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  7. Auto Loan Rate Trends

Texas Best Auto Loan Rates - October 2026

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Brian McKay Brian McKay
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Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Texas auto loan rates range from 1.99% to 4.44% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Texas include Belton Federal Credit UnionBelton Federal Credit Union400 N Wall St, Belton, TX, 76513A5.0 ★Texas Ratio: 10.90% offering New Vehicle Loan at 1.99%, Mclennan County Employees Federal Credit UnionMclennan County Employees Federal Credit Union215 N 5th St Ste 224, Waco, TX, 76701 1364A+5.0 ★Texas Ratio: 0.02% offering New Vehicles - With Approved Credit Loan at 2.00%, HIGHWAY DISTRICT 21HIGHWAY DISTRICT 21600 W Ferguson St, Pharr, TX, 78577A+5.0 ★Texas Ratio: 0.39% offering RATES ON VEHICLES - 2026 2025 2024 Loan at 2.50%, IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 1.25% offering New Automobile (NA) at 2.95%, TEXOMA EDUCATORSTEXOMA EDUCATORS506 W Lamar St, Sherman, TX, 75090 5840A+5.0 ★Texas Ratio: 2.55% offering New vehicles Loan at 2.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare auto loan rates across Texas side-by-side. Texas auto loan rates currently start as low as 1.99% APR from Belton Federal Credit Union at 400 N Wall St, Belton, TX, 76513. Rates are continually updated, so we recommend checking back frequently.

Auto loan rates reflect recent market quotes and representative offers available to borrowers in Texas. Auto Loan Rates Last Updated and Verified: October 13, 2026

Compare Auto Loan Rates Today in Texas

Jump to: All Auto Loans · New Auto · Used Auto

Texas Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Belton Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.90%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
12 months
View
▼
APR1.99%
Interest Rate1.99%
Term12 months
Last UpdatedOct 10, 2026
Details

1 yr. old or newer vehicles. Pending credit approval

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles - With Approved Credit Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Monthly Payments; APR Type: Fixed

Rate History
No change since Sep 25, 2026 · 2.00% APR · checked 3 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APRSep 25, 2026Oct 13, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles - With Approved Credit Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Monthly Payments; APR Type: Fixed

Rate History
No change since Sep 25, 2026 · 2.25% APR · checked 3 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APRSep 25, 2026Oct 13, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2026 2025 2024 Loan
2.50%
36 months
View
▼
APR2.50%
Term36 months
Last UpdatedOct 10, 2026
Details

Year: 2026 2025 2024

Rate History
No change since Sep 18, 2026 · 2.50% APR · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APRSep 18, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Grade: A+ (800+); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 2.95% APR
2.45%2.95%3.45%Oct 13, 2026: 2.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed rate for the life of the loan; Rates published as APR

Rate History
No change since Sep 14, 2026 · 2.95% APR · checked 8 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APRSep 14, 2026Oct 13, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2024 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 13, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2025 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 13, 2026
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.39%
600 W Ferguson St, Pharr, TX, 78577
RATES ON VEHICLES - 2026 Loan
2.99%
48 months
View
▼
APR2.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 18, 2026 · 2.99% APR · checked 3 times
2.49%2.99%3.49%Sep 18, 2026: 2.99% APRSep 18, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 13, 2026
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Auto Loans - New & Current Year Used Cars, Trucks & non-purchase collateral
2.99%
Up to 72 months
View
▼
APR2.99%
Interest Rate2.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant

Rate History
No change since Oct 13, 2026 · 2.99% APR
2.49%2.99%3.49%Oct 13, 2026: 2.99% APROct 13, 2026Oct 13, 2026
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Rates

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.22%
0-36 Months
View
▼
APR3.22%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
2 changes since Sep 14, 2026 · 3.01% → 3.22% ▲ 0.21 pts · high 3.26% / low 3.01%
2.51%3.14%3.76%Sep 14, 2026: 3.01% APRSep 17, 2026: 3.26% APRSep 25, 2026: 3.22% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.22%▼ from 3.26%
  • Sep 17, 20263.26%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
Auto Loan
3.39%
65 months
View
▼
APR3.39%
Term65 months
Last UpdatedOct 12, 2026
Details

As Low As; Select Your Rate table

Rate History
No change since Sep 18, 2026 · 3.39% APR · checked 7 times
2.89%3.39%3.89%Sep 18, 2026: 3.39% APRSep 18, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 11 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - New Autos
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - Used Vehicle - 2025 - 60 months
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - Used Vehicle - 2026-2027
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.47%
0-36 Months
View
▼
APR3.47%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
2 changes since Sep 14, 2026 · 3.01% → 3.47% ▲ 0.46 pts · high 3.47% / low 3.01%
2.51%3.24%3.97%Sep 14, 2026: 3.01% APRSep 17, 2026: 3.26% APRSep 25, 2026: 3.47% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.47%▲ from 3.26%
  • Sep 17, 20263.26%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.47%
37-48 Months
View
▼
APR3.47%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 3.26% → 3.47% ▲ 0.21 pts · high 3.47% / low 3.26%
2.76%3.37%3.97%Sep 17, 2026: 3.26% APRSep 25, 2026: 3.47% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20263.47%▲ from 3.26%
  • Sep 17, 20263.26%first recorded
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 18, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Auto Loans - Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
View
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published rate range: 3.49% - 11.99%. Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 3 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 13, 2026
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 months
View
▼
APR3.70%
Termup to 75 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 3.70% APR · checked 5 times
3.20%3.70%4.20%Sep 16, 2026: 3.70% APRSep 16, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 7,500 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 100,000 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 36 months
View
▼
APR3.75%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: All model years; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Star Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
10429 Leopard St, Corpus Christi, TX, 78410 1933
Auto Loans
3.79%
Up to 36 months
View
▼
APR3.79%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Term: Up to 36 months - 84 months; Published APR range: 3.79% - 15.54%.

Rate History
1 change since Sep 14, 2026 · 3.43% → 3.79% ▲ 0.36 pts · high 3.79% / low 3.43%
2.93%3.61%4.29%Sep 14, 2026: 3.43% APROct 10, 2026: 3.79% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.79%▲ from 3.43%
  • Sep 14, 20263.43%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 11 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - New Autos
3.90%
72 months
View
▼
APR3.90%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.90% APR · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APROct 9, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

Grade: A+ (800+); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
0-36 Months
View
▼
APR3.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Grade: A (720-799); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed rate for the life of the loan; Rates published as APR

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile Loan - 37-60 Months
3.95%
37-60 months
View
▼
APR3.95%
Term37-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Pre-Owned (Used) Automobile

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.97%
0-36 Months
View
▼
APR3.97%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
2 changes since Sep 14, 2026 · 3.01% → 3.97% ▲ 0.96 pts · high 4.06% / low 3.01%
1.96%3.53%5.11%Sep 14, 2026: 3.01% APRSep 17, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 17, 20264.06%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.97%
37-48 Months
View
▼
APR3.97%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 4.06% → 3.97% ▼ 0.09 pts · high 4.06% / low 3.97%
3.47%4.02%4.56%Sep 17, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 17, 20264.06%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
3.97%
49-60 Months
View
▼
APR3.97%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 4.06% → 3.97% ▼ 0.09 pts · high 4.06% / low 3.97%
3.47%4.02%4.56%Sep 17, 2026: 4.06% APRSep 25, 2026: 3.97% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20263.97%▼ from 4.06%
  • Sep 17, 20264.06%first recorded
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
8800 US Highway 380, Cross Roads, TX, 76227
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
View
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedOct 7, 2026
Details

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 3 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
3923 5th St, Brookshire, TX, 77423
Auto Loan
3.99%
36 - 84 months
View
▼
APR3.99%
Term36 - 84 months
Last UpdatedOct 10, 2026
Details

As Low As; Monthly payment for 36 months is

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on Age; Rates effective as of 1/1/2026

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
903 W Highway St, Iowa Park, TX, 76367 1180
Vehicles Loan
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on Age

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
909 W Sanford St, ARLINGTON, TX, 76012 5032
Auto Loan
3.99%
Up to 84 Months
View
▼
APR3.99%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Available Discounts: GAP or MCP, VSC, Ultra; Minimum Finance amount for term (footnote 1)

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Austin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.55%. Used vehicle loan; Most loan rates are based on credit score; Eligible for .25% discount for online application and .25% discount with active checking account for at least 90 days

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Automobiles; Rate Range: 3.99% _ 5.94%; Rates expressed in APR

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
New Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; NEW Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.40% → 3.99% ▼ 0.41 pts · high 4.40% / low 3.99%
3.49%4.20%4.90%Sep 14, 2026: 4.40% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.99%▼ from 4.40%
  • Sep 14, 20264.40%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
Used Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; USED Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
New Autos - Up to 36 Months
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 3.99% - 13.00%

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.00% ▼ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.50% APROct 1, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
View
▼
APR4.00%
Term24 to 60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: NADA RETAIL VALUE

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
up to 94 months
View
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.00% to 12.00%.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loan
4.00%
Up to 36 Months
View
▼
APR4.00%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Final rates are determined based on credit score and other factors.

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
View
▼
APR4.00%
Term36 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 14.00%.

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 48 months
View
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: All model years; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 36 Months
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 13, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans - Risk Grade A+
4.05%
2 years
View
▼
APR4.05%
Term2 years
Last UpdatedOct 12, 2026
Details

Model Year: 2011 to 2015

Rate History
No change since Oct 12, 2026 · 4.05% APR
3.55%4.05%4.55%Oct 12, 2026: 4.05% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.13% APR
3.63%4.13%4.63%Oct 13, 2026: 4.13% APROct 13, 2026Oct 13, 2026
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 5 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 13, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans - Risk Grade A+
4.15%
3 years
View
▼
APR4.15%
Term3 years
Last UpdatedOct 12, 2026
Details

Model Year: 2016 to 2019

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loans
4.17%
Up to 60 months
View
▼
APR4.17%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.17% APR · checked 7 times
3.67%4.17%4.67%Sep 14, 2026: 4.17% APRSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loans
4.19%
36 Months
View
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles

Rate History
No change since Sep 18, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 18, 2026: 4.19% APRSep 18, 2026Oct 13, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX, 75234 2784
New Vehicle Loans
4.24%
6 - 35 Months
View
▼
APR4.24%
Term6 - 35 Months
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Vehicle Loans
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
3301 Airport Fwy Ste 175, Bedford, TX, 76021 6123
Vehicle Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
United Credit Union Tyler, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
4901 Old Jacksonville Hwy, Tyler, TX, 75703 3373
Auto Loan
4.24%
up to 48 months
View
▼
APR4.24%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

Maximum Available Term: Up to 84 months

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX, 77019
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.24%
36 months
View
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As

Rate History
1 change since Sep 17, 2026 · 4.25% → 4.24% ▼ 0.01 pts · high 4.25% / low 4.24%
3.74%4.25%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
LCRA Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
104 E State Highway 71 Byp, La Grange, TX, 78945 4445
Vehicle Loans
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Tier Levels: A+

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans - Risk Grade A+
4.25%
4 years
View
▼
APR4.25%
Term4 years
Last UpdatedOct 12, 2026
Details

Model Year: 2020 to 2024

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
View
▼
APR4.25%
Term48 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
View
▼
APR4.25%
Term60 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2020 & newer; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Up to 60 month financing available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APROct 8, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX, 75034
New Cars Loan
4.25%
up to 60 months
View
▼
APR4.25%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 48 Months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
New Autos - Up to 48 Months
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 4.25% - 13.49%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Used Autos - Up to 36 Months
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 4.25% - 13.75%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.27%
0-36 Months
View
▼
APR4.27%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: C Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
2 changes since Sep 14, 2026 · 3.01% → 4.27% ▲ 1.26 pts · high 4.27% / low 3.01%
1.75%3.64%5.53%Sep 14, 2026: 3.01% APRSep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%▲ from 3.01%
  • Sep 14, 20263.01%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.27%
37-48 Months
View
▼
APR4.27%
Term37-48 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.27%
49-60 Months
View
▼
APR4.27%
Term49-60 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.25%
2302 Church St, Galveston, TX, 77550
Vehicle Loans
4.27%
61-75 Months
View
▼
APR4.27%
Term61-75 Months
Last UpdatedOct 13, 2026
Details

Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate

Rate History
1 change since Sep 17, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 17, 2026: 4.06% APRSep 25, 2026: 4.27% APRSep 17, 2026Oct 13, 2026
  • Sep 25, 20264.27%▲ from 4.06%
  • Sep 17, 20264.06%first recorded
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
up to 48 months
View
▼
APR4.29%
Termup to 48 months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 3 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 years
View
▼
APR4.29%
Interest Rate4.29%
Term3 years
Last UpdatedOct 12, 2026
Details

As Low As; Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
4 years
View
▼
APR4.29%
Interest Rate4.29%
Term4 years
Last UpdatedOct 12, 2026
Details

Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
New Automobile Loans 2025-2024
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Down payment: as low as 0%

Rate History
No change since Oct 9, 2026 · 4.29% APR · checked 2 times
3.79%4.29%4.79%Oct 9, 2026: 4.29% APROct 9, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% -17.99%. Year: 2026-2025; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 78 months
View
▼
APR4.29%
TermUp to 78 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2024; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 72 months
View
▼
APR4.29%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2023; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
View
▼
APR4.32%
Term1 Year
Last UpdatedOct 12, 2026
Details

Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%, 5.92%. As Low As; Loan Amount: Over $35,000

Rate History
No change since Sep 20, 2026 · 4.32% APR · checked 5 times
3.82%4.32%4.82%Sep 20, 2026: 4.32% APRSep 20, 2026Oct 13, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans (0-2 years old with few than 36,000 miles) - 54 months or Less
4.34%
54 months
View
▼
APR4.34%
Term54 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Oct 10, 2026 · 4.34% APR
3.84%4.34%4.84%Oct 10, 2026: 4.34% APROct 10, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans - Risk Grade A+
4.35%
5 years
View
▼
APR4.35%
Term5 years
Last UpdatedOct 12, 2026
Details

Model Year: 2025 to 2027

Rate History
No change since Oct 12, 2026 · 4.35% APR
3.85%4.35%4.85%Oct 12, 2026: 4.35% APROct 12, 2026Oct 13, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans - New & Used Vehicles
4.35%
Up to 60 months
View
▼
APR4.35%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value

Rate History
No change since Oct 13, 2026 · 4.35% APR
3.85%4.35%4.85%Oct 13, 2026: 4.35% APROct 13, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.38% APR
3.88%4.38%4.88%Oct 13, 2026: 4.38% APROct 13, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.39% -13.14%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 11 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 9 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 9 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
New Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Used Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 13, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 13, 2026
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
2501 S State Highway 121 BUS, Lewisville, TX, 75067 4394
Car Loans Risk Grade A - 2 Yrs
4.40%
2 years
View
▼
APR4.40%
Term2 years
Last UpdatedOct 12, 2026
Details

Model Year: 2011 to 2015; Risk Grade A

Rate History
No change since Oct 12, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 12, 2026: 4.40% APROct 12, 2026Oct 13, 2026
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.27%
901 N Veterans Blvd, Pharr, TX, 78577
Auto Loans
4.40%
Up to 84 Months
View
▼
APR4.40%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

10% down; APR*; Maximum Loan Term Based on Vehicle Age: Vehicle age + loan term cannot exceed 10 years

Rate History
1 change since Sep 14, 2026 · 5.40% → 4.40% ▼ 1.00 pts · high 5.40% / low 4.40%
3.40%4.90%6.40%Sep 14, 2026: 5.40% APROct 13, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20264.40%▼ from 5.40%
  • Sep 14, 20265.40%first recorded
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.94%
1301 Highway 35 Byp N, Alvin, TX, 77511 2681
Auto Loans
4.42%
Up to 72 months
View
▼
APR4.42%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates effective July 1, 2026

Rate History
No change since Sep 14, 2026 · 4.42% APR · checked 7 times
3.92%4.42%4.92%Sep 14, 2026: 4.42% APRSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026

Texas New Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Belton Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.90%
400 N Wall St, Belton, TX, 76513
New Vehicle Loan
1.99%
12 months
View
▼
APR1.99%
Interest Rate1.99%
Term12 months
Last UpdatedOct 10, 2026
Details

1 yr. old or newer vehicles. Pending credit approval

Rate History
No change since Sep 14, 2026 · 1.99% APR · checked 7 times
1.49%1.99%2.49%Sep 14, 2026: 1.99% APRSep 14, 2026Oct 13, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles - With Approved Credit Loan
2.00%
60 Months
View
▼
APR2.00%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Monthly Payments; APR Type: Fixed

Rate History
No change since Sep 25, 2026 · 2.00% APR · checked 3 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APRSep 25, 2026Oct 13, 2026
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
215 N 5th St Ste 224, Waco, TX, 76701 1364
New Vehicles - With Approved Credit Loan
2.25%
72 Months
View
▼
APR2.25%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Monthly Payments; APR Type: Fixed

Rate History
No change since Sep 25, 2026 · 2.25% APR · checked 3 times
1.75%2.25%2.75%Sep 25, 2026: 2.25% APRSep 25, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Grade: A+ (800+); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 2.95% APR
2.45%2.95%3.45%Oct 13, 2026: 2.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
2.95%
0-36 Months
View
▼
APR2.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed rate for the life of the loan; Rates published as APR

Rate History
No change since Sep 14, 2026 · 2.95% APR · checked 8 times
2.45%2.95%3.45%Sep 14, 2026: 2.95% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
2.99%
0-36 months
View
▼
APR2.99%
Term0-36 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 2.99% APR · checked 7 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APRSep 14, 2026Oct 13, 2026
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Auto Loans - New & Current Year Used Cars, Trucks & non-purchase collateral
2.99%
Up to 72 months
View
▼
APR2.99%
Interest Rate2.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant

Rate History
No change since Oct 13, 2026 · 2.99% APR
2.49%2.99%3.49%Oct 13, 2026: 2.99% APROct 13, 2026Oct 13, 2026
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
5211 E Parkway St, Groves, TX, 77619
New Auto
3.00%
Up to 36 months
View
▼
APR3.00%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Auto Loan Rates

Rate History
No change since Sep 14, 2026 · 3.00% APR · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APRSep 14, 2026Oct 13, 2026
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 11 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - New Autos
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 18, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 18, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 18, 20263.24%first recorded
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 3 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 13, 2026
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
183 E Price Rd, Brownsville, TX, 78521
New Auto Loan
3.70%
up to 75 months
View
▼
APR3.70%
Termup to 75 months
Last UpdatedOct 12, 2026
Details

Rate History
No change since Sep 16, 2026 · 3.70% APR · checked 5 times
3.20%3.70%4.20%Sep 16, 2026: 3.70% APRSep 16, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 7,500 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
3.84%
0 - 36 Months
View
▼
APR3.84%
Term0 - 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.84% ▲ 0.35 pts · high 3.84% / low 3.49%
2.99%3.67%4.34%Sep 14, 2026: 3.49% APRSep 18, 2026: 3.64% APROct 10, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.84%▲ from 3.64%
  • Sep 18, 20263.64%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 11 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - New Autos
3.90%
72 months
View
▼
APR3.90%
Term72 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.90% APR · checked 2 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APROct 9, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

Grade: A+ (800+); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile (NA)
3.95%
0-36 Months
View
▼
APR3.95%
Term0-36 Months
Last UpdatedOct 13, 2026
Details

Grade: A (720-799); Credit score based on TransUnion TruVision

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
New Automobile Loan
3.95%
37-60 Months
View
▼
APR3.95%
Term37-60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed rate for the life of the loan; Rates published as APR

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 8 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
New Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
17 S 1st St, Temple, TX, 76501 7603
New Auto
3.99%
36-month
View
▼
APR3.99%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
506 W Lamar St, Sherman, TX, 75090 5840
New vehicles Loan
3.99%
37-48 months
View
▼
APR3.99%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rates below are based on a minimum credit score of 700.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 7 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
1900 Preston Rd, Sweetwater, TX, 79556
New Titled Vehicle Loan
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Secured Advantage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.79%
903 W Highway St, Iowa Park, TX, 76367 1180
New Auto Loans
3.99%
Up to 84 months
View
▼
APR3.99%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Depending on Age; Rates effective as of 1/1/2026

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
1821 W Cameron Ave, Rockdale, TX, 76567
New Vehicles Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

Automobiles; Rate Range: 3.99% _ 5.94%; Rates expressed in APR

Rate History
No change since Sep 17, 2026 · 3.99% APR · checked 8 times
3.49%3.99%4.49%Sep 17, 2026: 3.99% APRSep 17, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
New Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; NEW Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.40% → 3.99% ▼ 0.41 pts · high 4.40% / low 3.99%
3.49%4.20%4.90%Sep 14, 2026: 4.40% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.99%▼ from 4.40%
  • Sep 14, 20264.40%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
3.99%
36 months
View
▼
APR3.99%
Interest Rate3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New Car Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.39%.

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
New Autos - Up to 36 Months
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 3.99% - 13.00%

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
New Auto
4.00%
48 months
View
▼
APR4.00%
Term48 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: 100%

Rate History
1 change since Sep 14, 2026 · 4.50% → 4.00% ▼ 0.50 pts · high 4.50% / low 4.00%
3.50%4.25%5.00%Sep 14, 2026: 4.50% APROct 1, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.00%▼ from 4.50%
  • Sep 14, 20264.50%first recorded
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
10001 Jack Finney Blvd, Greenville, TX, 75402
New Vehicle
4.00%
up to 94 months
View
▼
APR4.00%
Interest Rate4.00%
Termup to 94 months
Last UpdatedOct 10, 2026
Details

Published rate range: 4.00% to 12.00%.

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loan
4.00%
Up to 36 Months
View
▼
APR4.00%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.02%
2610 Network Blvd Ste 600, Frisco, TX, 75034 6009
New Cars and Trucks Loan
4.00%
36 Months
View
▼
APR4.00%
Interest Rate4.00%
Term36 Months
Last UpdatedOct 12, 2026
Details

Final rates are determined based on credit score and other factors.

Rate History
No change since Sep 16, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 16, 2026: 4.00% APRSep 16, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
View
▼
APR4.00%
Term36 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 14.00%.

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
3505 Wildewood Dr, San Angelo, TX, 76904
New Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 36 Months
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.00%
24 Months
View
▼
APR4.00%
Term24 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 13, 2026: 4.00% APROct 13, 2026Oct 13, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.12%
36 Months
View
▼
APR4.12%
Term36 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.13% APR
3.63%4.13%4.63%Oct 13, 2026: 4.13% APROct 13, 2026Oct 13, 2026
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
View
▼
APR4.14%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available

Rate History
No change since Sep 14, 2026 · 4.14% APR · checked 5 times
3.64%4.14%4.64%Sep 14, 2026: 4.14% APRSep 14, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
Pinnacle Federal Credit Union 11830 Webb Chapel Rd Ste 200, Dallas, TX, 75234 2784
New Vehicle Loans
4.24%
6 - 35 Months
View
▼
APR4.24%
Term6 - 35 Months
Last UpdatedSep 25, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
17 S 1st St, Temple, TX, 76501 7603
New Auto
4.24%
60-month
View
▼
APR4.24%
Term60-month
Last UpdatedOct 10, 2026
Details

As Low As; Estimated Payment:

Rate History
No change since Sep 14, 2026 · 4.24% APR · checked 6 times
3.74%4.24%4.74%Sep 14, 2026: 4.24% APRSep 14, 2026Oct 13, 2026
FIRST EAGLE
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
2929 Allen Pkwy, Houston, TX, 77019
New Auto
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
New Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
View
▼
APR4.25%
Term48 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
View
▼
APR4.25%
Term60 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Port Arthur Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3001 JIMMY JOHNSON BLVD, PORT ARTHUR, TX, 77642
New Car Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Up to 60 month financing available

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 14, 2026: 4.00% APROct 8, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
New Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
CCSE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2601 Network Blvd, Frisco, TX, 75034
New Cars Loan
4.25%
up to 60 months
View
▼
APR4.25%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.25% - 12.25%. As Low As; Maximum Discount Rate: 3.50%; Advertised rates are credit score based and equivalent to an A borrower with all maximum rate discounts applied (0.75%)

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
New Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As; Qualifying rate - Conditions apply

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 9 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 48 Months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
New Autos - Up to 48 Months
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 4.25% - 13.49%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 13, 2026: 4.25% APROct 13, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
4717 Hondo Pass Dr Ste A, El Paso, TX, 79904
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 years
View
▼
APR4.29%
Interest Rate4.29%
Term3 years
Last UpdatedOct 12, 2026
Details

As Low As; Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
4 years
View
▼
APR4.29%
Interest Rate4.29%
Term4 years
Last UpdatedOct 12, 2026
Details

Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
New Automobile Loans 2025-2024
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Down payment: as low as 0%

Rate History
No change since Oct 9, 2026 · 4.29% APR · checked 2 times
3.79%4.29%4.79%Oct 9, 2026: 4.29% APROct 9, 2026Oct 13, 2026
Methodist Hospital Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.23%
1441 N Beckley Ave, Dallas, TX, 75203 1201
New Vehicles New and 1 Year Old Loan
4.32%
1 Year
View
▼
APR4.32%
Term1 Year
Last UpdatedOct 12, 2026
Details

Additional APR listed for this product: 4.62%, 4.92%, 5.12%, 5.62%, 5.92%. As Low As; Loan Amount: Over $35,000

Rate History
No change since Sep 20, 2026 · 4.32% APR · checked 5 times
3.82%4.32%4.82%Sep 20, 2026: 4.32% APRSep 20, 2026Oct 13, 2026
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.85%
13649 Montfort Dr, Dallas, TX, 75240 2521
New Auto Loans (0-2 years old with few than 36,000 miles) - 54 months or Less
4.34%
54 months
View
▼
APR4.34%
Term54 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Oct 10, 2026 · 4.34% APR
3.84%4.34%4.84%Oct 10, 2026: 4.34% APROct 10, 2026Oct 13, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
7034 Alamo Downs Pkwy, San Antonio, TX, 78238
Auto Loans - 2025 & Newer
4.34%
37 - 75 Months
View
▼
APR4.34%
Term37 - 75 Months
Last UpdatedOct 10, 2026
Details

As Low As; Loan Term

Rate History
2 changes since Sep 14, 2026 · 3.89% → 4.34% ▲ 0.45 pts · high 4.34% / low 3.89%
3.39%4.12%4.84%Sep 14, 2026: 3.89% APRSep 18, 2026: 4.14% APROct 10, 2026: 4.34% APRSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.34%▲ from 4.14%
  • Sep 18, 20264.14%▲ from 3.89%
  • Sep 14, 20263.89%first recorded
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans - New & Used Vehicles
4.35%
Up to 60 months
View
▼
APR4.35%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value

Rate History
No change since Oct 13, 2026 · 4.35% APR
3.85%4.35%4.85%Oct 13, 2026: 4.35% APROct 13, 2026Oct 13, 2026
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
16597 Interstate 45 S, Conroe, TX, 77385
Auto Loan - New Vehicles
4.38%
60 Months
View
▼
APR4.38%
Term60 Months
Last UpdatedOct 13, 2026
Details

Rate Type: Fixed

Rate History
No change since Oct 13, 2026 · 4.38% APR
3.88%4.38%4.88%Oct 13, 2026: 4.38% APROct 13, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.39% -13.14%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 11 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
New Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 9 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
New Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 13, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026

Texas Used Auto Auto Loan Rates

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Auto Loans - New & Current Year Used Cars, Trucks & non-purchase collateral
2.99%
Up to 72 months
View
▼
APR2.99%
Interest Rate2.99%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant

Rate History
No change since Oct 13, 2026 · 2.99% APR
2.49%2.99%3.49%Oct 13, 2026: 2.99% APROct 13, 2026Oct 13, 2026
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
205 Center St, Deer Park, TX, 77536 2735
New & Used Automobile
3.24%
24 months to 60 months
View
▼
APR3.24%
Term24 months to 60 months
Last UpdatedOct 9, 2026
Details

Published APR range: 3.24% - 14.49%.

Rate History
No change since Sep 14, 2026 · 3.24% APR · checked 7 times
2.74%3.24%3.74%Sep 14, 2026: 3.24% APRSep 14, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.39%
Up to 36 Months
View
▼
APR3.39%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.39% APR · checked 11 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APRSep 14, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - Used Vehicle - 2025 - 60 months
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Northeast Texas Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
3320 Lamar Ave, Paris, TX, 75460 5024
Auto Purchase Loan - Used Vehicle - 2026-2027
3.40%
60 months
View
▼
APR3.40%
Term60 months
Last UpdatedOct 13, 2026
Details

Rate History
No change since Oct 9, 2026 · 3.40% APR · checked 2 times
2.90%3.40%3.90%Oct 9, 2026: 3.40% APROct 9, 2026Oct 13, 2026
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
205 N Bridge St Ste 111, Victoria, TX, 77901
New & Used Auto Loans
3.47%
36 to 72 Months
View
▼
APR3.47%
Term36 to 72 Months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above

Rate History
1 change since Sep 14, 2026 · 3.20% → 3.47% ▲ 0.27 pts · high 3.47% / low 3.20%
2.70%3.34%3.97%Sep 14, 2026: 3.20% APRSep 17, 2026: 3.47% APRSep 14, 2026Oct 13, 2026
  • Sep 17, 20263.47%▲ from 3.20%
  • Sep 14, 20263.20%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.49%
12-36 Months
View
▼
APR3.49%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.49%
12 - 36 months
View
▼
APR3.49%
Term12 - 36 months
Last UpdatedOct 10, 2026
Details

Rates shown include standard rate discounts.*

Rate History
1 change since Sep 14, 2026 · 3.24% → 3.49% ▲ 0.25 pts · high 3.49% / low 3.24%
2.74%3.37%3.99%Sep 14, 2026: 3.24% APRSep 27, 2026: 3.49% APRSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.49%▲ from 3.24%
  • Sep 14, 20263.24%first recorded
Mount Olive Baptist Church Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.98%
514 NL Robinson Dr, Arlington, TX, 76011 7473
Auto Loans - Used Vehicles (1 - 2 yrs. Old) & non-purchase collateral
3.49%
Up to 72 months
View
▼
APR3.49%
Interest Rate3.49%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published rate range: 3.49% - 11.99%. Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle

Rate History
No change since Oct 13, 2026 · 3.49% APR
2.99%3.49%3.99%Oct 13, 2026: 3.49% APROct 13, 2026Oct 13, 2026
Port of Houston Warehouse Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
1717 East Loop N Ste 160, Houston, TX, 77029 4018
New/Used Auto
3.61%
36 months
View
▼
APR3.61%
Term36 months
Last UpdatedOct 13, 2026
Details

Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000

Rate History
No change since Oct 5, 2026 · 3.61% APR · checked 3 times
3.11%3.61%4.11%Oct 5, 2026: 3.61% APROct 5, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
New, Used, or Refinanced Vehicles
3.74%
36-month
View
▼
APR3.74%
Term36-month
Last UpdatedOct 10, 2026
Details

As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.

Rate History
No change since Oct 10, 2026 · 3.74% APR
3.24%3.74%4.24%Oct 10, 2026: 3.74% APROct 10, 2026Oct 13, 2026
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2900 Decker Dr, Baytown, TX, 77520 2076
Used Autos
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As Low As; Fewer than 100,000 miles

Rate History
No change since Sep 14, 2026 · 3.74% APR · checked 6 times
3.24%3.74%4.24%Sep 14, 2026: 3.74% APRSep 14, 2026Oct 13, 2026
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
400 S Akard St, Dallas, TX, 75202 5324
New & Used Autos
3.74%
Up to 36 months
View
▼
APR3.74%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As low as; *

Rate History
1 change since Sep 16, 2026 · 3.49% → 3.74% ▲ 0.25 pts · high 3.74% / low 3.49%
2.99%3.62%4.24%Sep 16, 2026: 3.49% APROct 4, 2026: 3.74% APRSep 16, 2026Oct 13, 2026
  • Oct 4, 20263.74%▲ from 3.49%
  • Sep 16, 20263.49%first recorded
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
3.75%
Up to 36 months
View
▼
APR3.75%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: All model years; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
3.75%
Up to 36 Months
View
▼
APR3.75%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 3.75% APR · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
American Airlines Credit Union, Fort Worth, TX, 76155
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
3.89%
37-48 Months
View
▼
APR3.89%
Term37-48 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 3.89% APR · checked 11 times
3.39%3.89%4.39%Sep 14, 2026: 3.89% APRSep 14, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2022 - 2026
3.95%
Up to 60 months
View
▼
APR3.95%
TermUp to 60 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 3.95% APR · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APRSep 14, 2026Oct 13, 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.25%
4345 ALLEN GENOA RD, PASADENA, TX, 77504
Pre-Owned (Used) Automobile Loan - 37-60 Months
3.95%
37-60 months
View
▼
APR3.95%
Term37-60 months
Last UpdatedOct 13, 2026
Details

As Low As; Pre-Owned (Used) Automobile

Rate History
No change since Oct 13, 2026 · 3.95% APR
3.45%3.95%4.45%Oct 13, 2026: 3.95% APROct 13, 2026Oct 13, 2026
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.63%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
View
▼
APR3.99%
Term0 to 36 Months
Last UpdatedOct 1, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
8790 FM 1960 Bypass Rd W Ste 500A, Humble, TX, 77338 3950
New/Used Auto (up to 5 years old)
3.99%
60 Months
View
▼
APR3.99%
Term60 Months
Last UpdatedOct 10, 2026
Details

80% Financing MSRP or NADA Retail (20% down)

Rate History
No change since Sep 22, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 22, 2026: 3.99% APRSep 22, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 48 Months
View
▼
APR3.99%
TermUp to 48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Prestige Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
15203 Knoll Trail Dr Ste 101, Dallas, TX, 75248
Used Vehicle Loan (Car / Truck / SUV)
3.99%
Up to 60 Months
View
▼
APR3.99%
TermUp to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Travis County Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.45%
1101 N Interstate 35, Austin, TX, 78702 1901
Motor Vehicle New and Used Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% to 17.74%. Max Loan: 110% of price

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.52%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
View
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 18.00%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 6 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.13%
905 Aldine Bender Rd, Houston, TX, 77032
New and Used Auto Loan
3.99%
Up to 36 Months
View
▼
APR3.99%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 11.24%.

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 2 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2101 N Fulton st, Wharton, TX, 77488
New or used vehicle Loan
3.99%
up to 36 months
View
▼
APR3.99%
Termup to 36 months
Last UpdatedOct 12, 2026
Details

As Low As; New or used vehicle

Rate History
No change since Sep 16, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 16, 2026: 3.99% APRSep 16, 2026Oct 13, 2026
Sweetwater Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
1900 Preston Rd, Sweetwater, TX, 79556
Used Titled Vehicle Loan
3.99%
up to 60 months
View
▼
APR3.99%
Termup to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
Austin Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.28%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 14.55%. Used vehicle loan; Most loan rates are based on credit score; Eligible for .25% discount for online application and .25% discount with active checking account for at least 90 days

Rate History
No change since Sep 14, 2026 · 3.99% APR · checked 9 times
3.49%3.99%4.49%Sep 14, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
2421 Westport Pkwy Ste 1300, Fort Worth, TX, 76177 5311
Used Auto Loan
3.99%
Up to 36 months
View
▼
APR3.99%
TermUp to 36 months
Last UpdatedOct 13, 2026
Details

As Low As; USED Auto Loan Rates

Rate History
1 change since Sep 14, 2026 · 4.99% → 3.99% ▼ 1.00 pts · high 4.99% / low 3.99%
2.99%4.49%5.99%Sep 14, 2026: 4.99% APROct 5, 2026: 3.99% APRSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.99%▼ from 4.99%
  • Sep 14, 20264.99%first recorded
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
New and Used Other Vehicle Loans
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only

Rate History
No change since Sep 18, 2026 · 3.99% APR · checked 5 times
3.49%3.99%4.49%Sep 18, 2026: 3.99% APRSep 18, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
Up to 12 months
View
▼
APR3.99%
TermUp to 12 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
24 months
View
▼
APR3.99%
Term24 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
36 months
View
▼
APR3.99%
Term36 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
48 months
View
▼
APR3.99%
Term48 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
100 N Kimball Ave Ste 103, Southlake, TX, 76092 8024
Used Car Loan
3.99%
60 months
View
▼
APR3.99%
Term60 months
Last UpdatedOct 13, 2026
Details

APR range: 3.99% to 14.69%

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
1002 S Abe St, San Angelo, TX, 76903 7240
Used Autos
4.00%
24 to 60 months
View
▼
APR4.00%
Term24 to 60 months
Last UpdatedOct 10, 2026
Details

As low as; Maximum Loan: NADA RETAIL VALUE

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.00%
36 months or less
View
▼
APR4.00%
Term36 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.00% - 14.00%.

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
36-60 months
View
▼
APR4.00%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.00%
61-75 months
View
▼
APR4.00%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.00%
Up to 48 months
View
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: All model years; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 4 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.68%
3505 Wildewood Dr, San Angelo, TX, 76904
Used Automobiles & Light Trucks
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As

Rate History
No change since Sep 14, 2026 · 4.00% APR · checked 8 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
24 months
View
▼
APR4.00%
Term24 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.00%
36 months
View
▼
APR4.00%
Term36 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.00% APR · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APRSep 18, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 36 Months
4.00%
36 Months
View
▼
APR4.00%
Term36 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.00% APR · checked 3 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APROct 5, 2026Oct 13, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
View
▼
APR4.05%
TermUp to 36 Months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2019-2025

Rate History
No change since Sep 16, 2026 · 4.05% APR · checked 3 times
3.55%4.05%4.55%Sep 16, 2026: 4.05% APRSep 16, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
Up to 72 Months
View
▼
APR4.10%
TermUp to 72 Months
Last UpdatedOct 10, 2026
Details

As Low As; *

Rate History
No change since Sep 14, 2026 · 4.10% APR · checked 6 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APRSep 14, 2026Oct 13, 2026
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.16%
1510 N Galloway Ave, Mesquite, TX, 75149
New and Used Vehicles Loan
4.10%
84 months
View
▼
APR4.10%
Term84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.

Rate History
No change since Sep 18, 2026 · 4.10% APR · checked 5 times
3.60%4.10%4.60%Sep 18, 2026: 4.10% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
36-60 months
View
▼
APR4.15%
Term36-60 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.15%
61-75 months
View
▼
APR4.15%
Term61-75 months
Last UpdatedOct 12, 2026
Details

Tier 2 700-749; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.15% APR
3.65%4.15%4.65%Oct 12, 2026: 4.15% APROct 12, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
0-36 months
View
▼
APR4.24%
Term0-36 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
37-48 months
View
▼
APR4.24%
Term37-48 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.24%
49-60 months
View
▼
APR4.24%
Term49-60 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.24%

Rate History
No change since Oct 10, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 10, 2026: 4.24% APROct 10, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.24%
36 months
View
▼
APR4.24%
Interest Rate4.24%
Term36 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As

Rate History
1 change since Sep 17, 2026 · 4.25% → 4.24% ▼ 0.01 pts · high 4.25% / low 4.24%
3.74%4.25%4.75%Sep 17, 2026: 4.25% APROct 5, 2026: 4.24% APRSep 17, 2026Oct 13, 2026
  • Oct 5, 20264.24%▼ from 4.25%
  • Sep 17, 20264.25%first recorded
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Gulf Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
5140 W Parkway St, Groves, TX, 77619
New & Used Autos
4.25%
60 months
View
▼
APR4.25%
Term60 months
Last UpdatedOct 9, 2026
Details

As low as

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
0-24 months
View
▼
APR4.25%
Term0-24 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
25-36 months
View
▼
APR4.25%
Term25-36 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
2736 Nall St, Port Neches, TX, 77651 5204
Used Auto Loans
4.25%
37-48 months
View
▼
APR4.25%
Term37-48 months
Last UpdatedOct 10, 2026
Details

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
48 months or less
View
▼
APR4.25%
Term48 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
1939 Strickland Dr, Orange, TX, 77630 2901
New or Used Autos or Harley Davidson Motorcycles
4.25%
60 months or less
View
▼
APR4.25%
Term60 months or less
Last UpdatedOct 12, 2026
Details

Published APR range: 4.25% - 14.25%.

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Temple Inland Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.36%
109 N Temple Dr, Diboll, TX, 75941
New & Used Auto (2016-New)
4.25%
78-84 months
View
▼
APR4.25%
Term78-84 months
Last UpdatedOct 12, 2026
Details

Tier 1 750-up; Loan Type (2016-New)

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
676 Magnolia Ave, Port Neches, TX, 77651
Used Auto Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2020 & newer; Vehicles with less than 20k miles

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 4 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
View
▼
APR4.25%
Term36 to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; starting as low as 4.25%; Loans subject to approval; rate discounts up to 1.00% available

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 10 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.93%
8500 W Bay Rd # 32, Baytown, TX, 77523 8727
New/Used Vehicles Loan
4.25%
48 months
View
▼
APR4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Score: 730+; Grade of Paper: A+; Effective October 1, 2026

Rate History
No change since Sep 18, 2026 · 4.25% APR · checked 2 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APRSep 18, 2026Oct 13, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX, 77479 4097
Used Automobile Loan
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX, 77478 3678
Used Auto Loan
4.25%
48 months
View
▼
APR4.25%
Interest Rate4.25%
Term48 months
Last UpdatedOct 13, 2026
Details

Up to $250,000; As Low As

Rate History
No change since Sep 17, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 17, 2026: 4.25% APRSep 17, 2026Oct 13, 2026
Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
740 Fannin St, Beaumont, TX, 77701
New and Used Vehicle Loan - 48 Months
4.25%
48 Months
View
▼
APR4.25%
Term48 Months
Last UpdatedOct 13, 2026
Details

APR includes discounts; may vary based on credit underwriting or services used

Rate History
No change since Oct 5, 2026 · 4.25% APR · checked 3 times
3.75%4.25%4.75%Oct 5, 2026: 4.25% APROct 5, 2026Oct 13, 2026
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
24909 Kuykendahl Rd, Tomball, TX, 77375 3295
Used Autos - Up to 36 Months
4.25%
Up to 36 Months
View
▼
APR4.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Rate range: 4.25% - 13.75%

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 6 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
New or used Vehicles up to three years old Loan
4.25%
48 to 59 Months
View
▼
APR4.25%
Term48 to 59 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
Brazos Star Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
701 Harvey Rd, College Station, TX, 77840
Used Vehicles older than 3 years with less than 85k miles Loan
4.25%
Up to 48 Months
View
▼
APR4.25%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; APR range

Rate History
No change since Sep 14, 2026 · 4.25% APR · checked 8 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APRSep 14, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
3 years
View
▼
APR4.29%
Interest Rate4.29%
Term3 years
Last UpdatedOct 12, 2026
Details

As Low As; Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.80%
7200 Hillside Rd, Amarillo, TX, 79109 7460
New & Used Vehicles
4.29%
4 years
View
▼
APR4.29%
Interest Rate4.29%
Term4 years
Last UpdatedOct 12, 2026
Details

Rate includes both discounts

Rate History
No change since Sep 14, 2026 · 4.29% APR · checked 6 times
3.79%4.29%4.79%Sep 14, 2026: 4.29% APRSep 14, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 84 months
View
▼
APR4.29%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% -17.99%. Year: 2026-2025; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 78 months
View
▼
APR4.29%
TermUp to 78 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2024; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
First Watch Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
1118 Pine St, Abilene, TX, 79601 3529
Used Automobiles
4.29%
Up to 72 months
View
▼
APR4.29%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

Published APR range: 4.29% - 17.99%. Year: 2023; Maximum Loan: NADA Value

Rate History
No change since Oct 13, 2026 · 4.29% APR
3.79%4.29%4.79%Oct 13, 2026: 4.29% APROct 13, 2026Oct 13, 2026
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
1 Valero Way, San Antonio, TX, 78249 1616
Vehicle Loans - New & Used Vehicles
4.35%
Up to 60 months
View
▼
APR4.35%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Rates reduced by 0.10% APR if application is submitted online; Used vehicles financed up to 100% of NADA Retail Value

Rate History
No change since Oct 13, 2026 · 4.35% APR
3.85%4.35%4.85%Oct 13, 2026: 4.35% APROct 13, 2026Oct 13, 2026
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loan
4.39%
61-72 months
View
▼
APR4.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as*; Rate: 4.39%

Rate History
No change since Oct 10, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 10, 2026: 4.39% APROct 10, 2026Oct 13, 2026
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
2901 Sens Rd, La Porte, TX, 77571
New & Used Autos
4.39%
49 - 65 Months
View
▼
APR4.39%
Term49 - 65 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.39% -13.14%. Effective Date: Monday, October 12th, 2026; APR range

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 11 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Southwest Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
1750 Valley View Ln Ste 110, Farmers Branch, TX, 75234 9024
Used Auto
4.39%
Up to 72 months
View
▼
APR4.39%
TermUp to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Rate based on creditworthiness and term of loan

Rate History
No change since Sep 14, 2026 · 4.39% APR · checked 9 times
3.89%4.39%4.89%Sep 14, 2026: 4.39% APRSep 14, 2026Oct 13, 2026
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.30%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX, 77338 4090
Used Auto Loan
4.40%
1 to 48 months
View
▼
APR4.40%
Term1 to 48 months
Last UpdatedOct 7, 2026
Details

Model Year: Used 2026-2025; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.

Rate History
No change since Oct 7, 2026 · 4.40% APR · checked 2 times
3.90%4.40%4.90%Oct 7, 2026: 4.40% APROct 7, 2026Oct 13, 2026
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.52%
2154 FOREST LN, GARLAND, TX, 75042
New and Used Auto Loans
4.40%
60-Months
View
▼
APR4.40%
Term60-Months
Last UpdatedOct 10, 2026
Details

As low as 4.40% APR

Rate History
No change since Sep 14, 2026 · 4.40% APR · checked 6 times
3.90%4.40%4.90%Sep 14, 2026: 4.40% APRSep 14, 2026Oct 13, 2026
Tyler City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3711 Frankston Hwy, Tyler, TX, 75701
New & Used Auto 2026 to 2022 - 60 Month Term
4.40%
60 Month
View
▼
APR4.40%
Term60 Month
Last UpdatedOct 10, 2026
Details

Credit scores: 700+

Rate History
No change since Oct 10, 2026 · 4.40% APR
3.90%4.40%4.90%Oct 10, 2026: 4.40% APROct 10, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
8441 Gulf Fwy Ste 103, Houston, TX, 77017 5064
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026

Texas Auto Loan Rate Trends

Compare local Texas 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.

View Full Texas Auto Trends
New Auto Loan TX Avg
5.193%
▼ 0.046 vs 7 days ago

Texas new auto rates fell 0.046 points over the past 7 days to 5.193% APR.

Used Auto Loan TX Avg
5.711%
▼ 0.092 vs 7 days ago

Texas used auto rates fell 0.092 points over the past 7 days to 5.711% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Texas 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.

Current New Auto Avg
5.19%
APR, as of Oct 13, 2026
6-Month Forecast
5.27%
Fed hold assumed
12-Month Forecast
5.34%
Range: 4.99% to 5.54%
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.

Powered byMonitorBankRates

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 @ 5.19% APR
TX average		 Used Auto @ 5.71% APR
TX average		 Monthly Difference
$15,000 $284.40/mo $287.98/mo $3.59/mo
$25,000 $473.99/mo $479.97/mo $5.98/mo
$35,000 $663.59/mo $671.96/mo $8.37/mo
$45,000 $853.19/mo $863.95/mo $10.76/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.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Texas

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving 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.

2

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.

3

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.

4

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.

Building a down payment, or is an auto loan not the right fit?
  • Saving up for a bigger down payment: park it in a 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: Texas CD rates lock in a guaranteed return until you’re ready to buy

Texas Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$44,072
Median Individual Earnings
National avg: $47,340
5.2%
Unemployment Rate
National avg: 4.8%
13.8%
Poverty Rate
National avg: 11.1%
$569/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.19% APR

A $569 monthly car payment works out to roughly 15.5% of the median individual income in 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 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 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.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

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 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 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 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 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.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%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.

See Bad Credit Car Loans
Powered byMonitorBankRates

Frequently Asked Questions about Auto Loans in Texas

How does my credit score affect my car loan rate in Texas?

Your credit score is the biggest factor determining your auto loan APR. Borrowers in Texas with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.

Is it better to finance through a dealership or a bank?

It is highly recommended to get pre-approved through a local bank or credit union in Texas *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.

What is the difference between New and Used Auto Loan rates?

Lenders in Texas typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.

How long should my auto loan term be?

While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.

Should I get preapproved for an auto loan before visiting a dealer in Texas?

Yes. A preapproval from a bank or credit union serving Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Texas?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

What are the best Auto Loan rates in Texas?

Based on our current data, some of the lowest auto loan rates available in Texas include:
  • Belton Federal Credit Union: 1.99% (New Vehicle Loan)
  • Mclennan County Employees Federal Credit Union: 2.00% (New Vehicles - With Approved Credit Loan)
  • HIGHWAY DISTRICT 21: 2.50% (RATES ON VEHICLES - 2026 2025 2024 Loan)
  • IBEW Local 66 Federal Credit Union: 2.95% (New Automobile (NA))
  • TEXOMA EDUCATORS: 2.99% (New vehicles Loan)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: October 13, 2026

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Texas Auto Loan Calculator

Auto Loan Rates by City in Texas

  • Abbott
  • Abernathy
  • Abilene
  • Ace
  • Ackerly
  • Addison
  • Adkins
  • Adrian
  • Afton
  • Agua Dulce
  • Aiken
  • Alamo
  • Alamo Heights
  • Alanreed
  • Alba
  • Albany
  • Aledo
  • Alice
  • Alief
  • Allen
  • Alleyton
  • Allison
  • Alma
  • Alpine
  • Altair
  • Alto
  • Alton
  • Alvarado
  • Alvin
  • Alvord
  • Amarillo
  • Ames
  • Amherst
  • Anahuac
  • Anderson
  • Andrews
  • Angleton
  • Angus
  • Anna
  • Annetta
  • Annetta North
  • Annetta South
  • Annona
  • Anson
  • Anthony
  • Anton
  • Apple Springs
  • Appleby
  • Aquilla
  • Aransas Pass
  • Archer City
  • Arcola
  • Argyle
  • Arlington
  • Armstrong
  • Arp
  • Art
  • Artesia Wells
  • Arthur City
  • Asherton
  • Aspermont
  • Atascosa
  • Athens
  • Atlanta
  • Aubrey
  • Aurora
  • Austin
  • Austwell
  • Avalon
  • Avery
  • Avinger
  • Avoca
  • Axtell
  • Azle
  • Bacliff
  • Bagwell
  • Bailey
  • Bailey's Prairie
  • Baird
  • Balch Springs
  • Balcones Heights
  • Ballinger
  • Balmorhea
  • Bandera
  • Bangs
  • Banquete
  • Bardwell
  • Barker
  • Barksdale
  • Barnhart
  • Barry
  • Barstow
  • Bartlett
  • Bartonville
  • Bastrop
  • Batesville
  • Batson
  • Bay City
  • Bayou Vista
  • Bayside
  • Baytown
  • Bayview
  • Beach City
  • Bear Creek
  • Beasley
  • Beaumont
  • Bebe
  • Beckville
  • Bedford
  • Bedias
  • Bee Cave
  • Beeville
  • Bellaire
  • Bellevue
  • Bellmead
  • Bells
  • Bellville
  • Belmont
  • Belton
  • Ben Bolt
  • Ben Franklin
  • Ben Wheeler
  • Benavides
  • Benbrook
  • Bend
  • Benjamin
  • Berclair
  • Bergheim
  • Berryville
  • Bertram
  • Beverly Hills
  • Bevil Oaks
  • Big Lake
  • Big Sandy
  • Big Spring
  • Big Wells
  • Bigfoot
  • Bishop
  • Bishop Hills
  • Bivins
  • Blackwell
  • Blanco
  • Blanket
  • Bledsoe
  • Bleiblerville
  • Blessing
  • Bloomburg
  • Blooming Grove
  • Bloomington
  • Blossom
  • Blue Mound
  • Blue Ridge
  • Bluegrove
  • Bluff Dale
  • Bluffton
  • Blum
  • Boerne
  • Bogata
  • Boling
  • Bon Wier
  • Bonham
  • Bonney
  • Booker
  • Borger
  • Bovina
  • Bowie
  • Boyd
  • Boys Ranch
  • Brackettville
  • Brady
  • Brandon
  • Brashear
  • Brazoria
  • Brazos Country
  • Breckenridge
  • Bremond
  • Brenham
  • Briarcliff
  • Briaroaks
  • Bridge City
  • Bridgeport
  • Briggs
  • Briscoe
  • Broaddus
  • Bronson
  • Bronte
  • Brookeland
  • Brookesmith
  • Brookshire
  • Brookside Village
  • Brookston
  • Browndell
  • Brownfield
  • Brownsboro
  • Brownsville
  • Brownwood
  • Bruceville
  • Bruceville-Eddy
  • Bruni
  • Bryan
  • Bryson
  • Buchanan Dam
  • Buckholts
  • Buda
  • Buffalo
  • Buffalo Gap
  • Buffalo Springs Lake
  • Bula
  • Bullard
  • Bulverde
  • Buna
  • Bunker Hill Village
  • Burkburnett
  • Burke
  • Burkett
  • Burkeville
  • Burleson
  • Burlington
  • Burnet
  • Burton
  • Bushland
  • Byers
  • Bynum
  • Cactus
  • Caddo
  • Caddo Mills
  • Caldwell
  • Call
  • Calliham
  • Callisburg
  • Calvert
  • Camden
  • Cameron
  • Camp Wood
  • Campbell
  • Campbellton
  • Canadian
  • Caney City
  • Canton
  • Canutillo
  • Canyon
  • Canyon Lake
  • Carbon
  • Carey
  • Carl's Corner
  • Carlsbad
  • Carlton
  • Carmine
  • Carrizo Springs
  • Carrollton
  • Carthage
  • Cashion Community
  • Cason
  • Castell
  • Castle Hills
  • Castroville
  • Cat Spring
  • Catarina
  • Cayuga
  • Cedar Creek
  • Cedar Hill
  • Cedar Lane
  • Cedar Park
  • Cee Vee
  • Celeste
  • Celina
  • Center
  • Center Point
  • Centerville
  • Centralia
  • Chalk
  • Chandler
  • Channelview
  • Channing
  • Chapman Ranch
  • Chappell Hill
  • Charlotte
  • Chatfield
  • Cherokee
  • Chester
  • Chico
  • Chicota
  • Childress
  • Chillicothe
  • Chilton
  • China
  • China Grove
  • China Spring
  • Chireno
  • Chriesman
  • Christine
  • Christoval
  • Cibolo
  • Cisco
  • Clarendon
  • Clarksville
  • Clarksville City
  • Claude
  • Clay
  • Clayton
  • Clear Lake Shores
  • Cleburne
  • Cleveland
  • Clifton
  • Clint
  • Clute
  • Clyde
  • Coahoma
  • Cockrell Hill
  • Coffee City
  • Coldspring
  • Coleman
  • College Station
  • Collegeport
  • Colleyville
  • Collinsville
  • Colmesneil
  • Colorado City
  • Columbus
  • Comanche
  • Combes
  • Combine
  • Comfort
  • Commerce
  • Como
  • Comstock
  • Concan
  • Concepcion
  • Concord
  • Conroe
  • Converse
  • Cookville
  • Cool
  • Coolidge
  • Cooper
  • Copeville
  • Coppell
  • Copper Canyon
  • Copperas Cove
  • Corinth
  • Corpus Christi
  • Corral City
  • Corrigan
  • Corsicana
  • Cost
  • Cotton Center
  • Cottonwood
  • Cottonwood Shores
  • Cotulla
  • Coupland
  • Cove
  • Covington
  • Coyanosa
  • Coyote Flats
  • Crandall
  • Crane
  • Cranfills Gap
  • Crawford
  • Creedmoor
  • Cresson
  • Crockett
  • Crosby
  • Crosbyton
  • Cross Plains
  • Cross Roads
  • Cross Timber
  • Crowell
  • Crowley
  • Crystal City
  • Cuero
  • Cumby
  • Cuney
  • Cunningham
  • Cushing
  • Cut and Shoot
  • Cypress
  • D Hanis
  • Daingerfield
  • Daisetta
  • Dale
  • Dalhart
  • Dallardsville
  • Dallas
  • Dalworthington Gardens
  • Damon
  • Danbury
  • Danciger
  • Danevang
  • Darrouzett
  • Davilla
  • Dawn
  • Dawson
  • Dayton
  • Dayton Lakes
  • De Berry
  • De Kalb
  • De Leon
  • Dean
  • Deanville
  • Decatur
  • DeCordova
  • Deer Park
  • Del Rio
  • Del Valle
  • Dell City
  • Delmita
  • Denison
  • Dennis
  • Denton
  • Denver City
  • Deport
  • Desdemona
  • Desoto
  • Detroit
  • Devers
  • Devine
  • Deweyville
  • Diana
  • Diboll
  • Dickens
  • Dickinson
  • Dike
  • Dilley
  • Dime Box
  • Dimmitt
  • Dinero
  • DISH
  • Dobbin
  • Dodd City
  • Dodge
  • Dodson
  • Domino
  • Donie
  • Donna
  • Doole
  • Dorchester
  • Doss
  • Double Horn
  • Double Oak
  • Doucette
  • Dougherty
  • Douglass
  • Douglassville
  • Driftwood
  • Dripping Springs
  • Driscoll
  • Dryden
  • Dublin
  • Dumas
  • Dumont
  • Duncanville
  • Dunn
  • Eagle Lake
  • Eagle Pass
  • Early
  • Earth
  • East Bernard
  • East Mountain
  • East Tawakoni
  • Eastland
  • Easton
  • Ecleto
  • Ector
  • Edcouch
  • Eddy
  • Eden
  • Edgecliff Village
  • Edgewood
  • Edinburg
  • Edmonson
  • Edna
  • Edom
  • Edroy
  • Egypt
  • El Campo
  • El Cenizo
  • El Indio
  • El Lago
  • El Paso
  • Eldorado
  • Electra
  • Elgin
  • Elkhart
  • Ellinger
  • Elm Mott
  • Elmaton
  • Elmendorf
  • Elmo
  • Elsa
  • Elysian Fields
  • Emhouse
  • Emory
  • Enchanted Oaks
  • Encinal
  • Encino
  • Energy
  • Enloe
  • Ennis
  • Enochs
  • Eola
  • Era
  • Escobares
  • Estelline
  • Etoile
  • Euless
  • Eureka
  • Eustace
  • Evadale
  • Evant
  • Everman
  • Fabens
  • Fair Oaks Ranch
  • Fairchilds
  • Fairfield
  • Fairview
  • Falcon Heights
  • Falfurrias
  • Falls City
  • Fannin
  • Farmers Branch
  • Farmersville
  • Farnsworth
  • Farwell
  • Fate
  • Fayetteville
  • Fentress
  • Ferris
  • Fieldton
  • Fischer
  • Flat
  • Flatonia
  • Flint
  • Flomot
  • Florence
  • Floresville
  • Flower Mound
  • Floydada
  • Fluvanna
  • Flynn
  • Follett
  • Forest Hill
  • Forestburg
  • Forney
  • Forreston
  • Forsan
  • Fort Davis
  • Fort Hancock
  • Fort McKavett
  • Fort Stockton
  • Fort Worth
  • Fowlerton
  • Francitas
  • Franklin
  • Frankston
  • Fred
  • Fredericksburg
  • Fredonia
  • Freeport
  • Freer
  • Fresno
  • Friendswood
  • Friona
  • Frisco
  • Fritch
  • Frost
  • Fruitvale
  • Fulshear
  • Fulton
  • Gail
  • Gainesville
  • Galena Park
  • Gallatin
  • Galveston
  • Ganado
  • Garciasville
  • Garden City
  • Garden Ridge
  • Gardendale
  • Garland
  • Garrett
  • Garrison
  • Garwood
  • Gary
  • Gary City
  • Gatesville
  • Gause
  • Geneva
  • George West
  • Georgetown
  • Geronimo
  • Gholson
  • Giddings
  • Gilchrist
  • Gillett
  • Gilmer
  • Girard
  • Girvin
  • Gladewater
  • Glen Flora
  • Glen Rose
  • Glenn Heights
  • Glidden
  • Gober
  • Godley
  • Golden
  • Goldsboro
  • Goldsmith
  • Goldthwaite
  • Goliad
  • Golinda
  • Gonzales
  • Goodlow
  • Goodrich
  • Gordon
  • Gordonville
  • Goree
  • Gorman
  • Gouldbusk
  • Graford
  • Graham
  • Granbury
  • Grand Prairie
  • Grand Saline
  • Grandfalls
  • Grandview
  • Granger
  • Granite Shoals
  • Granjeno
  • Grapeland
  • Grapevine
  • Grays Prairie
  • Greenville
  • Greenwood
  • Gregory
  • Grey Forest
  • Groesbeck
  • Groom
  • Groves
  • Groveton
  • Grulla
  • Gruver
  • Guerra
  • Gun Barrel City
  • Gunter
  • Gustine
  • Guthrie
  • Guy
  • Hackberry
  • Hale Center
  • Hallettsville
  • Hallsburg
  • Hallsville
  • Haltom City
  • Hamilton
  • Hamlin
  • Hamshire
  • Hankamer
  • Happy
  • Hardin
  • Hargill
  • Harker Heights
  • Harleton
  • Harlingen
  • Harper
  • Harrold
  • Hart
  • Hartley
  • Harwood
  • Haskell
  • Haslet
  • Hawk Cove
  • Hawkins
  • Hawley
  • Hays
  • Hearne
  • Heath
  • Hebbronville
  • Hebron
  • Hedley
  • Hedwig Village
  • Heidenheimer
  • Helotes
  • Hemphill
  • Hempstead
  • Henderson
  • Henrietta
  • Hereford
  • Hermleigh
  • Hewitt
  • Hext
  • Hickory Creek
  • Hico
  • Hidalgo
  • Hideaway
  • Higgins
  • High Island
  • Highland Haven
  • Highland Park
  • Highland Village
  • Highlands
  • Hill Country Village
  • Hillcrest Village
  • Hillister
  • Hillsboro
  • Hilshire Village
  • Hitchcock
  • Hobson
  • Hochheim
  • Hockley
  • Holiday Lakes
  • Holland
  • Holliday
  • Hollywood Park
  • Hondo
  • Honey Grove
  • Hooks
  • Horizon City
  • Horseshoe Bay
  • Houston
  • Howardwick
  • Howe
  • Hubbard
  • Hudson
  • Hudson Oaks
  • Huffman
  • Hufsmith
  • Hughes Springs
  • Hull
  • Humble
  • Hungerford
  • Hunt
  • Hunters Creek Village
  • Huntington
  • Huntsville
  • Hurst
  • Hutchins
  • Hutto
  • Huxley
  • Hye
  • Idalou
  • Impact
  • Imperial
  • Indian Lake
  • Industry
  • Inez
  • Ingleside
  • Ingleside on the Bay
  • Ingram
  • Iola
  • Iowa Colony
  • Iowa Park
  • Ira
  • Iraan
  • Iredell
  • Irene
  • Irving
  • Italy
  • Itasca
  • Ivanhoe
  • Jacinto City
  • Jacksboro
  • Jacksonville
  • Jamaica Beach
  • Jarrell
  • Jasper
  • Jayton
  • Jefferson
  • Jermyn
  • Jersey Village
  • Jewett
  • Joaquin
  • Johnson City
  • Joinerville
  • Jolly
  • Jones Creek
  • Jonesboro
  • Jonestown
  • Jonesville
  • Josephine
  • Joshua
  • Jourdanton
  • Judson
  • Junction
  • Justiceburg
  • Justin
  • Kamay
  • Karnack
  • Karnes City
  • Katy
  • Kaufman
  • Keene
  • Keller
  • Kemah
  • Kemp
  • Kempner
  • Kendalia
  • Kendleton
  • Kenedy
  • Kenefick
  • Kennard
  • Kennedale
  • Kenney
  • Kerens
  • Kermit
  • Kerrville
  • Kildare
  • Kilgore
  • Killeen
  • Kingsbury
  • Kingsland
  • Kingsville
  • Kirby
  • Kirbyville
  • Kirkland
  • Kirvin
  • Klondike
  • Knickerbocker
  • Knippa
  • Knollwood
  • Knott
  • Knox City
  • Kopperl
  • Kosse
  • Kountze
  • Kress
  • Krugerville
  • Krum
  • Kurten
  • Kyle
  • La Blanca
  • La Coste
  • La Feria
  • La Grange
  • La Grulla
  • La Joya
  • La Marque
  • La Porte
  • La Pryor
  • La Salle
  • La Vernia
  • La Victoria
  • La Villa
  • La Ward
  • Lacy-Lakeview
  • Ladonia
  • Lago Vista
  • Laguna Park
  • Laguna Vista
  • Laird Hill
  • Lake Bridgeport
  • Lake City
  • Lake Creek
  • Lake Dallas
  • Lake Jackson
  • Lake Tanglewood
  • Lake Worth
  • Lakeport
  • Lakeside
  • Lakeside City
  • Lakeview
  • Lakeway
  • Lakewood Village
  • Lamesa
  • Lampasas
  • Lancaster
  • Lane City
  • Laneville
  • Langtry
  • Laredo
  • Larue
  • Lasara
  • Latexo
  • Laughlin A F B
  • Lavon
  • Lawn
  • Lazbuddie
  • League City
  • Leakey
  • Leander
  • Leary
  • Ledbetter
  • Leesburg
  • Leesville
  • Lefors
  • Leggett
  • Lelia Lake
  • Leming
  • Lenorah
  • Leon Junction
  • Leon Valley
  • Leona
  • Leonard
  • Leroy
  • Levelland
  • Lewisville
  • Lexington
  • Liberty
  • Liberty Hill
  • Lillian
  • Lincoln
  • Lindale
  • Linden
  • Lindsay
  • Lingleville
  • Linn
  • Lipan
  • Lipscomb
  • Lissie
  • Little Elm
  • Little River
  • Little River-Academy
  • Littlefield
  • Live Oak
  • Liverpool
  • Livingston
  • Llano
  • Lockhart
  • Lockney
  • Lodi
  • Log Cabin
  • Lohn
  • Lolita
  • Lometa
  • London
  • Lone Oak
  • Lone Star
  • Long Branch
  • Long Mott
  • Longview
  • Loop
  • Lopeno
  • Loraine
  • Lorena
  • Lorenzo
  • Los Ebanos
  • Los Fresnos
  • Los Indios
  • Los Ybanez
  • Lott
  • Louise
  • Lovelady
  • Loving
  • Lowake
  • Lowry Crossing
  • Lozano
  • Lubbock
  • Lucas
  • Lueders
  • Lufkin
  • Luling
  • Lumberton
  • Lyford
  • Lyons
  • Lytle
  • Mabank
  • Macdona
  • Madisonville
  • Magnolia
  • Malakoff
  • Malone
  • Manchaca
  • Manor
  • Mansfield
  • Manvel
  • Maple
  • Marathon
  • Marble Falls
  • Marfa
  • Marietta
  • Marion
  • Markham
  • Marlin
  • Marquez
  • Marshall
  • Mart
  • Martindale
  • Martinsville
  • Maryneal
  • Mason
  • Masterson
  • Matador
  • Matagorda
  • Mathis
  • Maud
  • Mauriceville
  • Maxwell
  • May
  • Maydelle
  • Maypearl
  • Maysfield
  • Mcadoo
  • McAllen
  • McCamey
  • McCaulley
  • McCoy
  • McDade
  • Mcfaddin
  • McGregor
  • McKinney
  • Mclean
  • McLendon-Chisholm
  • McLeod
  • McNeil
  • McQueeney
  • Meadow
  • Meadowlakes
  • Meadows Place
  • Medina
  • Megargel
  • Melissa
  • Melvin
  • Memphis
  • Menard
  • Mentone
  • Mercedes
  • Mereta
  • Meridian
  • Merit
  • Merkel
  • Mertens
  • Mertzon
  • Mesquite
  • Mexia
  • Meyersville
  • Miami
  • Mico
  • Midfield
  • Midkiff
  • Midland
  • Midlothian
  • Midway
  • Milam
  • Milano
  • Mildred
  • Miles
  • Milford
  • Miller's Cove
  • Millersview
  • Millican
  • Millsap
  • Minden
  • Mineola
  • Mineral
  • Mineral Wells
  • Mingus
  • Mirando City
  • Mission
  • Missouri City
  • Mobeetie
  • Mobile City
  • Monahans
  • Mont Belvieu
  • Montague
  • Montalba
  • Montgomery
  • Moody
  • Moore
  • Moore Station
  • Moran
  • Morgan
  • Morgan Mill
  • Morgan's Point
  • Morgan's Point Resort
  • Morse
  • Morton
  • Moscow
  • Moulton
  • Mound
  • Mount Calm
  • Mount Enterprise
  • Mount Pleasant
  • Mount Vernon
  • Mountain City
  • Mountain Home
  • Muenster
  • Muldoon
  • Muleshoe
  • Mullin
  • Mumford
  • Munday
  • Murchison
  • Murphy
  • Mustang Ridge
  • Myra
  • Nacogdoches
  • Nada
  • Naples
  • Nash
  • Nassau Bay
  • Natalia
  • Naval Air Station/ Jrb
  • Navarro
  • Navasota
  • Nazareth
  • Neches
  • Nederland
  • Needville
  • Nemo
  • Nevada
  • New Baden
  • New Berlin
  • New Boston
  • New Braunfels
  • New Caney
  • New Chapel Hill
  • New Deal
  • New Fairview
  • New Home
  • New Hope
  • New London
  • New Summerfield
  • New Ulm
  • New Waverly
  • Newark
  • Newcastle
  • Newgulf
  • Newton
  • Neylandville
  • Niederwald
  • Nixon
  • Nocona
  • Nolan
  • Nolanville
  • Nome
  • Noonday
  • Nordheim
  • Normangee
  • Normanna
  • North Cleveland
  • North Houston
  • North Richland Hills
  • North Zulch
  • Northlake
  • Norton
  • Notrees
  • Novice
  • Nursery
  • O Brien
  • Oak Grove
  • Oak Leaf
  • Oak Point
  • Oak Ridge
  • Oak Ridge North
  • Oak Valley
  • Oakhurst
  • Oakland
  • Oakville
  • Oakwood
  • Odell
  • Odem
  • Odessa
  • Odonnell
  • Oglesby
  • Oilton
  • Oklaunion
  • Old Glory
  • Old Ocean
  • Old River-Winfree
  • Olden
  • Olmito
  • Olmos Park
  • Olney
  • Olton
  • Omaha
  • Onalaska
  • Opdyke West
  • Orange
  • Orange Grove
  • Orangefield
  • Orchard
  • Ore City
  • Orla
  • Ottine
  • Otto
  • Ovalo
  • Overton
  • Ovilla
  • Oyster Creek
  • Ozona
  • Paducah
  • Paige
  • Paint Rock
  • Palacios
  • Palestine
  • Palisades
  • Palm Valley
  • Palmer
  • Palmhurst
  • Palmview
  • Palo Pinto
  • Paluxy
  • Pampa
  • Pandora
  • Panhandle
  • Panna Maria
  • Panola
  • Panorama Village
  • Pantego
  • Paradise
  • Paris
  • Parker
  • Pasadena
  • Pattison
  • Patton Village
  • Pattonville
  • Pawnee
  • Payne Springs
  • Pear Valley
  • Pearland
  • Pearsall
  • Peaster
  • Pecan Gap
  • Pecan Hill
  • Pecos
  • Peggy
  • Pelican Bay
  • Pendleton
  • Penelope
  • Penitas
  • Pennington
  • Penwell
  • Pep
  • Perrin
  • Perry
  • Perryton
  • Petersburg
  • Petrolia
  • Petronila
  • Pettus
  • Petty
  • Pflugerville
  • Pharr
  • Pickton
  • Pierce
  • Pilot Point
  • Pine Forest
  • Pine Island
  • Pinehurst
  • Pineland
  • Piney Point Village
  • Pipe Creek
  • Pittsburg
  • Placedo
  • Plains
  • Plainview
  • Plano
  • Plantersville
  • Pleak
  • Pleasant Valley
  • Pleasanton
  • Pledger
  • Plum
  • Plum Grove
  • Poetry
  • Point
  • Point Comfort
  • Point Venture
  • Pointblank
  • Pollok
  • Ponder
  • Pontotoc
  • Poolville
  • Port Aransas
  • Port Arthur
  • Port Bolivar
  • Port Isabel
  • Port Lavaca
  • Port Mansfield
  • Port Neches
  • Port O Connor
  • Porter
  • Portland
  • Post
  • Post Oak Bend
  • Poteet
  • Poth
  • Pottsboro
  • Pottsville
  • Powderly
  • Powell
  • Poynor
  • Prairie Hill
  • Prairie Lea
  • Prairie View
  • Premont
  • Presidio
  • Price
  • Priddy
  • Primera
  • Princeton
  • Proctor
  • Progreso
  • Progreso Lakes
  • Prosper
  • Providence Village
  • Purdon
  • Purmela
  • Putnam
  • Pyote
  • Quail
  • Quanah
  • Queen City
  • Quemado
  • Quinlan
  • Quintana
  • Quitaque
  • Quitman
  • Rainbow
  • Ralls
  • Rancho Alegre
  • Rancho Viejo
  • Randolph
  • Ranger
  • Rankin
  • Ransom Canyon
  • Ratcliff
  • Ravenna
  • Raymondville
  • Raywood
  • Reagan
  • Realitos
  • Red Lick
  • Red Oak
  • Red Rock
  • Redford
  • Redwater
  • Refugio
  • Reklaw
  • Reno
  • Retreat
  • Rhome
  • Rice
  • Richards
  • Richardson
  • Richland
  • Richland Hills
  • Richland Springs
  • Richmond
  • Richwood
  • Riesel
  • Ringgold
  • Rio Bravo
  • Rio Frio
  • Rio Grande City
  • Rio Hondo
  • Rio Medina
  • Rio Vista
  • Rising Star
  • River Oaks
  • Riverside
  • Riviera
  • Road Runner
  • Roanoke
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  • Roaring Springs
  • Robert Lee
  • Robinson
  • Robstown
  • Roby
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  • Rochester
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  • Rocksprings
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  • Rockwood
  • Rocky Mound
  • Rogers
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  • Roma
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  • Romayor
  • Roosevelt
  • Ropesville
  • Rosanky
  • Roscoe
  • Rose City
  • Rose Hill Acres
  • Rosebud
  • Rosenberg
  • Rosharon
  • Ross
  • Rosser
  • Rosston
  • Rotan
  • Round Mountain
  • Round Rock
  • Round Top
  • Rowena
  • Rowlett
  • Roxton
  • Royalty
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  • Rule
  • Runaway Bay
  • Runge
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  • Rye
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  • Saltillo
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  • San Angelo
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  • San Patricio
  • San Perlita
  • San Saba
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  • Sanctuary
  • Sanderson
  • Sandia
  • Sandy
  • Sandy Oaks
  • Sandy Point
  • Sanford
  • Sanger
  • Sansom Park
  • Santa Anna
  • Santa Clara
  • Santa Elena
  • Santa Fe
  • Santa Maria
  • Santa Rosa
  • Santo
  • Saragosa
  • Saratoga
  • Sarita
  • Satin
  • Savoy
  • Schertz
  • Schulenburg
  • Schwertner
  • Scotland
  • Scottsville
  • Scroggins
  • Scurry
  • Seabrook
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  • Seagoville
  • Seagraves
  • Sealy
  • Sebastian
  • Seguin
  • Selma
  • Selman City
  • Seminole
  • Seven Oaks
  • Seven Points
  • Seymour
  • Shady Shores
  • Shafter
  • Shallowater
  • Shamrock
  • Shavano Park
  • Sheffield
  • Shelbyville
  • Shenandoah
  • Shepherd
  • Sheridan
  • Sherman
  • Shiner
  • Shiro
  • Shoreacres
  • Sidney
  • Sienna Plantation
  • Sierra Blanca
  • Silsbee
  • Silver
  • Silverton
  • Simms
  • Simonton
  • Sinton
  • Skellytown
  • Skidmore
  • Slaton
  • Slidell
  • Smiley
  • Smithville
  • Smyer
  • Snook
  • Snyder
  • Socorro
  • Somerset
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  • Sonora
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  • South Bend
  • South Frydek
  • South Houston
  • South Mountain
  • South Padre Island
  • South Plains
  • Southlake
  • Southmayd
  • Southside Place
  • Spade
  • Speaks
  • Spearman
  • Spicewood
  • Splendora
  • Spofford
  • Spring
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  • Spring Valley Village
  • Springlake
  • Springtown
  • Spur
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  • Stafford
  • Stagecoach
  • Stamford
  • Stanton
  • Staples
  • Star
  • Star Harbor
  • Stephenville
  • Sterling City
  • Stinnett
  • Stockdale
  • Stockton Bend
  • Stonewall
  • Stowell
  • Stratford
  • Strawn
  • Streetman
  • Sublime
  • Sudan
  • Sugar Land
  • Sullivan City
  • Sulphur Bluff
  • Sulphur Springs
  • Summerfield
  • Sumner
  • Sun Valley
  • Sundown
  • Sunnyvale
  • Sunray
  • Sunrise Beach Village
  • Sunset
  • Sunset Valley
  • Surfside Beach
  • Sutherland Springs
  • Sweeny
  • Sweet Home
  • Sweetwater
  • Sylvester
  • Taft
  • Tahoka
  • Talco
  • Talpa
  • Talty
  • Tarpley
  • Tarzan
  • Tatum
  • Taylor
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  • Taylor Landing
  • Teague
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  • Telegraph
  • Telephone
  • Telferner
  • Tell
  • Temple
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  • Tennessee Colony
  • Tennyson
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  • Terrell
  • Terrell Hills
  • Texarkana
  • Texas City
  • Texhoma
  • Texline
  • The Colony
  • The Hills
  • Thicket
  • Thomaston
  • Thompsons
  • Thorndale
  • Thornton
  • Thorntonville
  • Thrall
  • Three Rivers
  • Throckmorton
  • Tiki Island
  • Tilden
  • Timbercreek Canyon
  • Timpson
  • Tioga
  • Tira
  • Tivoli
  • Toco
  • Todd Mission
  • Tokio
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  • Tool
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  • Trent
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  • Uncertain
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  • Universal City
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  • Utopia
  • Uvalde
  • Valentine
  • Valera
  • Valley Mills
  • Valley Spring
  • Valley View
  • Van
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  • Van Vleck
  • Vancourt
  • Vanderbilt
  • Vanderpool
  • Vega
  • Venus
  • Veribest
  • Vernon
  • Victoria
  • Vidor
  • Village Mills
  • Vinton
  • Voca
  • Volente
  • Von Ormy
  • Voss
  • Votaw
  • Voth
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  • Wadsworth
  • Waelder
  • Waka
  • Wake Village
  • Walburg
  • Wall
  • Waller
  • Wallis
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  • Warda
  • Waring
  • Warren
  • Warren City
  • Washington
  • Waskom
  • Watauga
  • Water Valley
  • Waxahachie
  • Wayside
  • Weatherford
  • Webberville
  • Webster
  • Weesatche
  • Weimar
  • Weinert
  • Weir
  • Welch
  • Wellborn
  • Wellington
  • Wellman
  • Wells
  • Weslaco
  • West
  • West Columbia
  • West Lake Hills
  • West Orange
  • West Point
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  • West University Place
  • Westbrook
  • Westhoff
  • Westlake
  • Westminster
  • Weston
  • Weston Lakes
  • Westover Hills
  • Westworth Village
  • Wharton
  • Wheeler
  • Wheelock
  • White Deer
  • White Oak
  • White Settlement
  • Whiteface
  • Whitehouse
  • Whitesboro
  • Whitewright
  • Whitharral
  • Whitney
  • Whitsett
  • Whitt
  • Wichita Falls
  • Wickett
  • Wiergate
  • Wildorado
  • Willis
  • Willow City
  • Willow Park
  • Wills Point
  • Wilmer
  • Wilson
  • Wimberley
  • Windcrest
  • Windom
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  • Winfield
  • Wingate
  • Wink
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  • Winona
  • Winters
  • Wixon Valley
  • Woden
  • Wolfe City
  • Wolfforth
  • Woodbranch
  • Woodcreek
  • Woodlake
  • Woodlawn
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  • Woodsboro
  • Woodson
  • Woodville
  • Woodway
  • Wortham
  • Wrightsboro
  • Wylie
  • Yancey
  • Yantis
  • Yoakum
  • Yorktown
  • Zapata
  • Zavalla
  • Zephyr