Auto Loan Rates in Westbrook, Texas (TX) for June 2026
Brian McKay
Brian McKay
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Current auto loan rates in Westbrook, Texas include HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21A+5.0 ★Texas Ratio: 0.75% offering Vehicle Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit UnionA+5.0 ★Texas Ratio: 1.92% offering New Vehicles, New Automobile (NA) A+ (800 at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORSA+5.0 ★Texas Ratio: 2.34% offering New vehicles Loan at 2.99%, Lubrizol Employees Credit UnionLubrizol Employees Credit UnionA+5.0 ★Texas Ratio: 1.17% offering New & Used Automobile at 3.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%. Auto loan rates as of June 16, 2026 according to verified data from MonitorBankRates.
Westbrook borrowers have access to 71 lenders serving the Texas area, with auto loan rates as low as 2.50% APR from HIGHWAY DISTRICT 21. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Westbrook, Texas. Auto Loan Rates Last Updated and Verified: June 16, 2026
Compare Auto Loan Rates Today in Westbrook, Texas & Surrounding Area
Westbrook Auto Loan Rates
Rates are based on a minimum credit score of 700.
APR*
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Minimum Invoice Amount: $30,000
As Low As; Vehicles with less than 20k miles
Fixed
Rate shown is for 36-month term new auto and includes a 0.25% loyalty discount for recurring monthly direct deposit and auto pay. As low as 3.99% APR*
As Low As; Minimum Invoice Amount: $30,000
As Low As; Vehicles with less than 20k miles
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As
Annual Percentage Rate (APR)
As Low As; New or used vehicle
Maximum Loan Discount: 0.75%
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 3.99% - 13.00%
Rates are based on a minimum credit score of 700.
As Low As; Minimum Invoice Amount: $30,000
As Low As; 2020 & newer; Vehicles with less than 20k miles
As Low As
As Low As
Model year 2023 or newer
Model year 2022 or older
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
Model Year: 2011 to 2015
As low as
As Low As; 2026 & Newer
Model Year: 2016 to 2019
Maximum Loan Discount: 0.75%
As Low As; Up to 120% Financing on Approved Credit
Model Year: 2020 to 2024
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As; Fixed Rate
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 4.25% - 13.49%
As Low As; Rates as low as 4.25% - 13.75%
As low as; Rate includes both discounts
Model Year: 2025 to 2027
As Low As
Maximum APR: 15.14%
As Low As
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As; Rate subject to change.
As Low As
Model Year: 2025 to 2027
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Rates as low as 4.35%.
As Low As; *
Maximum Loan Discount: 0.75%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% - 14.00%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As; 2022 & newer; Vehicles with less than 20k miles
As Low As
As Low As; financing available
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
All APPROVED loans are eligible for this rate! Terms and conditions apply.
As Low As; Rates as low as 4.50% - 14.00%
Limited-time auto loan rate from June 5th to July 31st. Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
As Low As; Advertised rate is for a 48-month term and includes discounts of 0.25% for Auto Pay from the lowest rate of 4.75%.
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
As low as
As Low As; Now-July 7
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
APR as low as
Loan Amount: $2,500+
Rates as low as 4.60%.
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As; 2024 & newer; Vehicles with less than 20k miles
As Low As
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 4.75% - 14.75%
As Low As; Rates as low as 4.75% - 14.75%
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Maximum APR: 16.29%
As low as
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; Vehicle Year: 2023-2026
As Low As; rates are set according to credit rating
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Loan Amount: $2,500+
As Low As; Qualified buyers: Take 90 days to make your first payment.
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; rates are set according to credit rating
APR as low as
As Low As
As Low As; Fixed Rate
As Low As
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Minimum Amount $2,000
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Good: 6.24%, Average: 7.49%, Fair: 9.39%, Marginal: 14.65%, Low / No score: 17.25%
Model Year New - 2025; Minimum to Finance: $5,000
Model Year New - 2025; Minimum to Finance: $10,000
Model Year New - 2025; Minimum to Finance: $15,000
as low as
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
As Low As; for NEW & USED VEHICLES
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
As Low As; Vehicle Year: 2023-2026
Westbrook New Auto Auto Loan Rates
Rates are based on a minimum credit score of 700.
APR*
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Minimum Invoice Amount: $30,000
Fixed
As Low As; Minimum Invoice Amount: $30,000
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As
As Low As; New or used vehicle
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Rates as low as 3.99% - 13.00%
Rates are based on a minimum credit score of 700.
As Low As; Minimum Invoice Amount: $30,000
As Low As
Model year 2023 or newer
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
As low as
As Low As; Up to 120% Financing on Approved Credit
Rates by Year: 2024 or Newer; Tier Level: Up to 3 Years (1-36M); Equifax Score: 750+
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Rates as low as 4.25% - 13.49%
As low as; Rate includes both discounts
As Low As
Maximum APR: 15.14%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
Rates as low as 4.35%.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% - 14.00%
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As
As Low As; financing available
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; Qualifying rate - Conditions apply; Up to $250,000
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; Minimum Invoice Amount: $30,000
As Low As
Rates by Year: 2024 or Newer; Tier Level: 4 - 5 Years (37-64M); Equifax Score: 750+
As Low As
As Low As; Qualifying rate - Conditions apply; Up to $250,000
As Low As; Rates as low as 4.75% - 14.75%
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Maximum APR: 16.29%
As low as
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; rates are set according to credit rating
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; rates are set according to credit rating
As Low As
As Low As
As Low As; Rate applies to loans of $2,000 or more.
As Low As; Minimum Amount $2,000
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
As Low As; Loyalty Plus & Online Application Discount: 4.39%
Rates by Year: 2024 or Newer; Tier Level: 6 Years (65-76M); Equifax Score: 750+
Westbrook Used Auto Auto Loan Rates
APR*
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; *
As Low As; Vehicles with less than 20k miles
Fixed
As Low As; Vehicles with less than 20k miles
As low as
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As
As Low As; New or used vehicle
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; 2020 & newer; Vehicles with less than 20k miles
As Low As
Model year 2022 or older
As Low As; Model Years 2019-2025
As Low As; Model Years: 2019-2025
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rate
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 4.25% - 13.75%
As low as; Rate includes both discounts
As Low As
Maximum APR: 15.14%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; Rate subject to change.
As Low As; Based On Credit Score And Loan Term. APR = Annual percentage rate. Rates are based on a combination of your credit score, terms and other lending criteria. Each application is evaluated on an individual basis. Rates up to 18%. Stated "rates as low as" apply to well-qualified applicants. The annual percentage rate (APR) for certificate secured advances will be the dividend being paid on the Certificate offered as security plus the percentage shown above. The current ANNUAL PERCENTAGE RATE will be disclosed at the time of the advance. We may report information about your loan and deposit accounts to credit bureaus. Late payments, missed payments or other defaults on your accounts will be reflected in your credit report. Rates are subject to change without notice. Membership is required. For more information, please contact a Swemp Federal Credit Union representative at (903) 793-2274.
As Low As; Up to 120% Financing on Approved Credit
As Low As; 2022 & newer; Vehicles with less than 20k miles
As Low As
As Low As; Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 4.50% - 14.00%
Maximum APR: 16.04%
All loans quoted at 80% Loan to Value
As low as
Maximum APR: 15.39%
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Rates as low as 4.60%.
As Low As; Qualified buyers: Take 90 days to make your first payment.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. Used Vehicles: 2023-2024 model years.
As Low As; 2024 & newer; Vehicles with less than 20k miles
As Low As
As Low As
As Low As; Up to 5 Years old / 2021+; Up to $250,000
As Low As; Rates as low as 4.75% - 14.75%
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Maximum APR: 16.29%
As low as
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
As Low As; Qualified buyers: Take 90 days to make your first payment.
Credit Score: 730+ - A+; Max LTV: 100%
As Low As; Fixed Rate
As Low As
As Low As; Minimum Amount $2,000
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of June 10, 2026. Rates are subject to change without notice.
Rates are subject to change without notice. Loan approval is based on creditworthiness. Rates effective on 01/05/2026
Westbrook, TX Auto Loan Rate Trends
Compare local Westbrook, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas new auto rates rose 0.105 points over the past 7 days to 5.809% APR.
Texas used auto rates rose 0.004 points over the past 7 days to 5.454% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Westbrook, Texas auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Westbrook, Texas directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Westbrook, Texas. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in TX.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Westbrook, Texas
How does my credit score affect my car loan rate in Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Westbrook, Texas?
- HIGHWAY DISTRICT 21: 2.50% (Vehicle Loan)
- IBEW Local 66 Federal Credit Union: 2.95% (New Vehicles, New Automobile (NA) A+ (800)
- TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
- Lubrizol Employees Credit Union: 3.24% (New & Used Automobile)
- American Airlines Federal Credit Union: 3.34% (New Auto)
