Dallas, Texas Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Dallas, Texas auto loan rates range from 3.74% to 9.80% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Dallas, Texas include USE Federal Credit UnionUSE Federal Credit Union400 S Akard St, Dallas, TX, 75202 5324A+5.0 ★Texas Ratio: 0.79%Rate verified Nov 7, 2026 offering New & Used Autos at 3.74%, Navy Federal Credit UnionNavy Federal Credit Union6451 E Northwest Hwy Ste 120, Dallas, TX, 75231A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, Methodist Hospital Employees Federal Credit UnionMethodist Hospital Employees Federal Credit Union1441 N Beckley Ave, Dallas, TX, 75203 1201A5.0 ★Texas Ratio: 11.23%Rate verified Nov 7, 2026 offering New Vehicles New and 1 Year Old Loan at 4.32%, Neighborhood Credit UnionNeighborhood Credit Union13649 Montfort Dr, Dallas, TX, 75240 2521A5.0 ★Texas Ratio: 8.85%Rate verified Nov 9, 2026 offering New Auto Loan at 4.34%, Americas Credit UnionAmericas Credit Union4040 N Central Expy Ste 100, Dallas, TX, 75204A+5.0 ★Texas Ratio: 2.52%Rate verified Nov 9, 2026 offering New and Used Auto Loans at 4.40%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Dallas has 21 local institutions in our database, with auto loan rates as low as 3.74% APR from USE Federal Credit Union at 400 S Akard St, Dallas, TX, 75202 5324. 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 Dallas, Texas. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Dallas, Texas & Surrounding Area
Dallas Auto Loan Rates
As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low As
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Lowest advertised rate requires qualifying for applicable discounts; Minimum loan amount $10,000
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
As Low As; 60-Months, as low as 4.40% APR
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
5-Star member rates are 1% less for Auto loans
- Nov 3, 20264.49%▼ from 4.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
APR range: 4.49 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Term: 54 months or less refinance; As Low As; Refinance; Vehicle: 0-2 years old with fewer than 36,000 miles; Minimum loan amount $10,000
- Oct 19, 20264.49%▲ from 4.34%
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
Additional APR listed for this product: 4.87%, 5.17%, 5.37%, 5.87%. As Low As
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Minimum loan amount $10,000
- Oct 14, 20264.59%▼ from 5.39%
- Oct 1, 20265.39%▲ from 4.74%
- Sep 22, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
APR range: 4.64% - 18.00%
- Nov 3, 20264.64%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
APR range: 4.64% - 18.00%; APR* footnote on page
- Nov 3, 20264.64%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
APR range: 4.74% - 18.00%
- Nov 3, 20264.74%▲ from 4.69%
- Oct 26, 20264.69%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
APR range: 4.74% - 18.00%; APR* footnote on page
- Nov 3, 20264.74%▲ from 4.69%
- Oct 26, 20264.69%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
Term: 54 months or less refinance; As Low As; Refinance; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
- Oct 19, 20264.74%▲ from 4.59%
- Oct 14, 20264.59%first recorded
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
APR range: 4.75% - 18.00%; 3 tiers based on credit worthiness and down payment; maximum APR 18.00%; 72 month contract available for loans over $25,000; 84 month contract available for loans over $30,000; APR accurate as of January 12, 2026
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
5-Star member rates are 1% less for Auto loans
APR range 4.99% - 15.09%
- Oct 26, 20264.99%▼ from 5.15%
- Oct 10, 20265.15%first recorded
APR range: 4.99 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; Vehicle: 7+ years old; Minimum loan amount $10,000
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 9,000
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
Model Year: 2023-2026; Min. or Max. Amount: 9,000; Credit Tier A
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
APR range: 5.00% - 18.00%; 3 tiers based on credit worthiness and down payment; maximum APR 18.00%; 72 month contract available for loans over $25,000; 84 month contract available for loans over $30,000; APR accurate as of January 12, 2026
As Low As; No model older than 7 years old
As Low As; New Vehicles APR* as low as
APR range: 5.04% - 18.00%
- Nov 3, 20265.04%▲ from 4.99%
- Oct 26, 20264.99%▲ from 4.89%
- Oct 19, 20264.89%▲ from 3.99%
- Oct 10, 20263.99%first recorded
APR range: 5.04% - 18.00%; APR* footnote on page
- Nov 3, 20265.04%▲ from 4.99%
- Oct 26, 20264.99%▲ from 4.89%
- Oct 19, 20264.89%▲ from 3.99%
- Oct 10, 20263.99%first recorded
As Low As; Used Vehicles APR* as low as
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.09 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
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
APR range: 5.24% - 18.00%
- Nov 3, 20265.24%▲ from 5.19%
- Oct 19, 20265.19%▲ from 4.99%
- Oct 10, 20264.99%first recorded
APR range: 5.24% - 18.00%; APR* footnote on page
- Nov 3, 20265.24%▲ from 5.19%
- Oct 19, 20265.19%▲ from 4.99%
- Oct 10, 20264.99%first recorded
APR range: 5.24 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; No model older than 7 years old
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.29%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; New Vehicles APR* as low as
As Low As; New Vehicles APR* as low as; Loan Term 37 to 48 Months
APR range: 5.34 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; Vehicle: 7+ years old; Minimum loan amount $10,000
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
As Low As; No model older than 7 years old
As Low As; Terms up to 36 Months
As Low As; Used Vehicles APR* as low as
As Low As; Used Vehicles APR* as low as; Loan Term 37 to 48 Months
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.59%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Used Vehicles APR* as low as
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; New Vehicles APR* as low as
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.59%
- Sep 14, 20265.59%first recorded
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
As Low As; APR* as low as; Term matched from the 61 to 72 Months row of the Auto Loan Rates table on the page
As Low As; New Vehicles APR* as low as
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; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.79%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.69%
- Sep 14, 20265.69%first recorded
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%
As Low As; New Vehicles APR* as low as
As Low As; APR* as low as; Loan Term: 73 to 75 Months; Rates current as of 09/29/2026
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; Rates as of November 08, 2026
- Oct 10, 20265.89%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Amount Financed: Over $35,000
As Low As; New Vehicles APR* as low as
As Low As; APR as low as for new vehicles; Auto Loan Rates table; term not specified in source table
As Low As; APR* as low as; Term matched from the 61 to 72 Months row of the Auto Loan Rates table on the page
As Low As; Used Vehicles APR* as low as
As Low As; Terms up to 75 Months
APR range: 6.00% - 18.00%; 3 tiers based on credit worthiness and down payment; maximum APR 18.00%; 72 month contract available for loans over $25,000; 84 month contract available for loans over $30,000; APR accurate as of January 12, 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: $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 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
APR range: 6.14% - 18.00%
- Nov 3, 20266.14%▲ from 6.09%
- Oct 19, 20266.09%▲ from 5.99%
- Oct 10, 20265.99%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Minimum loan amount $10,000
- Oct 14, 20266.24%▲ from 5.99%
- Sep 22, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 15,000
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier A
As Low As; Used Vehicles APR* as low as
As Low As; Used Vehicles APR* as low as
As Low As; APR* as low as; Loan Term: 73 to 75 Months; Rates current as of 09/29/2026
- Oct 1, 20266.25%▲ from 5.91%
- Sep 18, 20265.91%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
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; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
As Low As; Rate shown for 79 to 84 Months term; Rates current as of 09/29/2026; Membership required
As Low As; New Vehicles APR* as low as
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
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; Receive a 0.20% APR discount when you purchase Greater Texas GAP and Auto Warranty!
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
Model Year: 2025-2026; Credit Tier B; Min. or Max. Amount: 15,000
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier B
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
Model Year: 2025-2026; Credit Tier C; Min. or Max. Amount: 15,000
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier C
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 20,000
Model Year: 2025-2026; Min. or Max. Amount: 20,000; Credit Tier A
As Low As; Minimum loan amount $10,000
Credit Tier: A; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: A; Model Year: 2020-2021; Subcode C
Credit Tier: A; Model Year: 2019-2021
Credit Tier: A; Model Year: 2019-2021
As Low As; Terms up to 84 Months
- Oct 1, 20266.85%▲ from 6.50%
- Sep 18, 20266.50%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!
As Low As; Minimum loan amount $10,000
- Oct 1, 20266.99%▲ from 6.24%
- Sep 22, 20266.24%▼ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Minimum loan amount $10,000
Credit Tier: B; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: B; Model Year: 2020-2021; Subcode C
Credit Tier: B; Model Year: 2019-2021
Credit Tier: B; Model Year: 2019-2021
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rate shown for 79 to 84 Months term; applies to used vehicles only; Rates current as of 09/29/2026; Membership required
As Low As; Used Vehicles APR* as low as
As Low As; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
Credit Tier: A; Model Year: 2017-2018; Min. or Max. Amount: not stated
Credit Tier: C; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: C; Model Year: 2020-2021; Subcode C
Credit Tier: C; Model Year: 2019-2021
Credit Tier: C; Model Year: 2019-2021
As Low As; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Credit Tier: B; Model Year: 2017-2018; Min. or Max. Amount: not stated
Credit Tier: C; Model Year: 2017-2018; Min. or Max. Amount: not stated
Model Year: 2025-2026; Credit Tier D; Min. or Max. Amount: 9,000
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2023-2026; Min. or Max. Amount: 9,000; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D; Min. or Max. Amount: 15,000
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier D
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
Dallas New Auto Auto Loan Rates
As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Refinance; New vehicles: 2025 and newer model years with under 7,500 miles or 7,500-30,000 miles
- Oct 20, 20264.19%▲ from 3.89%
- Sep 30, 20263.89%first recorded
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low As
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Lowest advertised rate requires qualifying for applicable discounts; Minimum loan amount $10,000
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
As Low As; 60-Months, as low as 4.40% APR
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- Oct 31, 20264.44%▲ from 4.09%
- Sep 30, 20264.09%first recorded
5-Star member rates are 1% less for Auto loans
- Nov 3, 20264.49%▼ from 4.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
APR range: 4.49 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Term: 54 months or less refinance; As Low As; Refinance; Vehicle: 0-2 years old with fewer than 36,000 miles; Minimum loan amount $10,000
- Oct 19, 20264.49%▲ from 4.34%
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Minimum loan amount $10,000
- Oct 14, 20264.59%▼ from 5.39%
- Oct 1, 20265.39%▲ from 4.74%
- Sep 22, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
APR range: 4.64% - 18.00%
- Nov 3, 20264.64%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
APR range: 4.74% - 18.00%
- Nov 3, 20264.74%▲ from 4.69%
- Oct 26, 20264.69%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
5-Star member rates are 1% less for Auto loans
APR range: 4.99 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 9,000
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
Model Year: 2025-2026; Credit Tier A
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
As Low As; No model older than 7 years old
As Low As; New Vehicles APR* as low as
APR range: 5.04% - 18.00%
- Nov 3, 20265.04%▲ from 4.99%
- Oct 26, 20264.99%▲ from 4.89%
- Oct 19, 20264.89%▲ from 3.99%
- Oct 10, 20263.99%first recorded
APR range: 5.09 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
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
APR range: 5.24% - 18.00%
- Nov 3, 20265.24%▲ from 5.19%
- Oct 19, 20265.19%▲ from 4.99%
- Oct 10, 20264.99%first recorded
APR range: 5.24 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; No model older than 7 years old
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.29%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; New Vehicles APR* as low as
As Low As; New Vehicles APR* as low as; Loan Term 37 to 48 Months
APR range: 5.34 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; No model older than 7 years old
As Low As; Terms up to 36 Months
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.59%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.39%
- Sep 14, 20265.39%first recorded
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; New Vehicles APR* as low as
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.59%
- Sep 14, 20265.59%first recorded
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
As Low As; APR* as low as; Term matched from the 61 to 72 Months row of the Auto Loan Rates table on the page
As Low As; New Vehicles APR* as low as
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.79%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.69%
- Sep 14, 20265.69%first recorded
As Low As; Terms up to 66 Months
As Low As; New Vehicles APR* as low as
As Low As; APR* as low as; Loan Term: 73 to 75 Months; Rates current as of 09/29/2026
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; Rates as of November 08, 2026
- Oct 10, 20265.89%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; Amount Financed: Over $35,000
As Low As; New Vehicles APR* as low as
As Low As; APR as low as for new vehicles; Auto Loan Rates table; term not specified in source table
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 as low as* for auto loan
- Oct 31, 20266.14%▲ from 5.99%
- Oct 22, 20265.99%first recorded
APR range: 6.14% - 18.00%
- Nov 3, 20266.14%▲ from 6.09%
- Oct 19, 20266.09%▲ from 5.99%
- Oct 10, 20265.99%first recorded
As Low As; Current year with less than 10,000 miles. Rates and terms may vary with model year.
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 15,000
As Low As; Advertised APR assumes excellent credit; New vehicles (2025 and newer, under 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Rates as of Nov 05, 2026 ET
As Low As; Effective: October 19, 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 15, 20266.34%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 15, 20266.39%first recorded
As Low As; Rate shown for 79 to 84 Months term; Rates current as of 09/29/2026; Membership required
As Low As; New Vehicles APR* as low as
As Low As; Effective: October 19, 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 15, 20266.44%first recorded
As Low As; Effective: October 19, 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 15, 20266.54%first recorded
Model Year: 2025-2026; Credit Tier B; Min. or Max. Amount: 15,000
Model Year: 2025-2026; Credit Tier C; Min. or Max. Amount: 15,000
Model Year: 2025-2026; Credit Tier A; Min. or Max. Amount: 20,000
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; Advertised APR assumes excellent credit; Minimum loan amount $30,000 for 84-96 months; Terms over 84 months only for vehicles with fewer than 7,500 miles; New vehicles (2025 and newer, under 30,000 miles); Rates as of Nov 05, 2026 ET
As Low As; New Vehicles: 2025 and newer model years with (a) under 7,500 miles, or (b) between 7,500 and 30,000 miles (late model used vehicles); Minimum loan amount is $30,000 for terms of 85-96 months; Rates as of Nov 05, 2026 ET
Model Year: 2025-2026; Credit Tier D; Min. or Max. Amount: 9,000
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D
Model Year: 2025-2026; Credit Tier D; Min. or Max. Amount: 15,000
Dallas Used Auto Auto Loan Rates
As Low As; Auto purchases only with a maximum term of 36 months; pre-approval rate; requires direct deposit with USE Federal Credit Union or ACH automatic payments; maximum LTV 80%
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; 60-Months, as low as 4.40% APR
5-Star member rates are 1% less for Auto loans
- Nov 3, 20264.49%▼ from 4.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
APR range: 4.49 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Additional APR listed for this product: 4.87%, 5.17%, 5.37%, 5.87%. As Low As
As Low As; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
APR range: 4.64% - 18.00%; APR* footnote on page
- Nov 3, 20264.64%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
APR range: 4.74% - 18.00%; APR* footnote on page
- Nov 3, 20264.74%▲ from 4.69%
- Oct 26, 20264.69%▲ from 4.59%
- Oct 19, 20264.59%▲ from 3.99%
- Oct 10, 20263.99%first recorded
Term: 54 months or less refinance; As Low As; Refinance; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
- Oct 19, 20264.74%▲ from 4.59%
- Oct 14, 20264.59%first recorded
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
As Low As; Vehicle: 3-6 years old or newer with more than 36,000 miles; Minimum loan amount $10,000
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
5-Star member rates are 1% less for Auto loans
APR range: 4.99 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Model Year: 2023-2026; Min. or Max. Amount: 9,000; Credit Tier A
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
Model Year: 2022-2026; Credit Tier A
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.99%▲ from 4.89%
- Sep 14, 20264.89%first recorded
APR range: 5.00% - 18.00%; 3 tiers based on credit worthiness and down payment; maximum APR 18.00%; 72 month contract available for loans over $25,000; 84 month contract available for loans over $30,000; APR accurate as of January 12, 2026
As Low As; No model older than 7 years old
APR range: 5.04% - 18.00%; APR* footnote on page
- Nov 3, 20265.04%▲ from 4.99%
- Oct 26, 20264.99%▲ from 4.89%
- Oct 19, 20264.89%▲ from 3.99%
- Oct 10, 20263.99%first recorded
As Low As; Used Vehicles APR* as low as
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
APR range: 5.09 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Used Auto Loans: current year with more than 10,000 miles and older models; rates and terms may vary with model year; best possible rates, based on credit qualifications
APR range: 5.24% - 18.00%; APR* footnote on page
- Nov 3, 20265.24%▲ from 5.19%
- Oct 19, 20265.19%▲ from 4.99%
- Oct 10, 20264.99%first recorded
APR range: 5.24 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
As Low As; No model older than 7 years old
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.29%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.19%
- Sep 14, 20265.19%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
APR range: 5.34 - 17.99%; Actual rates and terms may vary based on credit score; Additional discounts may be available; Fees may increase APR
Term: 2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up to 48 months; As Low As; Model year tiers: 2025 and newer up to 72 months, 2022 - 2024 up to 60 months, 2021 and older up to 48 months; pre-approval rate; maximum LTV 80%
- Oct 4, 20265.49%▲ from 5.24%
- Sep 25, 20265.24%first recorded
As Low As; No model older than 7 years old
As Low As; Used Vehicles APR* as low as
As Low As; Used Vehicles APR* as low as; Loan Term 37 to 48 Months
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.59%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.39%
- Sep 14, 20265.39%first recorded
As Low As; Used Vehicles APR* as low as
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.69%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.59%
- Sep 14, 20265.59%first recorded
5-Star member rates are 1% less for Auto loans
- Nov 3, 20265.79%▲ from 4.99%
- Oct 9, 20264.99%▼ from 5.69%
- Sep 14, 20265.69%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; Rates as of November 08, 2026
- Oct 10, 20265.89%▲ from 5.79%
- Sep 14, 20265.79%first recorded
As Low As; APR* as low as; Term matched from the 61 to 72 Months row of the Auto Loan Rates table on the page
As Low As; Used Vehicles APR* as low as
APR range: 6.00% - 18.00%; 3 tiers based on credit worthiness and down payment; maximum APR 18.00%; 72 month contract available for loans over $25,000; 84 month contract available for loans over $30,000; APR accurate as of January 12, 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 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
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier A
As Low As; Used Vehicles APR* as low as
As Low As; Used Vehicles APR* as low as
As Low As; APR* as low as; Loan Term: 73 to 75 Months; Rates current as of 09/29/2026
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
Model Year: 2016 - 2026
- Oct 14, 20266.29%▼ from 6.34%
- Sep 18, 20266.34%first recorded
Model Year: 2018 - 2026
- Oct 14, 20266.34%▼ from 6.39%
- Sep 18, 20266.39%first recorded
Model Year: 2022 - 2026
- Oct 14, 20266.39%▼ from 6.44%
- Sep 18, 20266.44%first recorded
As Low As; APR as low as* for auto loan
- Oct 31, 20266.39%▲ from 6.24%
- Oct 22, 20266.24%first recorded
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier B
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier C
Model Year: 2025-2026; Min. or Max. Amount: 20,000; Credit Tier A
Credit Tier: A; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: A; Model Year: 2020-2021; Subcode C
Credit Tier: A; Model Year: 2019-2021
Credit Tier: A; Model Year: 2019-2021
Credit Tier: B; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: B; Model Year: 2020-2021; Subcode C
Credit Tier: B; Model Year: 2019-2021
Credit Tier: B; Model Year: 2019-2021
As Low As; Advertised APR assumes excellent credit; Used vehicles (2024 and older model years or over 30,000 miles); Preapprovals good for 90 days; Exclusive rate discount for Active Duty and retired military; Rates as of Nov 05, 2026 ET
As Low As; Used Vehicles: 2024 and older model years or any model year with over 30,000 miles; Rates as of Nov 05, 2026 ET
As Low As; 2024 and older model years or any model year with over 30,000 miles; Credit and collateral subject to approval
As Low As; Rate shown for 79 to 84 Months term; applies to used vehicles only; Rates current as of 09/29/2026; Membership required
As Low As; Used Vehicles APR* as low as
Credit Tier: A; Model Year: 2017-2018; Min. or Max. Amount: not stated
Credit Tier: C; Model Year: 2021; Min or Max Amount: 9,000
Credit Tier: C; Model Year: 2020-2021; Subcode C
Credit Tier: C; Model Year: 2019-2021
Credit Tier: C; Model Year: 2019-2021
Credit Tier: B; Model Year: 2017-2018; Min. or Max. Amount: not stated
Credit Tier: C; Model Year: 2017-2018; Min. or Max. Amount: not stated
Model Year: 2023-2026; Min. or Max. Amount: 9,000; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2022-2026; Credit Tier D
Model Year: 2024-2026; Min. or Max. Amount: 15,000; Credit Tier D
Dallas, TX Auto Loan Rate Trends
Compare local Dallas, 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.
Dallas, 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 Dallas, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Dallas, 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 Dallas, 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: Dallas, Texas CD rates lock in a guaranteed return until you’re ready to buy
Dallas, 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 15.9% of the median individual income in Dallas, 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, Texas
What are auto loan rates in Dallas, Texas today?
How does my credit score affect my car loan rate in Dallas, 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 Dallas, 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 Dallas, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Dallas, Texas?
- USE Federal Credit Union: 3.74% (New & Used Autos)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- Methodist Hospital Employees Federal Credit Union: 4.32% (New Vehicles New and 1 Year Old Loan)
- Neighborhood Credit Union: 4.34% (New Auto Loan)
- Americas Credit Union: 4.40% (New and Used Auto Loans)
Dallas, Texas Rates & Resources
