Auto Loan Rates in San Antonio, Texas (TX) for March 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 San Antonio, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in San Antonio, Texas include Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX, 78238A5.0 ★Texas Ratio: 7.73% offering Auto Loans at 3.24%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX, 78247A+5.0 ★Texas Ratio: 2.18% offering New Auto Loan at 3.99%, Synergy Federal Credit UnionSynergy Federal Credit Union1 Valero Way, San Antonio, TX, 78249 1616A+5.0 ★Texas Ratio: 0.96% offering New & Used Vehicles at 4.50%, Generations Community Federal Credit UnionGenerations Community Federal Credit Union1100 NW Loop 410, San Antonio, TX, 78213A+5.0 ★Texas Ratio: 5.93% offering Auto Loan 2025 + Newer Models at 4.85%, Randolph Brooks FCURandolph Brooks FCU11432 W Loop 1604 N, San Antonio, TX, 78254A+5.0 ★ offering Auto Loans at 4.99%.
Auto loan rates in San Antonio, Texas are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in San Antonio, Texas. Auto Loan Rates Last Updated and Verified: March 20, 2026
Compare Auto Loan Rates Today in San Antonio, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2026 & Newer
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans
4.90%
72 Months
▼
APR4.90%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
4.99%
24 - 36
▼
APR4.99%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 years old)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
4.99%
0 - 75 Months
▼
APR4.99%
Term0 - 75 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
5.13%
75 Months
▼
APR5.13%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year New - 2025
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
5.25%
61 - 66
▼
APR5.25%
Term61 - 66
Last UpdatedMar 11, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 years old)
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 36 mo. (all model years); Regular APR: 5.49% - 16.20%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2024 - 2021
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
5.53%
75 Months
▼
APR5.53%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2024 - 2021
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.60%
60 Months
▼
APR5.60%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.60%
60 Months
▼
APR5.60%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
5.70%
36 Months
▼
APR5.70%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2024 - 2021
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year New - 2025
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.80%
72 Months
▼
APR5.80%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.80%
72 Months
▼
APR5.80%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.84%
67 - 75
▼
APR5.84%
Term67 - 75
Last UpdatedMar 18, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto & Above)
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
$22,000; As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto & Above)
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
$22,000; As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans
5.90%
84 Months
▼
APR5.90%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
5.95%
24 - 36
▼
APR5.95%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans
5.99%
76 - 84 Months
▼
APR5.99%
Term76 - 84 Months
Last UpdatedMar 18, 2026
Details
As Low As; APR - 2023 - 2025*
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
6.00%
60 Months
▼
APR6.00%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2020 - 2016
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
6.03%
75 Months
▼
APR6.03%
Term75 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2020 - 2016
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 72 mo. (2024 and newer); Regular APR: 6.09% - 17.20%
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2024 - 2021
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
6.30%
36 Months
▼
APR6.30%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2020 - 2016
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto & Above)
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 20, 2026
Details
$35,000; As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto & Above)
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 20, 2026
Details
$35,000; As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
6.50%
73 - 78
▼
APR6.50%
Term73 - 78
Last UpdatedMar 11, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX, 78232
Automobiles & Light-Duty Trucks
6.75%
84 Months
▼
APR6.75%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As; Model Year 2020 - 2016
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
6.75%
61 - 66
▼
APR6.75%
Term61 - 66
Last UpdatedMar 11, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
6.84%
76 - 84
▼
APR6.84%
Term76 - 84
Last UpdatedMar 18, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
6.99%
24 - 36
▼
APR6.99%
Term24 - 36
Last UpdatedMar 11, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
7.00%
97 - 120
▼
APR7.00%
Term97 - 120
Last UpdatedMar 11, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
7.25%
61 - 72
▼
APR7.25%
Term61 - 72
Last UpdatedMar 11, 2026
Details
As Low As
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
7.25%
60 Months
▼
APR7.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
7.50%
121 - 144
▼
APR7.50%
Term121 - 144
Last UpdatedMar 11, 2026
Details
As Low As
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
11432 W Loop 1604 N, San Antonio, TX, 78254
Auto Loans
7.75%
145 - 180
▼
APR7.75%
Term145 - 180
Last UpdatedMar 11, 2026
Details
As Low As
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
8.00%
60 Months
▼
APR8.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
8.25%
60 Months
▼
APR8.25%
Term60 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
8.50%
72 Months
▼
APR8.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
Classic Vehicle Loans
8.74%
Up to 4 years
▼
APR8.74%
TermUp to 4 years
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
8.75%
72 Months
▼
APR8.75%
Term72 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
9.00%
60 Months
▼
APR9.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
9.25%
72 Months
▼
APR9.25%
Term72 Months
Last UpdatedMar 15, 2026
Details
Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
9.50%
72 Months
▼
APR9.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
9.75%
144 Months
▼
APR9.75%
Term144 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
10.00%
120 Months
▼
APR10.00%
Term120 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
10.25%
144 Months
▼
APR10.25%
Term144 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
10.50%
144 Months
▼
APR10.50%
Term144 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
11.50%
72 Months
▼
APR11.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As; Rates are based on Terms and Amount Financed
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
13.00%
60 Months
▼
APR13.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
9253 N Loop 1604 W, San Antonio, TX, 78249 2513
Other Vehicle Loan
14.50%
72 Months
▼
APR14.50%
Term72 Months
Last UpdatedMar 15, 2026
Details
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
A+ Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.31%
0-36
▼
APR3.31%
Term0-36
Last UpdatedMar 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
A Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
3.56%
0-36
▼
APR3.56%
Term0-36
Last UpdatedMar 18, 2026
Details
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A+ Credit
3.56%
37-48
▼
APR3.56%
Term37-48
Last UpdatedMar 18, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.90%
18 Months
▼
APR3.90%
Term18 Months
Last UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Auto Loan A+
3.95%
0-36
▼
APR3.95%
Term0-36
Last UpdatedMar 20, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
2005 Center St, Deer Park, TX, 77536
Auto Loan A+
3.99%
0-48 Months
▼
APR3.99%
Term0-48 Months
Last UpdatedMar 13, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
Oak Cliff Christian Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
1130 W Camp Wisdom Rd, Dallas, TX, 75232 3404
Auto Loan
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; No payments for 90 days.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Auto Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; Additional loyalty discount of .25% with direct deposit of $250 per month and auto pay
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
Drive Smart Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
3923 5th St, Brookshire, TX, 77423
First Time Auto Buyer Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedMar 15, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 11, 2026
Details
As Low As; $15,000 minimum Sticker Price
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1322 E San Benito St, Rio Grande City, TX, 78582
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX, 77584
Auto Loan
4.00%
1 - 48
▼
APR4.00%
Term1 - 48
Last UpdatedMar 20, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.06%
0-36
▼
APR4.06%
Term0-36
Last UpdatedMar 18, 2026
Details
B Credit*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.09%
2302 Church St, Galveston, TX, 77550
Vehicle Loans A Credit
4.06%
37-48
▼
APR4.06%
Term37-48
Last UpdatedMar 18, 2026
Details
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
4.85%
36 Months
▼
APR4.85%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
5.40%
60 Months
▼
APR5.40%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 36 mo. (all model years); Regular APR: 5.49% - 16.20%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
5.60%
72 Months
▼
APR5.60%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMar 20, 2026
Details
As Low As
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.84%
67 - 75
▼
APR5.84%
Term67 - 75
Last UpdatedMar 18, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto & Above)
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
$22,000; As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 20, 2026
Details
As Low As
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 72 mo. (2024 and newer); Regular APR: 6.09% - 17.20%
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan 2025 + Newer Models
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
New Auto Loan
6.15%
84 Months
▼
APR6.15%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMar 20, 2026
Details
As Low As; Qualifying rate - Conditions apply
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
New Auto & Above)
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 20, 2026
Details
$35,000; As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
3635 SE Military Dr Ste 100, San Antonio, TX, 78223 4078
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
6.84%
76 - 84
▼
APR6.84%
Term76 - 84
Last UpdatedMar 18, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.00%
60 Months
▼
APR2.00%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles
2.25%
72 Months
▼
APR2.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedMar 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMar 15, 2026
Details
up to 75 Months
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 7,500 miles
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMar 17, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Auto Loan
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMar 20, 2026
Details
CREDIT SCORE: A+ (800+)
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.55%
6160 WARREN PKWY STE 500, FRISCO, TX, 75034 9673
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMar 15, 2026
Details
As Low As
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedMar 15, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 17, 2026
Details
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
New Cars, Trucks, Vans
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 11, 2026
Details
As Low As; $15,000 minimum Sticker Price
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMar 13, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMar 17, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.50%
60 months
▼
APR4.50%
Term60 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
4.90%
72 months
▼
APR4.90%
Term72 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 years old)
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.05%
36 Months
▼
APR5.05%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.25%
36 Months
▼
APR5.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 years old)
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
4306 Broadway Street, San Antonio, TX, 78209
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; 36 mo. (all model years); Regular APR: 5.49% - 16.20%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX, 78264
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (Up to 5 Years old / 2021+)
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.60%
60 Months
▼
APR5.60%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.60%
60 Months
▼
APR5.60%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.69%
48 Months
▼
APR5.69%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto (1 - 5 Year Model)
5.79%
60 Months
▼
APR5.79%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
5.80%
72 Months
▼
APR5.80%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
5.80%
72 Months
▼
APR5.80%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
5.84%
67 - 75
▼
APR5.84%
Term67 - 75
Last UpdatedMar 18, 2026
Details
As Low As
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto & Above)
5.89%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMar 20, 2026
Details
$22,000; As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX, 78249 1616
New & Used Vehicles
5.90%
84 months
▼
APR5.90%
Term84 months
Last UpdatedMar 15, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12054 Starcrest Dr, San Antonio, TX, 78247
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; (6-10 Years old / 2015+)
City Public Service IBEW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.55%
1002 Camden ST, San Antonio, TX, 78215 1452
Auto Loan (New, Used, & Refinance)
6.09%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As; 72 mo. (2024 and newer); Regular APR: 6.09% - 17.20%
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Auto Loan Used 2016-2024 Year Models
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; *APR is Annual Percentage Rate. Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026. Payment Example: For a $15,000 loan for a term of 36 months with a 4.85% APR, the monthly payment will be $448.55.
Generations Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
1100 NW Loop 410, San Antonio, TX, 78213
Used Auto Loan
6.35%
84 Months
▼
APR6.35%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Rates listed include a discount of 0.35%, which may be applied to New and Used Auto Loans that are enrolled in automatic payments from a MyAdvantage Checking or MyAdvantage Plus Checking account at time of closing. Rates effective 02/23/2026.
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX, 78249
Used Auto & Above)
6.39%
84 Months
▼
APR6.39%
Term84 Months
Last UpdatedMar 20, 2026
Details
$35,000; As Low As
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd, San Antonio, TX, 78232 1703
New and Used Auto Loans
6.84%
76 - 84
▼
APR6.84%
Term76 - 84
Last UpdatedMar 18, 2026
Details
As Low As
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.00%
36 Months
▼
APR2.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.00%
48 Months
▼
APR2.00%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.25%
36 Months
▼
APR2.25%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.25%
48 Months
▼
APR2.25%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.25%
60 Months
▼
APR2.25%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2013 & Older
2.75%
36 Months
▼
APR2.75%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2014-2015
2.75%
48 Months
▼
APR2.75%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2016-2017
2.75%
60 Months
▼
APR2.75%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX, 76701 1364
Used Vehicles - 2018-2020
2.75%
72 Months
▼
APR2.75%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; With Approved Credit
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMar 20, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMar 20, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedMar 20, 2026
Details
As Low As
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.25%
36 Months
▼
APR3.25%
Term36 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedMar 16, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMar 15, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 36 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.50%
48 Months
▼
APR3.50%
Term48 Months
Last UpdatedMar 13, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.60%
36 to 72 Months
▼
APR3.60%
Term36 to 72 Months
Last UpdatedMar 15, 2026
Details
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 Months
▼
APR3.61%
Term36 Months
Last UpdatedMar 15, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
36 Months
▼
APR3.65%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
48 Months
▼
APR3.65%
Term48 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
60 Months
▼
APR3.65%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
72 Months
▼
APR3.65%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
84 Months
▼
APR3.67%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
36 Months
▼
APR3.74%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMar 15, 2026
Details
As Low As; All model years, Up to 48 months
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan
3.75%
60 Months
▼
APR3.75%
Term60 Months
Last UpdatedMar 13, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedMar 16, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX, 79603
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMar 17, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd, Carrollton, TX, 75006 7260
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMar 15, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedMar 15, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedMar 20, 2026
Details
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.47%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
12 to 84 Months
▼
APR3.99%
Term12 to 84 Months
Last UpdatedMar 15, 2026
Details
As Low As
Seagoville Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2209 N Highway 175, Seagoville, TX, 75159 2137
Used Cars, Trucks, Vans
4.00%
12 Months
▼
APR4.00%
Term12 Months
Last UpdatedMar 11, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMar 15, 2026
Details
As Low As; 2020 & newer, Up to 60 months
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
5211 E Parkway St, Groves, TX, 77619
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 20, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedMar 16, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedMar 13, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedMar 15, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in San Antonio, 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 San Antonio, 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 San Antonio, Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in San Antonio, Texas?
Based on our current data, some of the lowest auto loan rates available in San Antonio, Texas include:
- Baxter Credit Union: 3.24% (Auto Loans)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan)
- Synergy Federal Credit Union: 4.50% (New & Used Vehicles)
- Generations Community Federal Credit Union: 4.85% (Auto Loan 2025 + Newer Models)
- Randolph Brooks FCU: 4.99% (Auto Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in San Antonio, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 20, 2026
