
TermUp to 75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan New 2025 (6,000 miles or less)
5.84%
76 to 84 months
▼
APR5.84%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Autos 2022-New
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMar 22, 2026
Details
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 22, 2026
Details
Greater than $50,000; 80% Financing MSRP or NADA Retail (20% down)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedMar 21, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
Up to 84 Months4
▼
APR5.99%
TermUp to 84 Months4
Last UpdatedMar 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMar 22, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMar 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMar 22, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedMar 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
Cy-Fair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.75%
36 to 84 Months
▼
APR4.75%
Term36 to 84 Months
Last UpdatedMar 18, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.75%
48 Months
▼
APR4.75%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
4.79%
1 to 48 months
▼
APR4.79%
Term1 to 48 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
4.85%
49 to 60 months
▼
APR4.85%
Term49 to 60 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMar 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
Up to 36 Month
▼
APR4.99%
TermUp to 36 Month
Last UpdatedMar 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMar 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.00%
60 Months
▼
APR5.00%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 20, 2026
Details
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMar 21, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedMar 18, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedMar 22, 2026
Details
100% Financing MSRP or NADA Retail
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
5.25%
61 to 66 months
▼
APR5.25%
Term61 to 66 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
5.49%
73 to 75 months
▼
APR5.49%
Term73 to 75 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
500 Chimney Rock Rd, Houston, TX, 77056
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMar 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedMar 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
Up to 66 Months
▼
APR5.49%
TermUp to 66 Months
Last UpdatedMar 21, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedMar 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
Up to 75 Months
▼
APR5.74%
TermUp to 75 Months
Last UpdatedMar 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMar 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Used Vehicle Loan
5.89%
12-60
▼
APR5.89%
Term12-60
Last UpdatedMar 18, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Used Vehicle Loan
5.94%
61-72
▼
APR5.94%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
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 UpdatedMar 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
Up to 84 Months4
▼
APR5.99%
TermUp to 84 Months4
Last UpdatedMar 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.26%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan Used 2025-2024
6.09%
76 to 84 months
▼
APR6.09%
Term76 to 84 months
Last UpdatedMar 18, 2026
Details
As Low As; Rates shown not available in VA, NC, UT, NV, and TX. Other rates subject to terms and are based on creditworthiness, therefore rates and terms may differ. Not all applicants will qualify for the lowest rate. Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (730+ Credit Score)
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.13%
1900 Main St, Houston, TX, 77002 8130
New/Used Auto Loan (680-729 Credit Score)
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMar 20, 2026
Details
Max LTV 100%; No auto > 7y age. Miles not to exceed 100k
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Frequently Asked Questions about Auto Loans in Houston, Texas
How does my credit score affect my car loan rate in Texas?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Houston, Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Houston, Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Houston, Texas?
Based on our current data, some of the lowest auto loan rates available in Houston, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Coastal Community Federal Credit Union: 3.31% (Vehicle Loans)
- MemberSource Credit Union: 3.65% (New & Used - Automobiles Year Models - 2020 & Newer)
- US Employees Credit Union: 3.99% (NEW Autos Up to 36 Months)
- United Energy Credit Union: 3.99% (New/Used Auto)
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: March 22, 2026
