Katy, Texas Best Auto Loan Rates - August 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Katy, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Katy, Texas include Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX, 77449 6728A5.0 ★Texas Ratio: 7.88% offering Auto Loan at 3.24%, Texas Bay Credit UnionTexas Bay Credit Union4747 FM 1463 Rd Ste 1000, Katy, TX, 77494A5.0 ★Texas Ratio: 7.72% offering Used & New Auto Loans at 3.94%, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union27252 Katy Fwy, Katy, TX, 77494 1001A+5.0 ★Texas Ratio: 3.70% offering Auto Loan at 3.99%, Smart Financial Credit UnionSmart Financial Credit Union6727 FM 1463 Rd Ste 100, Katy, TX, 77494A5.0 ★Texas Ratio: 9.36% offering New Auto at 3.99%, First Service Credit UnionFirst Service Credit Union23665 Katy Freeway, Katy, TX, 77494A+5.0 ★Texas Ratio: 4.69% offering Auto Loan at 3.99%. Auto loan rates as of August 28, 2026 according to verified data from MonitorBankRates.
Katy has 9 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 3770 Fry Rd, Katy, TX, 77449 6728. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Katy, Texas. Auto Loan Rates Last Updated and Verified: August 28, 2026
Compare Auto Loan Rates Today in Katy, Texas & Surrounding Area
Katy Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Auto Loan
3.24%
12 Months
▼
APR3.24%
Term12 Months
Last UpdatedAug 28, 2026
Details
As Low As; Other terms available.
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
27252 Katy Fwy, Katy, TX, 77494 1001
Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
23665 Katy Freeway, Katy, TX, 77494
Auto Loan
3.99%
36 - 84 months
▼
APR3.99%
Term36 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
27252 Katy Fwy, Katy, TX, 77494 1001
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
27252 Katy Fwy, Katy, TX, 77494 1001
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As; Current model year
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
27252 Katy Fwy, Katy, TX, 77494 1001
Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
27252 Katy Fwy, Katy, TX, 77494 1001
Auto Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 36 Months
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details
2016 - 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details
2018 - 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
2022 - 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedAug 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 72 Months
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
2023 - 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans
5.99%
36-MONTH
▼
APR5.99%
Term36-MONTH
Last UpdatedAug 28, 2026
Details
Qualifications Required: MUST BE 18 YEARS OF AGE OR OLDER. MUST BE EMPLOYED FOR 1 CONSECUTIVE YEAR AT TIME OF APPLICATION OR GRADUATED WITHIN 12 MONTHS FROM ANY UNIVERSITY/COLLEGE/TECHNICAL SCHOOL PROGRAM AND WORKING IN A FULL-TIME CAPACITY.; ADVERTISED RATE IS THE LOWEST ANNUAL PERCENTAGE RATE OFFERED FOR A 36-MONTH TERM ON NEW AUTOS. MINIMUM LOAN AMOUNT IS $5,000. MAXIMUM LOAN AMOUNT IS $40,000.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
7.49%
Up to 72 months
▼
APR7.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
7.99%
84 months
▼
APR7.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Vehicle Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedAug 28, 2026
Details
New Auto APR
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedAug 28, 2026
Details
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedAug 28, 2026
Details
As low as 2.50% APR. Rates of 2.50% to 14.90% APR available depending on term. Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedAug 28, 2026
Details
2026, 2025, 2024
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Auto Loans
2.95%
up to 84 months
▼
APR2.95%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan (2026)
2.99%
48 months
▼
APR2.99%
Term48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.01%
36 Months
▼
APR3.01%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.26%
36 Months
▼
APR3.26%
Term36 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 37-48 Months
3.26%
48 Months
▼
APR3.26%
Term48 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
APR3.50%
Term36 months
Last UpdatedAug 28, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan up to 75 Months
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
3.76%
36 Months
▼
APR3.76%
Term36 Months
Last UpdatedAug 28, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 37-48 Months
3.76%
48 Months
▼
APR3.76%
Term48 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 49-60 Months
3.76%
60 Months
▼
APR3.76%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2024
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details
As low as
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Depending on Age
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
Vehicles Loan
3.99%
Up to 84 months, Depending on Age
▼
APR3.99%
TermUp to 84 months, Depending on Age
Last UpdatedAug 28, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
LIFE Federal Credit Union
Institution Rating:
C-3.7 ★ Texas Ratio: 27.61%
Repo Vehicle Loans 60 Months Fixed Rate
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
For a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53. Discounted rate. $200 cash bonus. No payments for 90 days.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 48 Months
3.99%
Up to 48 Months
▼
APR3.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.68%
Vehicle Loans Up to 60 Months
3.99%
Up to 60 Months
▼
APR3.99%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans 54 months or Less
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Auto Loans
3.99%
60 months
▼
APR3.99%
Term60 months
Last UpdatedAug 28, 2026
Details
on new loans, not eligible for in-house refinance
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.00%
up to 60 month financing available
▼
APR4.00%
Termup to 60 month financing available
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedAug 28, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.05%
2 Yrs
▼
APR4.05%
Term2 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2011 to 2015
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 0-36 Months
4.06%
36 Months
▼
APR4.06%
Term36 Months
Last UpdatedAug 28, 2026
Details
C Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 37-48 Months
4.06%
48 Months
▼
APR4.06%
Term48 Months
Last UpdatedAug 28, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 49-60 Months
4.06%
60 Months
▼
APR4.06%
Term60 Months
Last UpdatedAug 28, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.48%
Vehicle Loans 61-75 Months
4.06%
75 Months
▼
APR4.06%
Term75 Months
Last UpdatedAug 28, 2026
Details
A+ Credit*
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Auto Loan
4.09%
Up to 12 months
▼
APR4.09%
TermUp to 12 months
Last UpdatedAug 28, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
2026 & Newer
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.15%
3 Yrs
▼
APR4.15%
Term3 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2016 to 2019
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
APR as low as
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.82%
Auto Loans
4.19%
36 Months
▼
APR4.19%
Term36 Months
Last UpdatedAug 28, 2026
Details
Vehicle Year: 2025 & Newer
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedAug 28, 2026
Details
Model Year: 2023
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Vehicles Loan
4.20%
Up to 72 months
▼
APR4.20%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
United Credit Union Tyler, TX
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
Auto Loan
4.24%
up to 48 months
▼
APR4.24%
Termup to 48 months
Last UpdatedAug 28, 2026
Details
Maximum Available Term: Up to 84 months
APR4.24%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as*
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Car Loans
4.25%
4 Yrs
▼
APR4.25%
Term4 Yrs
Last UpdatedAug 28, 2026
Details
Model Year: 2020 to 2024
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Katy New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As; Current model year
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.49%
Up to 72 months
▼
APR5.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
As low as
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
New Auto Loan
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
As low as
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
New car purchase Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
New car rate Loan
5.94%
60 months
▼
APR5.94%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a new car would have a 5.94% APR for 60 months, monthly payment of $868.72 for $45,000 financing, down payment of $0.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
5.99%
84 months
▼
APR5.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
7.49%
Up to 72 months
▼
APR7.49%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
Smart Start Auto Loans - New Auto
7.99%
84 months
▼
APR7.99%
Term84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedAug 28, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
6727 FM 1463 Rd Ste 100, Katy, TX, 77494
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedAug 28, 2026
Details
APR1.99%
Term1 yr.
Last UpdatedAug 28, 2026
Details
For all 1 yr. old or newer vehicles. Cars, trucks, RVs or tractors. Pending credit approval
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicles Loan
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New Auto
3.00%
Up to 36 months
▼
APR3.00%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.49%
Up to 36 Months
▼
APR3.49%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as; Take a courtesy credit of 0.25%, if financed less than 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.43%
2019 & Newer Auto Loan
3.69%
Up to 78 Months
▼
APR3.69%
TermUp to 78 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedAug 28, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan up to 75 Months
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedAug 28, 2026
Details
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
36 months
▼
APR3.75%
Term36 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
New Autos
3.90%
72 mos.
▼
APR3.90%
Term72 mos.
Last UpdatedAug 28, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
New, current year model vehicles and up to three calendar years old with low mileage Loan
3.95%
48 to 60 Months
▼
APR3.95%
Term48 to 60 Months
Last UpdatedAug 28, 2026
Details
As low as
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Titled Vehicle Loan
3.99%
up to 84 months
▼
APR3.99%
Termup to 84 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Secured Advantage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
New Auto Loans
3.99%
Up to 84 months
▼
APR3.99%
TermUp to 84 months
Last UpdatedAug 28, 2026
Details
Depending on Age
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
New Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Qualifying rate - Conditions apply; Up to $250,000
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos - Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans 54 months or Less
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedAug 28, 2026
Details
As low as
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedAug 28, 2026
Details
As low as*
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedAug 28, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedAug 28, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
48 months
▼
APR4.00%
Term48 months
Last UpdatedAug 28, 2026
Details
Minimum Invoice Amount: $30,000; Rates are as low as shown.
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
New Car Loan
4.00%
up to 60 month financing available
▼
APR4.00%
Termup to 60 month financing available
Last UpdatedAug 28, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles 24 Months
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedAug 28, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.01%
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
As low as
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles 36 Months
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedAug 28, 2026
Details
Fixed Rate
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedAug 28, 2026
Details
As Low As; Rates effective as of April 1, 2026. Based on credit score, loan term, and relationship discounts. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants in combination with relationship discounts. Additional discounts available.
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans - 2026 & Newer
4.14%
0 - 75 Months
▼
APR4.14%
Term0 - 75 Months
Last UpdatedAug 28, 2026
Details
As low as
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Vehicles Loan
4.20%
Up to 72 months
▼
APR4.20%
TermUp to 72 months
Last UpdatedAug 28, 2026
Details
Deduct .25% from the stated rate with a 20% or greater down payment of the purchase price plus TT&L; Deduct .50% from the stated rate if the vehicle loan is repaid by payroll deduction or automatic payment from a CCTFCU checking account for the loan's full term; Deduct .25% from the stated rate when a member requests a lower term than the lowest stated term.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
APR4.24%
Term60-month
Last UpdatedAug 28, 2026
Details
As low as*
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
Powered by
MonitorBankRates
Katy Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedAug 28, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
3211 Peek Rd, Katy, TX, 77449
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedAug 28, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2023-2025 Used Vehicles Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2019 - 2022 Used Vehicles Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedAug 28, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
4747 FM 1463 Rd Ste 1000, Katy, TX, 77494
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedAug 28, 2026
Details
As Low As; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedAug 28, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 36 Months
5.64%
36 Months
▼
APR5.64%
Term36 Months
Last UpdatedAug 28, 2026
Details
2016 - 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 48 Months
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedAug 28, 2026
Details
2018 - 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 60 Months
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedAug 28, 2026
Details
2022 - 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
25525 Katy Mills Pkwy, Katy, TX, 77494
2015 - 2018 Used Vehicles Loan
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedAug 28, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX, 77494
Used Auto Loan - 72 Months
5.79%
72 Months
▼
APR5.79%
Term72 Months
Last UpdatedAug 28, 2026
Details
2023 - 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
Used car purchase Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.31%
406 S Mason Rd, Katy, TX, 77450
Used car rate Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedAug 28, 2026
Details
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Learn more. Purchase of a used 2022 year car would have a 5.99% APR for 60 months, monthly payment of $579.84 for $30,000 financing, down payment of $0.
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
3770 Fry Rd, Katy, TX, 77449 6728
Pre-Owned Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedAug 28, 2026
Details
Rates as low as*
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2013 & Older Loan
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2014-2015 Loan
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2016-2017 Loan
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Vehicles - 2018-2020 Loan
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedAug 28, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.20%
36 to 72 Months
▼
APR3.20%
Term36 to 72 Months
Last UpdatedAug 28, 2026
Details
Fixed
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2025 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.48%
Used Vehicle - 2026-2027 Loan
3.40%
60 mos.
▼
APR3.40%
Term60 mos.
Last UpdatedAug 28, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
Up to 36 months
▼
APR3.49%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
Up to 36 months
▼
APR3.75%
TermUp to 36 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedAug 28, 2026
Details
The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedAug 28, 2026
Details
Rates Subject to Change. APR=Annual Percentage Rate. Rates Effective June 1, 2026.
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2024
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedAug 28, 2026
Details
Model Year: 2025
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedAug 28, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedAug 28, 2026
Details
A (720-799)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA) - 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedAug 28, 2026
Details
A+ (800+)
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
New & Used Auto
3.95%
Up to 60 months
▼
APR3.95%
TermUp to 60 months
Last UpdatedAug 28, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedAug 28, 2026
Details
As Low As; New or used vehicle up to 36 months.
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Titled Vehicle Loan
3.99%
up to 60 months
▼
APR3.99%
Termup to 60 months
Last UpdatedAug 28, 2026
Details
As Low As; up to 18.00%**; Fixed
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
Used Vehicles Loan
3.99%
48 months
▼
APR3.99%
Term48 months
Last UpdatedAug 28, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Used Auto Loan
3.99%
36 months
▼
APR3.99%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As; Up to 5 Years old / 2021+; Up to $250,000
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedAug 28, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedAug 28, 2026
Details
As Low As
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (36 months or less)
4.00%
36 months or less
▼
APR4.00%
Term36 months or less
Last UpdatedAug 28, 2026
Details
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.00%
36-60
▼
APR4.00%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 1 750-up
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
Up to 48 months
▼
APR4.00%
TermUp to 48 months
Last UpdatedAug 28, 2026
Details
All model years; Vehicles with less than 20k miles
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedAug 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.76%
New/Used Vehicles 730+ A+ Loan
4.00%
24 Mo.
▼
APR4.00%
Term24 Mo.
Last UpdatedAug 28, 2026
Details
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
New & Used Autos
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedAug 28, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedAug 28, 2026
Details
As low as; Maximum Loan: NADA RETAIL VALUE
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedAug 28, 2026
Details
As Low As
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New & Used Auto
4.15%
36-60
▼
APR4.15%
Term36-60
Last UpdatedAug 28, 2026
Details
Tier 2 700-749
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks - 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedAug 28, 2026
Details
Model Year: 2023
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New and Used Autos
4.24%
24 Months
▼
APR4.24%
Term24 Months
Last UpdatedAug 28, 2026
Details
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
New or Used Autos or Harley Davidson Motorcycles (48 months or less)
4.25%
48 months or less
▼
APR4.25%
Term48 months or less
Last UpdatedAug 28, 2026
Details
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MonitorBankRates
Katy, TX Auto Loan Rate Trends
Compare local Katy, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
5.934%
▲ 0.143 vs 7 days ago
Texas new auto rates rose 0.143 points over the past 7 days to 5.934% APR.
Used Auto Loan — TX Avg
5.981%
▲ 0.167 vs 7 days ago
Texas used auto rates rose 0.167 points over the past 7 days to 5.981% APR.
As of Aug 29, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan — use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.93% APR TX average | Used Auto @ 5.98% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $289.53/mo | $289.86/mo | $0.32/mo |
| $25,000 | $482.56/mo | $483.10/mo | $0.54/mo |
| $35,000 | $675.58/mo | $676.34/mo | $0.76/mo |
| $45,000 | $868.60/mo | $869.57/mo | $0.97/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
About Our Katy, Texas Auto Loan Rate Database
67 Local Lenders Tracked
Banks & Credit Unions
Updated Daily
Our Katy, Texas auto loan tables currently track 67 banks and credit unions offering new and used vehicle financing to borrowers in this market. Every APR is sourced directly from the lender’s own website and re-verified regularly, so the rates you compare here reflect what lenders are actually advertising today — not stale or estimated numbers.
The lowest verified auto loan APR in our Katy, Texas database right now is 1.99% APR from BELTON. Advertised APRs typically assume excellent credit, so use the full rate table above to compare offers across your actual credit tier.
How to Get the Best Auto Loan Rate in Katy, Texas
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Katy, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups — dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect — many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater” — owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs — CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment → park it in a Katy, Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange → compare personal loan rates
- Car fund you won’t need for a set period → Katy, Texas CD rates lock in a guaranteed return until you’re ready to buy
Katy, Texas Financial Snapshot
Local demographics and economic context for car buyers — Source: U.S. Census Bureau
$55,617
Median Individual Earnings
National avg: $47,340
7.4%
Unemployment Rate
National avg: 4.8%
8.1%
Poverty Rate
National avg: 11.1%
$579/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.93% APR
A $579 monthly car payment works out to roughly 12.5% of the median individual income in Katy, Texas. Most budgeting guidelines suggest keeping total vehicle costs — payment, insurance, fuel, and maintenance — under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Katy, Texas — but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies — can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify — always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Katy, Texas. We’ve prefilled the APR with today’s TX new-auto average — or click any current rate on the right to apply it instantly.
$
$
%
Current Rates — Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Katy, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Katy, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Katy, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Katy, 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 Katy, 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 Katy, 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.
Should I get preapproved for an auto loan before visiting a dealer in Katy, Texas?
Yes. A preapproval from a bank or credit union serving Katy, Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Katy, Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
What are the best Auto Loan rates in Katy, Texas?
Based on our current data, some of the lowest auto loan rates available in Katy, Texas include:
- Members Choice Credit Union: 3.24% (Auto Loan)
- Texas Bay Credit Union: 3.94% (Used & New Auto Loans)
- Gulf Coast Educators Federal Credit Union: 3.99% (Auto Loan)
- Smart Financial Credit Union: 3.99% (New Auto)
- First Service Credit Union: 3.99% (Auto Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Katy, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: August 28, 2026
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