Fort Worth, Texas Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Fort Worth, Texas auto loan rates range from 2.00% to 16.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Fort Worth, Texas include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionAmerican Airlines Credit Union, Fort Worth, TX, 76155A+5.0 ★Texas Ratio: 2.87%Rate verified Nov 7, 2026 offering New Auto at 3.34%, FedEx Employees Credit Association Federal Credit UnionFedEx Employees Credit Association Federal Credit Union2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311A+5.0 ★Texas Ratio: 3.13%Rate verified Nov 7, 2026 offering New Auto Loan - Up to 36 months at 3.99%, Navy Federal Credit UnionNavy Federal Credit Union1765 Military Pkwy, Fort Worth, TX, 76127A5.0 ★Texas Ratio: 8.14%Rate verified Nov 5, 2026 offering MissionAssistTM Auto - New Auto Loan at 4.19%, First Command BankFirst Command Bank1 Firstcomm Plz, Fort Worth, TX, 76109A+5.0 ★Texas Ratio: 0.36%Rate verified Nov 6, 2026 offering New Auto Loan at 4.49%, Unity One Credit UnionUnity One Credit Union6701 Burlington Blvd, Fort Worth, TX, 76131A5.0 ★Texas Ratio: 6.22%Rate verified Nov 9, 2026 offering Auto Loan at 4.49%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Fort Worth has 16 local institutions in our database, with auto loan rates as low as 3.34% APR from American Airlines Federal Credit Union at American Airlines Credit Union, Fort Worth, TX, 76155. 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 Fort Worth, Texas. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Fort Worth, Texas & Surrounding Area
Fort Worth Auto Loan Rates
As Low As
As Low As
As Low As; NEW Auto Loan Rates
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; 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
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
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
As Low As; Models 2020 and Newer; Must qualify for the lowest rate
Available for 2023 and newer models; Terms from 24 to 72 Months; Rate includes .25% discount if you sign up for an auto-draft from a First Financial account
As Low As; NEW Auto Loan Rates
As Low As; USED Auto Loan Rates
Effective 10-1-2026; APR includes 0.25% automatic payment discount and 0.25% payment protection discount
Effective 10-1-2026; APR includes 0.25% automatic payment discount and 0.25% payment protection discount
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 10-1-2026; APR includes 0.25% automatic payment discount and 0.25% payment protection discount
Available for 2021-2022 models; Terms from 24 to 72 Months; Rate includes .25% discount if you sign up for an auto-draft from a First Financial account
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
APR Without Discount; New and Used auto rates and restrictions apply
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
Credit Grade: A; Rates quoted as APR
As Low As; USED Auto Loan Rates
Published APR range: 4.99%-12.24%. Maximum Loan: 100% of Purchase Price; Ask for Details
Published APR range: 5.00%-15.25%. Risk-based APR range; does not include available discounts
Effective 10-1-2026; APR includes 0.25% automatic payment discount and 0.25% payment protection discount
Effective 10-1-2026
Effective 10-1-2026
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; Models 2020 and Newer; Must qualify for the lowest rate
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; 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 Grade: A; Rates quoted as APR
Published APR range: 5.25%-15.50%. Risk-based APR range; does not include available discounts
Effective 10-1-2026
As Low As; Models 2022 and Newer; Must qualify for the lowest rate
Published APR range: 5.34%-12.04%. Maximum Loan: 100% of Purchase Price; Ask for Details
APR Without Discount; New and Used auto rates and restrictions apply
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
Credit Grade: A; Rates quoted as APR
As Low As; NEW Auto Loan Rates
Effective 10-1-2026
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; 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; 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; 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
Credit Grade: A; Rates quoted as APR
Effective 10-1-2026; APR includes 0.25% automatic payment discount and 0.25% payment protection discount
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
As Low As; Models 2022 and Newer; Must qualify for the lowest rate
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 effective as of 9/25/2025
As Low As; Rates effective as of 9/25/2025
APR Without Discount; New and Used auto rates and restrictions apply
As Low As; USED Auto Loan Rates
As Low As; Models 2022 and Newer; Must qualify for the lowest rate
Credit Grade: A; Rates quoted as APR
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; Rates effective as of 9/25/2025
As Low As; Minimum APR; Discounts for recurring direct deposits of $500 or more
Effective 10-1-2026
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; 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
As Low As; Rates effective as of 9/25/2025
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; 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; 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
Credit Grade: A; Rates quoted as APR
As Low As; NEW Auto Loan Rates
APR range 6.75% - 11.99%; Trucks up to 3/4 ton included; Amount $20,000 - $100,000
Credit Grade: B; Rates quoted as APR
As Low As; USED Auto Loan Rates
Credit Grade: B; Rates quoted as APR
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; Rates as of Nov 05, 2026 ET
As Low As; Rates as of Nov 05, 2026 ET
Published APR range: 7.49%-14.49%. Maximum Loan: 100% of Purchase Price; Ask for Details
Credit Grade: B; Rates quoted as APR
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
As Low As; Rates effective as of 9/25/2025
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Published APR range: 9.50% - 17.00%. Risk-based APR range; does not include available discounts
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $25,000 minimum amount financed
As Low As; Rates as of Nov 05, 2026 ET; $30,000 minimum amount financed
As Low As; Models 2019 (Used)
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: D; Rates quoted as APR; source prints rate without % sign
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Monthly Payments; APR Type: Fixed
Model Year: 2026; NEW, USED, OR PROGRAM VEHICLES
As Low As; Rate shown as APR; asterisk footnote: APR based on credit application characteristics
Grade: A+ (800+); Score based on TRANSUNION - TruVision Credit Report
As Low As; Pre-Owned (Used) Automobile; Rates as low as 2.95% APR*
Model Year: 2026, 2025, 2024; New, Used, or Program Vehicles
Credit score 700 minimum
As Low As; APR*
New & Used Automobile; APR range 3.24% - 14.49%; 61 Mo to 72 Mo 4.99% - 15.24% APR (financing over $30K); 72 Mo to 84 Mo 5.79% - 15.99% APR (financing over $30K + 10% down payment required)
APR range: 3.24% - 14.49%; Lowest rate listed includes all available discounts
Range: 3.39% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; APR Type: Fixed
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
As Low As; APR range: 3.50% - 15.75%; Lowest rate includes 1% discount available
APR range: 3.54% to 18.00%; APR Type: Fixed
- Oct 15, 20263.54%▲ from 3.47%
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Credit Grade: A+
- Oct 22, 20263.59%▲ from 3.47%
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Term: 36-months to 72-months; APR range: 3.61% to 15.96%; Used vehicle loan rates are based on vehicles 10 years or newer; 72-month term is for vehicle/recreational over $40,000; New vehicles are loans on vehicles never titled
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
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; Fewer than 7,500 miles
As Low As; Fewer than 100,000 miles
As Low As; APR Type: Fixed
As Low As; Payment Description: up to $10,000; APR Type: Fixed
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
Credit Grade: A
- Oct 22, 20263.81%▼ from 3.97%
- Oct 5, 20263.97%▲ from 3.47%
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
Credit Grade: A+
- Oct 22, 20263.81%▼ from 3.97%
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20263.84%▲ from 3.64%
- Sep 22, 20263.64%first recorded
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $10,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
Range: 3.89% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $20,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
APR range: 3.94% - 14.00%; Limits: 100% Financing; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Rate shown as APR
Grade: A+ (800+); Score based on TRANSUNION - TruVision Credit Report
Grade: A (720-799); Score based on TRANSUNION - TruVision Credit Report
- Oct 23, 20263.95%▲ from 2.95%
- Sep 17, 20262.95%first recorded
As Low As; Pre-Owned (Used) Automobile
Term: Up to 36 months - 84 months; Range: 3.97% - 15.72% APR (summary card; low end stored)
- Nov 5, 20263.97%▲ from 3.79%
- Oct 10, 20263.79%▲ from 3.43%
- Sep 14, 20263.43%first recorded
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $35,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
Fixed rate; repo vehicle loan
As Low As; Rates and terms determined by borrower's credit qualifications
- Oct 23, 20263.99%▼ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Rates and terms determined by borrower's credit qualifications
- Oct 23, 20263.99%▼ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Rates and terms determined by borrower's credit qualifications
- Oct 23, 20263.99%▼ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Rates and terms determined by borrower's credit qualifications
- Oct 23, 20263.99%▼ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; Rates and terms determined by borrower's credit qualifications
- Oct 23, 20263.99%▼ from 4.49%
- Sep 16, 20264.49%first recorded
As Low As; APR range 3.99% - 18.00%; APR Type: Fixed; Certain conditions may apply; Effective as of February 27, 2026
As Low As; APR range 3.99% - 18.00%; APR Type: Fixed; Certain conditions may apply; Effective as of February 27, 2026
As Low As; APR range 3.99% - 14.49%
As Low As; APR range 3.99% - 14.49%
Term: Up to 84 months, Depending on Age; As Low As; Rates effective as of 1/1/2026; subject to credit approval
Term: Up to 84 months, Depending on Age; As Low As; Depending on age
As Low As; Available Discounts: GAP or MCP, VSC, Ultra; Minimum finance amount for term applies
APR range: 3.99% to 14.55%
Automobiles; Rate Range: 3.99% _ 5.94%
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; Rate range: 3.99% - 13.00%
As Low As; Financing: 80% Financing MSRP or NADA Retail (20% down)
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
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
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
As Low As
As Low As; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
Credit score 700 minimum
Final rates are determined based on credit score and other factors; Calculator available
Published APR range: 4.00% - 14.00%.
As Low As; Payment Description: $15,000 minimum Sticker Price; APR Type: Fixed
As Low As; APR Type: Fixed
Fort Worth New Auto Auto Loan Rates
As Low As
As Low As; NEW Auto Loan Rates
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; 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
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
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
Available for 2023 and newer models; Terms from 24 to 72 Months; Rate includes .25% discount if you sign up for an auto-draft from a First Financial account
As Low As; NEW Auto Loan Rates
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; 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
APR Without Discount; New and Used auto rates and restrictions apply
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
Credit Grade: A; Rates quoted as APR
Published APR range: 5.00%-15.25%. Risk-based APR range; does not include available discounts
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 Grade: A; Rates quoted as APR
APR Without Discount; New and Used auto rates and restrictions apply
Credit Grade: A; Rates quoted as APR
As Low As; NEW Auto Loan Rates
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; 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
Credit Grade: A; Rates quoted as 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
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
Credit Grade: A; Rates quoted as APR
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; Minimum APR; Discounts for recurring direct deposits of $500 or more
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; 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
Credit Grade: A; Rates quoted as APR
As Low As; NEW Auto Loan Rates
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
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 Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: D; Rates quoted as APR; source prints rate without % sign
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Rate shown as APR; asterisk footnote: APR based on credit application characteristics
Grade: A+ (800+); Score based on TRANSUNION - TruVision Credit Report
Credit score 700 minimum
As Low As; APR*
APR range: 3.24% - 14.49%; Lowest rate listed includes all available discounts
Range: 3.39% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; APR Type: Fixed
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
APR range: 3.54% to 18.00%; APR Type: Fixed
- Oct 15, 20263.54%▲ from 3.47%
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Term: 36-months to 72-months; APR range: 3.61% to 15.96%; Used vehicle loan rates are based on vehicles 10 years or newer; 72-month term is for vehicle/recreational over $40,000; New vehicles are loans on vehicles never titled
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
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; Fewer than 7,500 miles
As Low As; APR Type: Fixed
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $10,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
Range: 3.89% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $20,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
APR range: 3.94% - 14.00%; Limits: 100% Financing; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Rate shown as APR
Grade: A+ (800+); Score based on TRANSUNION - TruVision Credit Report
Grade: A (720-799); Score based on TRANSUNION - TruVision Credit Report
- Oct 23, 20263.95%▲ from 2.95%
- Sep 17, 20262.95%first recorded
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $35,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
As Low As; APR range 3.99% - 18.00%; APR Type: Fixed; Certain conditions may apply; Effective as of February 27, 2026
As Low As; APR range 3.99% - 14.49%
Term: Up to 84 months, Depending on Age; As Low As; Rates effective as of 1/1/2026; subject to credit approval
Automobiles; Rate Range: 3.99% _ 5.94%
Up to $250,000; As Low As; Qualifying rate - Conditions apply
As Low As; Rate range: 3.99% - 13.00%
As Low As; Financing: 80% Financing MSRP or NADA Retail (20% down)
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
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
As Low As; APR applies to well-qualified borrowers
As Low As; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
Credit score 700 minimum
Final rates are determined based on credit score and other factors; Calculator available
Published APR range: 4.00% - 14.00%.
As Low As; Payment Description: $15,000 minimum Sticker Price; APR Type: Fixed
Fort Worth Used Auto Auto Loan Rates
As Low As
As Low As; USED Auto Loan Rates
As Low As
Available for 2021-2022 models; Terms from 24 to 72 Months; Rate includes .25% discount if you sign up for an auto-draft from a First Financial account
Credit Grade: A; Rates quoted as APR
As Low As; USED Auto Loan Rates
Published APR range: 5.00%-15.25%. Risk-based APR range; does not include available discounts
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
Credit Grade: A; Rates quoted as APR
Published APR range: 5.25%-15.50%. Risk-based APR range; does not include available discounts
APR With FCB Discount; requires automatic payment from a First Command Bank deposit account open prior to loan funding; New and Used auto rates and restrictions apply
Credit Grade: A; Rates quoted as APR
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; 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
Credit Grade: A; Rates quoted as APR
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%
APR Without Discount; New and Used auto rates and restrictions apply
As Low As; USED Auto Loan Rates
Credit Grade: A; Rates quoted as APR
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; Minimum APR; Discounts for recurring direct deposits of $500 or more
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
Model Year: 2023 - 2026
- Oct 14, 20266.49%▼ from 6.54%
- Sep 18, 20266.54%first recorded
Credit Grade: A; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
As Low As; USED Auto Loan Rates
Credit Grade: B; Rates quoted as APR
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
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Credit Grade: B; Rates quoted as APR
Published APR range: 9.50% - 17.00%. Risk-based APR range; does not include available discounts
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: C; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: D; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: D; Rates quoted as APR; source prints rate without % sign
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
Credit Grade: E; Rates quoted as APR
As Low As; Pre-Owned (Used) Automobile; Rates as low as 2.95% APR*
APR range: 3.24% - 14.49%; Lowest rate listed includes all available discounts
Range: 3.39% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
APR range: 3.54% to 18.00%; APR Type: Fixed
- Oct 15, 20263.54%▲ from 3.47%
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Term: 36-months to 72-months; APR range: 3.61% to 15.96%; Used vehicle loan rates are based on vehicles 10 years or newer; 72-month term is for vehicle/recreational over $40,000; New vehicles are loans on vehicles never titled
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
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; Fewer than 100,000 miles
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $10,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
Range: 3.89% - 12.95% APR*; Effective Date: October 22nd, 2026
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $20,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
As Low As; Pre-Owned (Used) Automobile
As Low As; Financing up to 100% of purchase price or NADA retail (whichever is less) plus TT&L; $35,000 Minimum; Lowest rate shown includes all available discounts; Rates effective as of October 1, 2026
As Low As; APR range 3.99% - 18.00%; APR Type: Fixed; Certain conditions may apply; Effective as of February 27, 2026
As Low As; APR range 3.99% - 14.49%
APR range: 3.99% to 14.55%
As Low As; Financing: 80% Financing MSRP or NADA Retail (20% down)
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
Published APR range: 3.99% - 18.00%. Auto (Collateral) Loans; Rates shown include Service & Loyalty discounts of up to 0.50% APR
As Low As; APR applies to well-qualified borrowers
As Low As; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
Published APR range: 4.00% - 14.00%.
As Low As; APR Type: Fixed
Fort Worth, TX Auto Loan Rate Trends
Compare local Fort Worth, 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.
Fort Worth, 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 Fort Worth, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Fort Worth, 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 Fort Worth, 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: Fort Worth, Texas CD rates lock in a guaranteed return until you’re ready to buy
Fort Worth, 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 15.8% of the median individual income in Fort Worth, 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 Fort Worth, 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 Fort Worth, 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 Fort Worth, 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 Fort Worth, 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 Fort Worth, 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 Fort Worth, 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 Fort Worth, Texas
What are auto loan rates in Fort Worth, Texas today?
How does my credit score affect my car loan rate in Fort Worth, 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 Fort Worth, 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 Fort Worth, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Fort Worth, Texas?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- FedEx Employees Credit Association Federal Credit Union: 3.99% (New Auto Loan - Up to 36 months)
- Navy Federal Credit Union: 4.19% (MissionAssistTM Auto - New Auto Loan)
- First Command Bank: 4.49% (New Auto Loan)
- Unity One Credit Union: 4.49% (Auto Loan)
Fort Worth, Texas Rates & Resources
