Lubbock, Texas Best Auto Loan Rates for November 2026
Brian McKay
Brian McKay
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Lubbock, Texas auto loan rates range from 2.00% to 6.09% APR, verified by MonitorBankRates as of November 9, 2026. Current auto loan rates in Lubbock, Texas include Texas Tech Credit UnionTexas Tech Credit Union1802 Texas Tech Parkway, Lubbock, TX, 79409A+5.0 ★Texas Ratio: 2.86%Rate verified Nov 9, 2026 offering New Auto Loan at 4.74%, Bank of AmericaBank of America2332 19th St, Lubbock, TX, 79401A+5.0 ★Texas Ratio: 4.14%Rate verified Nov 5, 2026 offering New Car (dealer) Auto Loan at 5.64%, Chase BankChase Bank801 University Ave, Lubbock, TX, 79401A+5.0 ★Texas Ratio: 3.68%Rate verified Nov 5, 2026 offering Auto Loan - New car purchase at 6.09%, Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit UnionA+5.0 ★Texas Ratio: 0.02%Rate verified Nov 7, 2026 offering New Vehicles - With Approved Credit Loan at 2.00%, Highway District 21 Credit UnionHighway District 21 Credit UnionA+5.0 ★Texas Ratio: 0.39%Rate verified Nov 9, 2026 offering Vehicle Loan at 2.50%. Auto loan rates as of November 9, 2026 according to verified data from MonitorBankRates.
Lubbock has 3 local institutions in our database, with auto loan rates as low as 4.74% APR from Texas Tech Credit Union at 1802 Texas Tech Parkway, Lubbock, TX, 79409. 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 Lubbock, Texas. Auto Loan Rates Last Updated and Verified: November 9, 2026
Compare Auto Loan Rates Today in Lubbock, Texas & Surrounding Area
Lubbock Auto Loan Rates
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
New vehicles: 2026-2027 model years; 84-month max dependent on credit score, year of vehicle, and amount financed; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Used vehicles: 2024-2025 model years; 84-month max dependent on credit score, year of vehicle, and amount financed; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%first recorded
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; 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
As Low As
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
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%
As Low As; NEW Auto Loan Rates
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
Tier 1; Score 750-up
Tier 1; Score 750-up
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Auto Loan Rates
As Low As; Auto Loan Rates
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
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
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; APR ranges table; Note: Not all borrowers may receive the lowest rate.
- Nov 3, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; Maximum Loan: 100%
As Low As; Maximum Loan: NADA RETAIL VALUE
Rate range: 4.00% to 12.00%; Interest rate footnote: Annual Percentage Rate
As Low As
As Low As; APR range: 4.00% - 16.00%; Lowest rate includes 1% discount available
As Low As; Model Years: 2019-2025; Loan Amount:
Model Year: 2011 to 2015; Risk Grade A+
As Low As
As Low As; APR* as low as; rate based on creditworthiness, age of collateral and term of loan
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Loyalty rate deduction available; ask a representative for qualifying rate
Model Year: 2016 to 2019; Risk Grade A+
Tier 2; Score 700-749
Tier 2; Score 700-749
Model Year: 2026; APR range as printed: 4.15%* to 15.40%
Model Year: 2024; Interest rate range: 4.15%* to 18.00%
Model Year: 2025; Interest rate range: 4.15%* to 18.00%
As Low As; Rates effective July 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; 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
Up to $250,000; As Low As
- Oct 5, 20264.24%▼ from 4.25%
- Sep 17, 20264.25%first recorded
Advertised offer: 4.24% APR for terms up to 48 months; Maximum Available Term: Up to 84 months
As Low As; based on credit score of 740+; subject to credit approval
- Oct 26, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%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%
Model Year: 2020 to 2024; Risk Grade A+
Published APR range: 4.25% - 14.25%.
Published APR range: 4.25% - 14.25%.
As Low As; Payment Description: $25,000 minimum Sticker Price; APR Type: Fixed
As Low As; Payment Description: up to $25,000; APR Type: Fixed
As Low As; APR Type: Fixed
Tier 1; Score 750-up
As Low As; Model Year: 2020 & newer; Vehicles with less than 20k miles
As Low As; APR* - up to 60 month financing available
- Oct 8, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
Score: 730+; Grade of Paper: A+; Secured Advances
APR range 4.25% - 12.25%; Maximum Discount Rate: as low as 3.50% (credit score based, equivalent to an A borrower with all maximum rate discounts applied, 0.75%)
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Additional APR listed for this product: 4.50%. Up to $250,000; As Low As
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
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
As Low As; APR; Rates are subject to change at any time
As Low As; Rate range: 4.25% - 13.49%
As Low As; Rate range: 4.25% - 13.75%
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Maximum Loan: 100%
Risk Tier: A+ (credit score 720+); Max term new to 2023: 78 Months; Rates effective June 1, 2026
As Low As
As Low As; Used autos 2015 or older: 1% more than Used Auto Rates
As Low As; APR range: 4.25% - 16.25%; Lowest rate includes 1% discount available
As Low As; Rate includes both discounts
Rate includes both discounts
APR range: 4.29% - 17.99%; Down payment: as low as 0%
Year: 2023; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
Year: 2024; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
Year: 2026-2025; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
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
Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low As
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Lowest advertised rate requires qualifying for applicable discounts; Minimum loan amount $10,000
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
As Low As; Model Year: 2025 & Newer; Auto Loans
- Oct 14, 20264.34%▲ from 4.14%
- Sep 22, 20264.14%first recorded
Model Year: 2025 to 2027; Risk Grade A+
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.
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Range: 4.39% - 13.14% APR*; Effective Date: October 22nd, 2026
As Low As; Rate based on creditworthiness and term of loan
As Low As; Rate based on creditworthiness and term of loan
Model Year: 2011 to 2015; Risk Grade A
- Oct 15, 20264.40%▲ from 4.05%
- Oct 12, 20264.05%first recorded
Model Year: 2023; Interest rate range: 4.40%* to 18.00%
As Low As; 60-Months, as low as 4.40% APR
Credit Score: 700+; Model Year: 2026 to 2022
- Oct 14, 20264.40%▲ from 3.95%
- Sep 14, 20263.95%first recorded
As Low As; Rates effective July 1, 2026
As Low As; New and late model used vehicles (2025 and newer model years) with 30,000 or fewer miles; Credit and collateral subject to approval
- 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
Model Year: 2025 to 2027; Risk Grade A+
As Low As; For new and used vehicles; with approved credit; rates and terms based on vehicle year model, amount financed, and credit score; subject to change
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
Lubbock New Auto Auto Loan Rates
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.74%▲ from 4.49%
- Sep 14, 20264.49%first recorded
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
New vehicles: 2026-2027 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Fixed-rate new car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
New vehicles: 2026-2027 model years; 84-month max dependent on credit score, year of vehicle, and amount financed; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
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; 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
As Low As
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%
As Low As; NEW Auto Loan Rates
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
Tier 1; Score 750-up
Tier 1; Score 750-up
As Low As; Auto Loan Rates
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
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
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; APR ranges table; Note: Not all borrowers may receive the lowest rate.
- Nov 3, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; Maximum Loan: 100%
Rate range: 4.00% to 12.00%; Interest rate footnote: Annual Percentage Rate
As Low As
As Low As; Model Years: 2019-2025; Loan Amount:
As Low As
As Low As; APR* as low as; rate based on creditworthiness, age of collateral and term of loan
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Loyalty rate deduction available; ask a representative for qualifying rate
Tier 2; Score 700-749
Tier 2; Score 700-749
Model Year: 2026; APR range as printed: 4.15%* to 15.40%
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; based on credit score of 740+; subject to credit approval
- Oct 26, 20264.24%▲ from 3.99%
- Sep 14, 20263.99%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%
Published APR range: 4.25% - 14.25%.
Published APR range: 4.25% - 14.25%.
As Low As; Payment Description: $25,000 minimum Sticker Price; APR Type: Fixed
Tier 1; Score 750-up
As Low As; APR* - up to 60 month financing available
- Oct 8, 20264.25%▲ from 4.00%
- Sep 14, 20264.00%first recorded
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
Score: 730+; Grade of Paper: A+; Secured Advances
APR range 4.25% - 12.25%; Maximum Discount Rate: as low as 3.50% (credit score based, equivalent to an A borrower with all maximum rate discounts applied, 0.75%)
Up to $250,000; As Low As; Qualifying rate - Conditions apply
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
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
As Low As; APR; Rates are subject to change at any time
As Low As; Rate range: 4.25% - 13.49%
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
As Low As; Maximum Loan: 100%
As Low As
As Low As; Rate includes both discounts
Rate includes both discounts
APR range: 4.29% - 17.99%; Down payment: as low as 0%
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Published APR range: 4.29% to 14.59%.
- Nov 3, 20264.29%▲ from 3.99%
- Oct 13, 20263.99%first recorded
Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%. As Low As
As Low As; Vehicle: 0-2 years old with fewer than 36,000 miles; Lowest advertised rate requires qualifying for applicable discounts; Minimum loan amount $10,000
- Oct 14, 20264.34%▲ from 3.99%
- Sep 18, 20263.99%first recorded
As Low As; 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.
Rate Type: Fixed
Rate Type: Fixed; Auto Loan Rates - New Vehicles; Rates subject to change
Range: 4.39% - 13.14% APR*; Effective Date: October 22nd, 2026
As Low As; Rate based on creditworthiness and term of loan
As Low As; 60-Months, as low as 4.40% APR
Credit Score: 700+; Model Year: 2026 to 2022
- Oct 14, 20264.40%▲ from 3.95%
- Sep 14, 20263.95%first recorded
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
Lubbock Used Auto Auto Loan Rates
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20264.99%▲ from 4.74%
- Sep 14, 20264.74%first recorded
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.24%▲ from 4.99%
- Sep 14, 20264.99%first recorded
Used vehicles: 2024-2025 model years; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.49%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed-rate used car loan; 60-month option; as of Nov. 5, 2026; excludes additional BofA Rewards discount up to 0.50%
Used vehicles: 2024-2025 model years; 84-month max dependent on credit score, year of vehicle, and amount financed; Fixed rate; Rates effective 11/2/2026; Additional Rate Discount: -0.40%
- Nov 5, 20265.99%▲ from 5.74%
- Sep 14, 20265.74%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 $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; 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
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
Tier 1; Score 750-up
Tier 1; Score 750-up
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; Auto Loan Rates
Score: 730+; Grade of Paper: A+; Secured Advances
Score: 730+; Grade of Paper: A+; Secured Advances
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
As Low As; APR ranges table; Note: Not all borrowers may receive the lowest rate.
- Nov 3, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
As Low As; Maximum Loan: NADA RETAIL VALUE
As Low As; Model Years: 2019-2025; Loan Amount:
As Low As; APR* as low as; rate based on creditworthiness, age of collateral and term of loan
Tier 2; Score 700-749
Tier 2; Score 700-749
Model Year: 2024; Interest rate range: 4.15%* to 18.00%
Model Year: 2025; Interest rate range: 4.15%* to 18.00%
APR range: 4.19% - 14.25%; Limits: 100% Financing; Loan rates and terms are based on the credit worthiness of the borrower
Up to $250,000; As Low As
- Oct 5, 20264.24%▼ from 4.25%
- Sep 17, 20264.25%first recorded
Published APR range: 4.25% - 14.25%.
Published APR range: 4.25% - 14.25%.
As Low As; APR Type: Fixed
Tier 1; Score 750-up
As Low As; Model Year: 2020 & newer; Vehicles with less than 20k miles
As Low As; rate starts at 36-month term for well qualified borrowers; rate discounts up to 1.00% available
Score: 730+; Grade of Paper: A+; Secured Advances
Additional APR listed for this product: 4.50%. Up to $250,000; As Low As
New and Used Vehicle Loan; APR* best rate including discounts
As Low As; APR; Rates are subject to change at any time
As Low As; APR; Rates are subject to change at any time
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; Rate includes both discounts
Rate includes both discounts
Year: 2023; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
Year: 2024; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
Year: 2026-2025; APR range: 4.29% - 17.99%; Maximum Loan: NADA Value
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.
Range: 4.39% - 13.14% APR*; Effective Date: October 22nd, 2026
As Low As; Rate based on creditworthiness and term of loan
Model Year: 2023; Interest rate range: 4.40%* to 18.00%
As Low As; 60-Months, as low as 4.40% APR
Credit Score: 700+; Model Year: 2026 to 2022
- Oct 14, 20264.40%▲ from 3.95%
- Sep 14, 20263.95%first recorded
APR range: 4.44% - 15.25%; Loan rates and terms are based on the credit worthiness of the borrower
Lubbock, TX Auto Loan Rate Trends
Compare local Lubbock, 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.
Lubbock, 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 Lubbock, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Lubbock, 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 Lubbock, 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: Lubbock, Texas CD rates lock in a guaranteed return until you’re ready to buy
Lubbock, 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 19.5% of the median individual income in Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, Texas
What are auto loan rates in Lubbock, Texas today?
How does my credit score affect my car loan rate in Lubbock, 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 Lubbock, 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 Lubbock, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Lubbock, Texas?
- Texas Tech Credit Union: 4.74% (New Auto Loan)
- Bank of America: 5.64% (New Car (dealer) Auto Loan)
- Chase Bank: 6.09% (Auto Loan - New car purchase)
- Mclennan County Employees Federal Credit Union: 2.00% (New Vehicles - With Approved Credit Loan)
- Highway District 21 Credit Union: 2.50% (Vehicle Loan)
Lubbock, Texas Rates & Resources
