Austin, Texas Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Austin, Texas auto loan rates range from 3.99% to 14.24% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Austin, Texas include Austin Federal Credit UnionAustin Federal Credit Union1900 Woodward St, Austin, TX, 78741A5.0 ★Texas Ratio: 6.28%Rate verified Nov 7, 2026 offering Used Vehicle Loan at 3.99%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 1.16%Rate verified Nov 7, 2026 offering New Auto Loan at 3.99%, Members Choice Credit UnionMembers Choice Credit Union4100 Smith School Rd # 1, Austin, TX, 78744 3205A5.0 ★Texas Ratio: 7.07%Rate verified Nov 9, 2026 offering New Auto Loan at 3.99%, Travis County Credit UnionTravis County Credit Union1101 N Interstate 35, Austin, TX, 78702 1901A5.0 ★Texas Ratio: 12.45%Rate verified Nov 9, 2026 offering Motor Vehicle New and Used Loan at 3.99%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.21%Rate verified Nov 9, 2026 offering Auto Loan - up to 36 months at 3.99%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Austin has 24 local institutions in our database, with auto loan rates as low as 3.99% APR from Austin Federal Credit Union at 1900 Woodward St, Austin, TX, 78741. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Austin, Texas. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Austin, Texas & Surrounding Area
Austin Auto Loan Rates
APR range: 3.99% to 14.55%
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20263.99%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As Low As; Rates shown include standard rate discounts; Approximate Term: 12 - 36 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20263.99%▲ from 3.49%
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; APR shown as low as 3.99%*; *3.99% on new loans, not eligible for in-house refinance
As Low As; APR applies to well-qualified borrowers
Up to $250,000; As Low As
- Oct 5, 20264.24%▼ from 4.25%
- Sep 17, 20264.25%first recorded
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Additional APR listed for this product: 4.50%. Up to $250,000; As Low As
Risk Tier: A+ (credit score 720+); Max term new to 2023: 78 Months; Rates effective June 1, 2026
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; 100% Financing including TT&L
As Low As
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Additional APR listed for this product: 4.75%. Up to $250,000; As Low As
As Low As; 100% Financing including TT&L
As Low As; APR as low as 4.59%
As Low As; 100% Financing including TT&L
APR range by credit score: 4.74% to 15.30%; Minimum Loan Amount: < $20,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
APR range: 4.74% to 15.30%; Minimum loan amount: < $20,000
APR range: 4.74% to 16.90%
APR range: 4.74% to 16.90%
As Low As
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Additional APR listed for this product: 5.25%. Up to $250,000; As Low As
- Sep 17, 20264.75%▼ from 5.25%
- Sep 14, 20265.25%first recorded
Risk Tier: A+ (credit score 720+); Max term 2022 to 2020: 66 Months; Rates effective June 1, 2026
As Low As; 100% Financing including TT&L
As Low As; APR as low as 4.79%
APR range by credit score: 4.99% to 17.15%; Minimum Loan Amount: $20,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
APR range: 4.99% to 17.15%; Minimum loan amount: $20,000+; Monthly payment per $1000 not extracted
As Low As
As Low As
Max loan: 110% of price; APR available range: 4.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Risk Tier: A+ (credit score 720+); Max term 2019 to 2018: 63 Months; Rates effective June 1, 2026
As Low As; Rate range: 5.09% - 12.24%; 100% of MSRP; Rates effective 6-1-2026; restrictions apply to 84 month term
As Low As; APR as low as 5.09%
As Low As; APR applies to well-qualified borrowers
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20265.24%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
As Low As
Credit Grade: Excellent Credit
- Oct 10, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
APR range: 5.24% - 14.74%; Minimum Loan Amount: $5,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
Risk Tier: A (credit score 680-719); Max term new to 2023: 78 Months; Rates effective June 1, 2026
As Low As; APR as low as 5.29%
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; APR applies to well-qualified borrowers
As Low As; Featured rate
Credit Grade: Excellent Credit
- Oct 10, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Max loan: 110% of price; APR available range: 5.49% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
APR range: 5.49% - 14.99%; Minimum Loan Amount: $15,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
Published APR range: 5.49% - 15.24%. Minimum loan amount: $5,000; Effective date: 10/30/2026
Risk Tier: A (credit score 680-719); Max term 2022 to 2020: 66 Months; Rates effective June 1, 2026
- Sep 18, 20265.50%▲ from 4.75%
- Sep 14, 20264.75%first recorded
Risk Tier: A+ (credit score 720+); Rates effective June 1, 2026
As Low As; Terms up to 36 Months
As Low As; APR range 5.54%-6.49%; Rates effective as of November 1, 2026; New or used vehicle, or refinance
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 6 to 7 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20265.64%▲ from 5.14%
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
As Low As; APR applies to well-qualified borrowers
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
APR range by credit score: 5.74% to 7.94%; Minimum Loan Amount: $35,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
As Low As
Credit Grade: Excellent Credit
- Oct 10, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 6 to 7 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 8 to 10 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
Published APR range: 5.74% - 15.49%. Minimum loan amount: $15,000; Effective date: 10/30/2026
Up to $250,000; As Low As; Qualifying rate - Conditions apply
- Oct 5, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
Additional APR listed for this product: 5.99%. Up to $250,000; As Low As
- Oct 5, 20265.75%▼ from 5.99%
- Sep 14, 20265.99%first recorded
Risk Tier: A (credit score 680-719); Max term 2019 to 2018: 63 Months; Rates effective June 1, 2026
APR As Low As; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Rates Effective as of 07/1/2026
As Low As; Terms up to 66 Months
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20265.89%▲ from 5.39%
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates shown include standard rate discounts; Approximate Term: 37 - 60 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Grade: Good Credit
- Oct 10, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Grade: Excellent Credit
- Oct 10, 20265.99%▲ from 5.74%
- Sep 18, 20265.74%▼ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Model year: 2019 & older (7 yrs +); Rate range: 5.99% - 13.49%; Rates effective 6-1-2026
APR range: 5.99% - 15.49%; Minimum Loan Amount: $25,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
As Low As; Terms up to 75 Months
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; APR applies to well-qualified borrowers
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2023-2022
Credit Grade: Good Credit
- Oct 10, 20266.24%▲ from 5.99%
- Sep 14, 20265.99%first recorded
Max loan: 100% of price; APR available range: 6.24% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; Rate range: 6.24% - 12.74%; 100% of MSRP; Rates effective 6-1-2026
Published APR range: 6.24% - 15.74%. Minimum loan amount: $25,000; Effective date: 10/30/2026
APR range: 6.25% - 13.85%
- Oct 26, 20266.25%▲ from 6.00%
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20266.25%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rates shown include standard rate discounts; Approximate Term: 61 - 72 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20266.25%▲ from 5.74%
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Risk Tier: B (credit score 660-679); Max term new to 2023: 78 Months; Rates effective June 1, 2026
- Sep 18, 20266.25%▲ from 5.25%
- Sep 14, 20265.25%first recorded
Risk Tier: A (credit score 680-719); Rates effective June 1, 2026
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; APR as low as 6.29%
APR As Low As; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Rates Effective as of 07/1/2026
As Low As; APR as low as* for auto loan
- Oct 31, 20266.39%▲ from 6.24%
- Oct 22, 20266.24%first recorded
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty!
Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20266.49%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Up to APR: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Up to APR: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Up to APR: 18.000%
- Oct 12, 20266.49%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; 100% Financing including TT&L
APR range: 6.49% - 14.10%
- Oct 26, 20266.49%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Rates shown include standard rate discounts; Approximate Term: 73 - 84 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Sep 27, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Credit Grade: Good Credit
- Oct 10, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model year: 2020 - 2021 (5-6 yrs); Rate range: 6.49% - 13.99%; Rates effective 6-1-2026
APR As Low As; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty! Rates Effective as of 07/1/2026
Credit Tier: Excellent; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Risk Tier: B (credit score 660-679); Max term 2022 to 2020: 66 Months; Rates effective June 1, 2026
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
APR range: 6.74% - 12.73%
- Oct 26, 20266.74%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Credit Grade: Good Credit
- Oct 10, 20266.74%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Rate range: 6.74% - 13.24%; 100% of MSRP; Rates effective 6-1-2026
As Low As; Model year: 2022- 2025 (1-4 yrs); Rate range: 6.74% - 14.24%; Rates effective 6-1-2026
As Low As; Up to APR: 18.000%
- Oct 12, 20266.75%▼ from 18.00%
- Oct 8, 202618.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Up to $250,000; As Low As; Qualifying rate - Conditions apply
- Oct 5, 20266.75%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Risk Tier: B (credit score 660-679); Max term 2019 to 2018: 63 Months; Rates effective June 1, 2026
As Low As; Model Year: 2018-2017
As Low As; Model Year: 2018-2017
As Low As; Terms up to 84 Months
Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20266.89%▲ from 5.14%
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.89%▲ from 6.74%
- Oct 22, 20266.74%first recorded
As Low As; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty!
Credit Grade: Average Credit
- Oct 10, 20266.99%▲ from 6.74%
- Sep 14, 20266.74%first recorded
As Low As; Model year: 2026 (current yr used); Rate range: 6.99% - 14.49%; Rates effective 6-1-2026
Credit Tier: Excellent; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Credit Tier: Average; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20267.14%▲ from 5.39%
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Grade: Average Credit
- Oct 10, 20267.24%▲ from 6.99%
- Sep 14, 20266.99%first recorded
As Low As; Rate range: 7.24% - 8.24%; 100% of MSRP; Rates effective 6-1-2026; restrictions apply
Credit Tier: Good; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 14, 20267.25%▲ from 6.50%
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Published APR range: 7.49% - 8.49%. As Low As; Vehicle Loans
Credit Grade: Average Credit
- Oct 10, 20267.49%▲ from 7.24%
- Sep 14, 20267.24%first recorded
As Low As; Model year: 2026 (current yr used); Rate range: 7.49% - 8.99%; Restrictions apply; Rates effective 6-1-2026
Credit Grade: Average Credit
- Oct 10, 20267.74%▲ from 7.49%
- Sep 14, 20267.49%first recorded
Credit Tier: Good; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 14, 20267.75%▲ from 7.00%
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Risk Tier: C (credit score 640-659); Max term new to 2023: 78 Months; Rates effective June 1, 2026
Credit Tier: Average; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 14, 20268.25%▲ from 6.50%
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20268.39%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20268.64%▲ from 5.14%
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
Credit Tier: Average; Loan documentation fee of $175 assessed at closing; Term restrictions may apply
- Oct 14, 20268.75%▲ from 7.00%
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
Risk Tier: C (credit score 640-659); Max term 2022 to 2020: 66 Months; Rates effective June 1, 2026
Credit Tier: Fair; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20268.89%▲ from 5.39%
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
Credit Grade: Fair Credit
- Oct 10, 20269.24%▲ from 8.99%
- Sep 14, 20268.99%first recorded
Credit Grade: Fair Credit
- Oct 10, 20269.49%▲ from 9.24%
- Sep 14, 20269.24%first recorded
Risk Tier: C (credit score 640-659); Max term 2019 to 2018: 63 Months; Rates effective June 1, 2026
Credit Grade: Fair Credit
- Oct 10, 20269.99%▲ from 9.74%
- Sep 14, 20269.74%first recorded
Credit Grade: Fair Credit
- Oct 10, 202610.99%▲ from 10.74%
- Sep 14, 202610.74%first recorded
Risk Tier: D (credit score 600-639); Max term new to 2023: 78 Months; Rates effective June 1, 2026
Credit Grade: Marginal Credit
- Oct 10, 202612.74%▲ from 12.49%
- Sep 14, 202612.49%first recorded
Credit Grade: Marginal Credit
- Oct 10, 202612.99%▲ from 12.74%
- Sep 14, 202612.74%first recorded
Risk Tier: D (credit score 600-639); Max term 2022 to 2020: 66 Months; Rates effective June 1, 2026
Credit Tier: Marginal; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 202614.15%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Grade: Marginal Credit
- Oct 10, 202614.24%▲ from 13.99%
- Sep 14, 202613.99%first recorded
Austin New Auto Auto Loan Rates
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20263.99%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; APR applies to well-qualified borrowers
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; 100% Financing including TT&L
As Low As
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; 100% Financing including TT&L
As Low As; 100% Financing including TT&L
APR range by credit score: 4.74% to 15.30%; Minimum Loan Amount: < $20,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
As Low As
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; 100% Financing including TT&L
APR range by credit score: 4.99% to 17.15%; Minimum Loan Amount: $20,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
As Low As
Max loan: 110% of price; APR available range: 4.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; Rate range: 5.09% - 12.24%; 100% of MSRP; Rates effective 6-1-2026; restrictions apply to 84 month term
As Low As; APR applies to well-qualified borrowers
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As
APR range: 5.24% - 14.74%; Minimum Loan Amount: $5,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; APR applies to well-qualified borrowers
Max loan: 110% of price; APR available range: 5.49% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
APR range: 5.49% - 14.99%; Minimum Loan Amount: $15,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
As Low As; Terms up to 36 Months
As Low As; APR range 5.54%-6.49%; Rates effective as of November 1, 2026; New or used vehicle, or refinance
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; APR applies to well-qualified borrowers
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Rates from 5.70% APR for 84 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $50,000, maximum loan $150,000; example loan $50,000 for 84 months at $721.11/month
APR range by credit score: 5.74% to 7.94%; Minimum Loan Amount: $35,000; Term restrictions apply; Rates available for current and previous model years with less than 5,000 miles at purchase; 0.25% discount for online application; additional 0.25% discount when primary applicant has had an active checking account for at least 90 days
As Low As
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
Up to $250,000; As Low As; Qualifying rate - Conditions apply
- Oct 5, 20265.75%▲ from 5.50%
- Sep 14, 20265.50%first recorded
As Low As; Terms up to 66 Months
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20265.89%▲ from 5.74%
- Oct 22, 20265.74%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
APR range: 5.99% - 15.49%; Minimum Loan Amount: $25,000; Example Payment Per $1000 not stored; Effective Date: 10/30/2026; Interest rate varies by approved credit; higher APRs apply to refinances, private party sales and other loans where Tech CU handles title work; lower APRs apply to loans with less than 90% LTV
As Low As; Terms up to 75 Months
Financing amount: $45,000; For online applicants with an excellent credit history
- Oct 31, 20266.09%▲ from 6.04%
- Oct 26, 20266.04%▼ from 6.24%
- Oct 14, 20266.24%first recorded
APR based on 60 months and $45,000 financing; for online applicants with excellent credit; new car purchase
- Oct 31, 20266.09%▼ from 6.24%
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
As Low As; APR applies to well-qualified borrowers
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2023-2022
Max loan: 100% of price; APR available range: 6.24% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; Rate range: 6.24% - 12.74%; 100% of MSRP; Rates effective 6-1-2026
APR range: 6.25% - 13.85%
- Oct 26, 20266.25%▲ from 6.00%
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20266.25%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; 100% Financing including TT&L
APR range: 6.49% - 14.10%
- Oct 26, 20266.49%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Rates shown include standard rate discounts.
- Nov 3, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; with Member Rewards; Lowest APR includes a Member Rewards discount of 0.25%; 100% financing available to qualified borrowers
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
APR range: 6.74% - 12.73%
- Oct 26, 20266.74%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Rate range: 6.74% - 13.24%; 100% of MSRP; Rates effective 6-1-2026
Up to $250,000; As Low As; Qualifying rate - Conditions apply
- Oct 5, 20266.75%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; Model Year: 2018-2017
As Low As; Model Year: 2018-2017
As Low As; Terms up to 84 Months
As Low As; APR as low as* for auto loan
- Oct 31, 20266.89%▲ from 6.74%
- Oct 22, 20266.74%first recorded
As Low As; Rate range: 7.24% - 8.24%; 100% of MSRP; Rates effective 6-1-2026; restrictions apply
Austin Used Auto Auto Loan Rates
APR range: 3.99% to 14.55%
As Low As; Rates shown include standard rate discounts; Approximate Term: 12 - 36 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20263.99%▲ from 3.49%
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Max loan: 110% of price; APR available range: 3.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; APR applies to well-qualified borrowers
Up to $250,000; As Low As
- Oct 5, 20264.24%▼ from 4.25%
- Sep 17, 20264.25%first recorded
Additional APR listed for this product: 4.50%. Up to $250,000; As Low As
As Low As; 100% Financing including TT&L
As Low As
Additional APR listed for this product: 4.75%. Up to $250,000; As Low As
As Low As; 100% Financing including TT&L
As Low As; 100% Financing including TT&L
APR range: 4.74% to 15.30%; Minimum loan amount: < $20,000
APR range: 4.74% to 16.90%
APR range: 4.74% to 16.90%
As Low As
Additional APR listed for this product: 5.25%. Up to $250,000; As Low As
- Sep 17, 20264.75%▼ from 5.25%
- Sep 14, 20265.25%first recorded
As Low As; 100% Financing including TT&L
APR range: 4.99% to 17.15%; Minimum loan amount: $20,000+; Monthly payment per $1000 not extracted
As Low As
Max loan: 110% of price; APR available range: 4.99% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
As Low As; APR applies to well-qualified borrowers
As Low As
As Low As
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; APR applies to well-qualified borrowers
Max loan: 110% of price; APR available range: 5.49% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Published APR range: 5.49% - 15.24%. Minimum loan amount: $5,000; Effective date: 10/30/2026
As Low As; APR range 5.54%-6.49%; Rates effective as of November 1, 2026; New or used vehicle, or refinance
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 6 to 7 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; APR applies to well-qualified borrowers
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 6 to 7 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Vehicle age: 8 to 10 year old models; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
Published APR range: 5.74% - 15.49%. Minimum loan amount: $15,000; Effective date: 10/30/2026
Additional APR listed for this product: 5.99%. Up to $250,000; As Low As
- Oct 5, 20265.75%▼ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; Rates shown include standard rate discounts; Approximate Term: 37 - 60 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20265.99%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Model year: 2019 & older (7 yrs +); Rate range: 5.99% - 13.49%; Rates effective 6-1-2026
As Low As; Rates from 6.05% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $25,000 for 72 months at $412.42/month; eligible model years 2023-2026
Financing amount: $30,000; For online applicants with an excellent credit history
- Oct 26, 20266.09%▼ from 6.29%
- Oct 14, 20266.29%first recorded
APR based on 60 months and $30,000 financing; for online applicants with excellent credit; used car purchase
- Oct 31, 20266.09%▼ from 6.29%
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
As Low As; APR applies to well-qualified borrowers
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2023-2022
Max loan: 100% of price; APR available range: 6.24% to 17.74%; Footnote 2: selling price on New includes tax, title, and license; loan amount may not exceed NADA Retail Value on used
Published APR range: 6.24% - 15.74%. Minimum loan amount: $25,000; Effective date: 10/30/2026
APR range: 6.25% - 13.85%
- Oct 26, 20266.25%▲ from 6.00%
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Rates shown include standard rate discounts; Approximate Term: 61 - 72 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Nov 3, 20266.25%▲ from 5.74%
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2024
As Low As; APR as low as* for auto loan
- Oct 31, 20266.39%▲ from 6.24%
- Oct 22, 20266.24%first recorded
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
As Low As; 100% Financing including TT&L
APR range: 6.49% - 14.10%
- Oct 26, 20266.49%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Model Year: 2024
As Low As; Model Year: 2023-2022
As Low As; Rates shown include standard rate discounts; Approximate Term: 73 - 84 months; For vehicles with mileage above 50,000, a rate increase of .50% will apply
- Sep 27, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As Low As; Model year: 2020 - 2021 (5-6 yrs); Rate range: 6.49% - 13.99%; Rates effective 6-1-2026
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; Model Year: 2021
As Low As; Model Year: 2020-2019
As Low As; Vehicle age: Current year to 5 years old; APR with Member Rewards (lowest APR includes 0.25% Member Rewards discount)
As Low As; Model Year: 2025 and Newer
As Low As; Model Year: 2025 and Newer
APR range: 6.74% - 12.73%
- Oct 26, 20266.74%▲ from 6.24%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As Low As; Model year: 2022- 2025 (1-4 yrs); Rate range: 6.74% - 14.24%; Rates effective 6-1-2026
As Low As; Model Year: 2018-2017
As Low As; Model Year: 2018-2017
As Low As; Model year: 2026 (current yr used); Rate range: 6.99% - 14.49%; Rates effective 6-1-2026
As Low As; Model year: 2026 (current yr used); Rate range: 7.49% - 8.99%; Restrictions apply; Rates effective 6-1-2026
Austin, TX Auto Loan Rate Trends
Compare local Austin, 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 0.044 points over the past 7 days to 5.269% APR.
Texas used auto rates rose 0.037 points over the past 7 days to 5.735% APR.
Austin, TX Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.27% APR TX average | Used Auto @ 5.73% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.92/mo | $288.14/mo | $3.22/mo |
| $25,000 | $474.87/mo | $480.24/mo | $5.37/mo |
| $35,000 | $664.82/mo | $672.34/mo | $7.51/mo |
| $45,000 | $854.77/mo | $864.43/mo | $9.66/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Austin, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Austin, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Austin, Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Austin, Texas CD rates lock in a guaranteed return until you’re ready to buy
Austin, Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 12.6% of the median individual income in Austin, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Austin, Texas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Austin, Texas. We’ve prefilled the APR with today’s TX new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Austin, 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 Austin, 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 Austin, 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.
Bad Credit Auto Loans in Austin, Texas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Austin, Texas
What are auto loan rates in Austin, Texas today?
How does my credit score affect my car loan rate in Austin, Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Austin, Texas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Austin, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Austin, Texas?
- Austin Federal Credit Union: 3.99% (Used Vehicle Loan)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan)
- Members Choice Credit Union: 3.99% (New Auto Loan)
- Travis County Credit Union: 3.99% (Motor Vehicle New and Used Loan)
- Capitol Credit Union: 3.99% (Auto Loan - up to 36 months)
Austin, Texas Rates & Resources
