Houston, Texas Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Houston, Texas auto loan rates range from 3.50% to 5.75% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Houston, Texas include Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 1.81%Rate verified Nov 7, 2026 offering New & Used Auto Loans at 3.50%, Coastal Community Federal Credit UnionCoastal Community Federal Credit Union7002 Fauna St, Houston, TX, 77061 3918A5.0 ★Texas Ratio: 13.25%Rate verified Nov 7, 2026 offering Vehicle Loan at 3.59%, Port of Houston Warehouse Federal Credit UnionPort of Houston Warehouse Federal Credit Union1717 East Loop N Ste 160, Houston, TX, 77029 4018A+5.0 ★Texas Ratio: 0.91%Rate verified Nov 7, 2026 offering New/Used Auto at 3.61%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.25%Rate verified Nov 9, 2026 offering New & Used Auto Loan - Year Models - 2020 & Newer at 3.73%, Southwest Airlines Federal Credit UnionSouthwest Airlines Federal Credit Union8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064A+5.0 ★Texas Ratio: 3.25%Rate verified Nov 9, 2026 offering New Auto Loan at 3.94%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Houston has 46 local institutions in our database, with auto loan rates as low as 3.50% APR from Southern Federal Credit Union at 1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023. 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 Houston, Texas. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Houston Auto Loan Rates
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
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; 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; 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
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; 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; 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
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
As Low As; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.00%▼ from 5.40%
- Oct 13, 20265.40%first recorded
As Low As
As Low As; Model Years: 2019-2025; Loan Amount:
Loyalty rate deduction available; ask a representative for qualifying rate
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; Vehicle Year: 2025 & Newer
APR range: 4.19% - 15.00%; Loan rates and terms are based on the credit worthiness of the borrower
APR range: 4.19% - 14.25%; Limits: 100% Financing; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.25%▼ from 5.65%
- Oct 13, 20265.65%first recorded
As Low As; Rate range: 4.25% - 13.49%
As Low As; Rate range: 4.25% - 13.75%
As Low As
As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
Credit Grade: B
- Oct 22, 20264.31%▲ from 4.27%
- Oct 5, 20264.27%▲ from 3.97%
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
Credit Grade: A
- Oct 22, 20264.31%▲ from 4.27%
- Oct 5, 20264.27%▲ from 3.97%
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+
- Oct 22, 20264.31%▲ from 4.27%
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
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
As Low As; Vehicle Year: 2025 & Newer
APR range: 4.44% - 15.20%; Loan rates and terms are based on the credit worthiness of the borrower
APR range: 4.44% - 15.25%; Loan rates and terms are based on the credit worthiness of the borrower
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rate range: 4.49% - 14.00%
As Low As; Fixed APR range 4.49% - 11.74%; rates quoted based on applicant's credit history
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; APR - Fixed Rate
As Low As; Fixed Rate
- Nov 3, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum amount financed $30,000.00; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.50%▼ from 6.25%
- Oct 13, 20266.25%first recorded
As Low As; Rate range: 4.50% - 14.00%
As Low As
As Low As; Used autos 2015 or older: 1% more than Used Auto 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
Credit Grade: C
- Oct 22, 20264.61%▲ from 4.27%
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: B
- Oct 22, 20264.61%▲ from 4.27%
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A; source printed "4.61%%"
- Oct 22, 20264.61%▲ from 4.27%
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+
- Oct 22, 20264.61%▲ from 4.27%
- Sep 25, 20264.27%▲ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Loan Amount: $2,500+
As Low As; Vehicle Year: 2025 & Newer
As Low As; Fixed APR range 4.69% - 11.94%; rates quoted based on applicant's credit history
APR range: 4.69% - 15.65%; Loan rates and terms are based on the credit worthiness of the borrower
APR range: 4.69% - 15.45%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Financing: 90% Financing MSRP or NADA Retail (10% down)
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; APR - Fixed Rate
As Low As; Fixed Rate
- Nov 3, 20264.75%▲ from 4.50%
- Sep 17, 20264.50%first recorded
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
Published APR range: 4.75% - 17.99%. As Low As; Model Year 2018 or Newer; Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Low end of range stored as APR; full range 4.75% - 17.99%.
As Low As; Rate range: 4.75% - 14.75%
As Low As; Rate range: 4.75% - 14.75%
As Low As; Loan amount $25,000.00 or more
As Low As; Used autos 2015 or older: 1% more than Used Auto 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; Loan Amount: $2,500+
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
APR range: 4.94% - 15.90%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Qualifying Model Years: 2020 or newer; APR is fixed
As Low As; Qualifying Model Years: (2020 or newer); Includes demonstration/program, refinanced, luxury/exotic, classic and repossessed vehicles and police-equipped and recreational motorcycles; APR is fixed
As Low As; Vehicle Year: 2025 & Newer
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
APR range: 4.99% - 16.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
APR range: 4.99% - 17.49%; APR based on creditworthiness within the range disclosed
As Low As; Rate range: 4.99% - 15.49%
APR range: 4.99% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20264.99%▲ from 3.99%
- Oct 19, 20263.99%first recorded
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; Fixed APR range 4.99% - 12.24%; rates quoted based on applicant's credit history
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum amount financed $30,000.00; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20265.00%▼ from 6.75%
- Oct 13, 20266.75%first recorded
As Low As; Rate range: 5.00% - 15.25%
As Low As; Loan amount $30,000.00 or more
Term: Up to 72 Months ($25,000.00 or more); As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.04%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%first recorded
- 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
Maximum APR: 15.84%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
- Nov 2, 20265.09%▲ from 4.84%
- Sep 16, 20264.84%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
Loyalty rate deduction available; ask a representative for qualifying rate
As Low As; Model Years: 2020-2025; Loan Amount:
As Low As; Model Years: 2021-2025; Loan Amount: Minimum $10,000
As Low As; Model Years: 2022-2025; Loan Amount: Minimum $15,000
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; Loan Amount: $2,500+
As Low As; Loan Amount: $2,500+
As Low As; Vehicle Year: 2021-2024
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.19%▲ from 4.89%
- Oct 30, 20264.89%▲ from 4.39%
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; APR - Fixed Rate
As Low As; Fixed Rate
- Nov 3, 20265.20%▲ from 4.95%
- Sep 17, 20264.95%first recorded
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20265.24%▲ from 4.49%
- Oct 2, 20264.49%▼ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Qualifying Model Years: 2023 or newer; APR is fixed
As Low As; Qualifying Model Years: (2023 or newer); Includes demonstration/program, refinanced, luxury/exotic, classic and repossessed vehicles and police-equipped and recreational motorcycles; APR is fixed
As Low As; Rates card Auto
- Oct 5, 20265.24%▲ from 4.94%
- Sep 21, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
As Low As; New Auto, 12-60 Month Term
APR range: 5.24% - 17.24%
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
APR range: 5.24% - 17.74%; APR based on creditworthiness within the range disclosed
$25,000; As Low As; Financing: 80% Financing MSRP or NADA Retail (20% down)
As Low As; Financing: 100% Financing MSRP or NADA Retail
APR range: 5.24% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20265.24%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20265.25%▼ from 5.40%
- Oct 13, 20265.40%first recorded
As Low As; Rate range: 5.25% - 15.75%
Term: Up to 84 Months ($30,000.00 or more); As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Credit Grade: C
- Oct 22, 20265.31%▲ from 4.97%
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: B
- Oct 22, 20265.31%▲ from 4.97%
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: A
- Oct 22, 20265.31%▲ from 4.97%
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%first recorded
Credit Grade: A+
- Oct 22, 20265.31%▲ from 4.97%
- Sep 25, 20264.97%▲ from 4.76%
- Sep 17, 20264.76%▼ from 6.76%
- Sep 14, 20266.76%first recorded
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
As Low As; Minimum Loan Amount: $20,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.39%▲ from 5.14%
- Oct 14, 20265.14%first recorded
As Low As; Minimum Loan Amount: $20,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.39%▲ from 5.14%
- Oct 14, 20265.14%first recorded
Credit Tier: Excellent; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 2, 20265.39%▼ from 5.89%
- Sep 14, 20265.89%first recorded
As Low As; Loan Amount: $5,000+
As Low As; Vehicle Year: 2020
As Low As; Fixed APR range 5.39% - 12.64%; rates quoted based on applicant's credit history
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Loan Amount: $2,500+
Maximum APR: 16.99%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
APR range: 5.49% - 17.49%
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
APR range: 5.49% - 17.99%; APR based on creditworthiness within the range disclosed
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
As Low As; Minimum finance $15,000; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As
As Low As; Current model year
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As
- Oct 19, 20265.50%▲ from 4.50%
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Terms up to 36 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
As Low As; Loan Amount: $15,000+
As Low As; Loan Amount: $5,000+
As Low As; Vehicle Year: 2016-2019
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Credit Tier: Good; Add 0.50% APR for vehicles more than 3 years old; Add 2.00% APR for vehicles more than 10 years old or with more than 100,000 miles; Not for loans of $100,000 or more
- Oct 14, 20265.64%▲ from 5.14%
- Oct 2, 20265.14%▼ from 5.64%
- Sep 14, 20265.64%first recorded
As Low As; 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
Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
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 Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Hit the Road With a Great Rate; Banner rate, term not stated
- Oct 15, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
APR range: 5.74% - 17.99%; APR based on creditworthiness within the range disclosed
$25,000; As Low As; Financing: 90% Financing MSRP or NADA Retail (10% down)
APR range: 5.74% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20265.74%▲ from 4.99%
- Oct 19, 20264.99%first recorded
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
As Low As; Featured loan rate
- Oct 10, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
Houston New Auto Auto Loan Rates
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
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; 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
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; 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; 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
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; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.00%▼ from 5.40%
- Oct 13, 20265.40%first recorded
As Low As
As Low As; Model Years: 2019-2025; Loan Amount:
Loyalty rate deduction available; ask a representative for qualifying rate
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; Vehicle Year: 2025 & Newer
APR range: 4.19% - 15.00%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.25%▼ from 5.65%
- Oct 13, 20265.65%first recorded
As Low As; Rate range: 4.25% - 13.49%
As Low As
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
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
As Low As; Vehicle Year: 2025 & Newer
APR range: 4.44% - 15.20%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Rate range: 4.49% - 14.00%
As Low As; Fixed APR range 4.49% - 11.74%; rates quoted based on applicant's credit history
As Low As; APR - Fixed Rate
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum amount financed $30,000.00; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20264.50%▼ from 6.25%
- Oct 13, 20266.25%first recorded
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; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Vehicle Year: 2025 & Newer
As Low As; Fixed APR range 4.69% - 11.94%; rates quoted based on applicant's credit history
APR range: 4.69% - 15.65%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Financing: 90% Financing MSRP or NADA Retail (10% down)
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; APR - Fixed Rate
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
Published APR range: 4.75% - 17.99%. As Low As; Model Year 2018 or Newer; Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Low end of range stored as APR; full range 4.75% - 17.99%.
As Low As; Rate range: 4.75% - 14.75%
As Low As; Loan amount $25,000.00 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; Loan Amount: $2,500+
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
As Low As; Vehicle Year: 2025 & Newer
Auto loan; APR*
- Oct 5, 20264.99%▲ from 4.64%
- Sep 14, 20264.64%first recorded
APR range: 4.99% - 16.99%
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
As Low As; Rate range: 4.99% - 15.49%
APR range: 4.99% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20264.99%▲ from 3.99%
- Oct 19, 20263.99%first recorded
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; Fixed APR range 4.99% - 12.24%; rates quoted based on applicant's credit history
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Minimum amount financed $30,000.00; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20265.00%▼ from 6.75%
- Oct 13, 20266.75%first recorded
As Low As; Loan amount $30,000.00 or more
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.04%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%first recorded
Maximum APR: 15.84%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
- Nov 2, 20265.09%▲ from 4.84%
- Sep 16, 20264.84%first recorded
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; Model Years: 2020-2025; Loan Amount:
As Low As; Model Years: 2021-2025; Loan Amount: Minimum $10,000
As Low As; Model Years: 2022-2025; Loan Amount: Minimum $15,000
As Low As; Loan Amount: $2,500+
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.19%▲ from 4.89%
- Oct 30, 20264.89%▲ from 4.39%
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; APR - Fixed Rate
As Low As; Rates from 5.23% APR for 72 months; APR accurate as of 02/02/2026 and includes one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account; minimum loan $4,000, maximum loan $150,000; example loan $42,500 for 72 months at $686.61/month
As Low As; New Auto, 12-60 Month Term
APR range: 5.24% - 17.24%
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
$25,000; As Low As; Financing: 80% Financing MSRP or NADA Retail (20% down)
As Low As; Financing: 100% Financing MSRP or NADA Retail
APR range: 5.24% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20265.24%▲ from 4.49%
- Oct 19, 20264.49%first recorded
As Low As; Model Year: 2026; Rates based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
As Low As; Minimum Loan Amount: $20,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.39%▲ from 5.14%
- Oct 14, 20265.14%first recorded
As Low As; Loan Amount: $5,000+
As Low As; Fixed APR range 5.39% - 12.64%; rates quoted based on applicant's credit history
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 16.99%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
Auto loan; APR*
- Oct 5, 20265.49%▲ from 5.14%
- Sep 14, 20265.14%first recorded
APR range: 5.49% - 17.49%
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As
As Low As; Current model year
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As; Terms up to 36 Months
As Low As; Loan Amount: $15,000+
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%
Model Year: 2023 and newer; Minimum loan: $7,500; APR range: 5.69% - 14.29%; Rate discounts may apply; Rates effective as of 07-01-2026
Vehicle model year: 2023 and newer; Minimum loan: $7,500; Rate range: 5.69% - 14.29%; Rates effective as of 07-01-2026; 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score; 79 - 84-month term requires minimum 680 FICO score and $25,000 amount financed
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 Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
$25,000; As Low As; Financing: 90% Financing MSRP or NADA Retail (10% down)
APR range: 5.74% - 16.99%; Effective Date: 11/03/2026
- Nov 3, 20265.74%▲ from 4.99%
- Oct 19, 20264.99%first recorded
As Low As; Minimum loan amount: $2,000; Up to 120% of MSRP or Retail Kelley Blue Book; New autos under 1 year old and under 12,000 miles; .25% discount with vehicle insurance and .25% discount for direct deposit with automatic payment; may increase based on credit worthiness
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
Houston Used Auto Auto Loan Rates
As Low As; Rate assumes discount of up to 1.00%; APR cannot be discounted below 3.50%
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; 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
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; 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; 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
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; Fixed APR range 3.99% - 11.24%; rates quoted based on applicant's credit history
As Low As; Model Years: 2019-2025; Loan Amount:
APR range: 4.19% - 14.25%; Limits: 100% Financing; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
As Low As; Rate range: 4.25% - 13.75%
As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
APR range: 4.44% - 15.25%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Fixed APR range 4.49% - 11.74%; rates quoted based on applicant's credit history
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Fixed Rate
- Nov 3, 20264.50%▲ from 4.25%
- Sep 17, 20264.25%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rate range: 4.50% - 14.00%
As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.65%▲ from 4.40%
- Oct 14, 20264.40%first recorded
As Low As; Loan Amount: $2,500+
As Low As; Fixed APR range 4.69% - 11.94%; rates quoted based on applicant's credit history
APR range: 4.69% - 15.45%; Loan rates and terms are based on the credit worthiness of the borrower
As Low As; Financing: 90% Financing MSRP or NADA Retail (10% down)
As Low As; Max discount of .75% assumed. Discounts offered for automatic payments, down payment, CU buyer program, GAP, Warranty and Credit Insurance.
As Low As; Minimum Loan Amount: No minimum; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20264.75%▲ from 4.50%
- Oct 14, 20264.50%first recorded
As Low As; Fixed Rate
- Nov 3, 20264.75%▲ from 4.50%
- Sep 17, 20264.50%first recorded
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
As Low As; Rates above will be reduced by 0.10% APR if application is submitted online. Used Vehicles - Financing available up to 100% of NADA Retail Value.
Published APR range: 4.75% - 17.99%. As Low As; Model Year 2018 or Newer; Rate includes 0.25% automatic payment discount and 0.50% discount for 20% down payment. Low end of range stored as APR; full range 4.75% - 17.99%.
As Low As; Rate range: 4.75% - 14.75%
As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20264.89%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 3.94%
- Sep 18, 20263.94%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.89%▲ from 4.79%
- Sep 14, 20264.79%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rates as of November 08, 2026
- Oct 10, 20264.94%▲ from 4.84%
- Sep 14, 20264.84%first recorded
APR range: 4.94% - 15.90%; Loan rates and terms are based on the credit worthiness of the borrower
APR range: 4.99% - 17.49%; APR based on creditworthiness within the range disclosed
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; Fixed APR range 4.99% - 12.24%; rates quoted based on applicant's credit history
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
As Low As; Minimum Loan Amount: $15,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.00%▲ from 4.75%
- Oct 14, 20264.75%first recorded
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Rate range: 5.00% - 15.25%
Term: Up to 72 Months ($25,000.00 or more); As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.04%▲ from 4.74%
- Oct 30, 20264.74%▲ from 4.24%
- Oct 14, 20264.24%▲ from 4.14%
- Sep 14, 20264.14%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
Maximum APR: 15.84%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
- Nov 2, 20265.09%▲ from 4.84%
- Sep 16, 20264.84%first recorded
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.09%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Loyalty rate deduction available; ask a representative for qualifying rate
As Low As; Model Years: 2020-2025; Loan Amount:
As Low As; Model Years: 2021-2025; Loan Amount: Minimum $10,000
As Low As; Model Years: 2022-2025; Loan Amount: Minimum $15,000
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; Loan Amount: $2,500+
As Low As; Rates Effective: November 1, 2026; with approved credit
- Nov 3, 20265.19%▲ from 4.89%
- Oct 30, 20264.89%▲ from 4.39%
- Oct 14, 20264.39%▲ from 4.29%
- Sep 14, 20264.29%first recorded
As Low As; Fixed Rate
- Nov 3, 20265.20%▲ from 4.95%
- Sep 17, 20264.95%first recorded
APR range: 5.24% - 17.74%; APR based on creditworthiness within the range disclosed
As Low As; Financing: 100% Financing MSRP or NADA Retail
As Low As; Rates based on risk analysis (financial history and credit score)
- Nov 3, 20265.25%▼ from 5.40%
- Oct 13, 20265.40%first recorded
As Low As; Rate range: 5.25% - 15.75%
Term: Up to 84 Months ($30,000.00 or more); As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; Rates as of November 08, 2026
- Oct 10, 20265.29%▲ from 5.19%
- Sep 14, 20265.19%first recorded
Credit Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
Maximum APR: 16.09%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
As Low As; Minimum Loan Amount: $20,000; Rates shown not available in VA, NC, UT, NV, and TX
- Oct 31, 20265.39%▲ from 5.14%
- Oct 14, 20265.14%first recorded
As Low As; Fixed APR range 5.39% - 12.64%; rates quoted based on applicant's credit history
Credit Score: 680 - 729 - A; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
As Low As; Loan Amount: $2,500+
Maximum APR: 16.99%; Rates include 0.25% rate discount when borrower adds protection bundle discount products; Rates and terms determined by borrower's credit qualifications
APR range: 5.49% - 17.99%; APR based on creditworthiness within the range disclosed
As Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
As Low As; Minimum finance $15,000; Based on down payment of 10% or more; add 0.25% for down payments less than 10%
As Low As
- Oct 19, 20265.50%▲ from 4.50%
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%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
As Low As; Loan Amount: $5,000+
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 Score: 730+ - A+; Max LTV: 100%; No auto > 7y age. Miles not to exceed 100k
APR range: 5.74% - 17.99%; APR based on creditworthiness within the range disclosed
As Low As; Model Year 2020 and newer; Minimum loan amount: $2,000; Rates reflect maximum .50% discount (.25% with vehicle insurance from Premier America, .25% for direct deposit with automatic payment); May increase based on credit worthiness; Used autos are model years 2020-2026 with over 12,000 miles; Up to 120% of Retail Kelley Blue Book
As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financing up to 100% of NADA Retail Value; Rate dependent on credit rating, term, amount financed, and collateral
Houston, TX Auto Loan Rate Trends
Compare local Houston, 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.
Houston, 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 Houston, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Houston, 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 Houston, 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: Houston, Texas CD rates lock in a guaranteed return until you’re ready to buy
Houston, 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 17.2% of the median individual income in Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas
What are auto loan rates in Houston, Texas today?
How does my credit score affect my car loan rate in Houston, 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 Houston, 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 Houston, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Houston, Texas?
- Southern Federal Credit Union: 3.50% (New & Used Auto Loans)
- Coastal Community Federal Credit Union: 3.59% (Vehicle Loan)
- Port of Houston Warehouse Federal Credit Union: 3.61% (New/Used Auto)
- MemberSource Credit Union: 3.73% (New & Used Auto Loan - Year Models - 2020 & Newer)
- Southwest Airlines Federal Credit Union: 3.94% (New Auto Loan)
Houston, Texas Rates & Resources
