Auto Loan Rates in Austin, Texas (TX) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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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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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 Austin, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Austin, Texas include Members Choice Credit UnionMembers Choice Credit Union4100 Smith School Rd # 1, Austin, TX, 78744 3205A5.0 ★Texas Ratio: 7.88% offering New and Pre-Owned Autos at 3.24%, United Heritage Credit UnionUnited Heritage Credit Union12208 N Mopac Expy, Austin, TX, 78758A5.0 ★Texas Ratio: 7.17% offering New/Used Auto Loan at 3.99%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.29% offering Auto Loan at 3.99%, Amplify Credit UnionAmplify Credit Union2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772A+5.0 ★Texas Ratio: 2.58% offering Auto Loan (New/Used) at 4.80%, Public Employees Credit UnionPublic Employees Credit Union306 E 10th St, Austin, TX, 78701A+5.0 ★Texas Ratio: 1.09% offering New and Used Autos - 2025 and Newer at 4.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Austin has 13 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 4100 Smith School Rd # 1, Austin, TX, 78744 3205. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Austin, Texas. Auto Loan Rates Last Updated and Verified: July 16, 2026
Compare Auto Loan Rates Today in Austin, Texas & Surrounding Area
Austin Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 16, 2026
Details
As Low As; *
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
up to 48 months
▼
APR4.29%
Termup to 48 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
up to 60 months
▼
APR4.49%
Termup to 60 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.79%
up to 66 months
▼
APR4.79%
Termup to 66 months
Last UpdatedJul 16, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.99%
up to 72 months
▼
APR4.99%
Termup to 72 months
Last UpdatedJul 16, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.00%
49 - 66 Months
▼
APR5.00%
Term49 - 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
5.04%
Up to 66 months*
▼
APR5.04%
TermUp to 66 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 6 to 7 year old models
5.04%
Up to 54 months
▼
APR5.04%
TermUp to 54 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.04% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.04% with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.20%
67 - 75 Months
▼
APR5.20%
Term67 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
3209 Ranch Road 620 S, Austin, TX, 78738
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX, 78738
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 14, 2026
Details
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
5.24%
Over 67 to 75 months*
▼
APR5.24%
TermOver 67 to 75 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 6 to 7 year old models
5.24%
55 to 60 months
▼
APR5.24%
Term55 to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 8 to 10 year old models
5.24%
Up to 36 months
▼
APR5.24%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
5.24%
67 to 75 months
▼
APR5.24%
Term67 to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66 months
▼
APR5.24%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.24%
6-36 months
▼
APR5.24%
Term6-36 months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated Payment Terms: $30.08 per $1,000 per month for 36 months
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.34%
49 to 60 Months
▼
APR5.34%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72 months
▼
APR5.49%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
5.49%
12 - 66 months
▼
APR5.49%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $5,000
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
5.49%
6-36 months
▼
APR5.49%
Term6-36 months
Last UpdatedJul 15, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase
5.49%
6-36 Months
▼
APR5.49%
Term6-36 Months
Last UpdatedJul 15, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.49%
6-36 months
▼
APR5.49%
Term6-36 months
Last UpdatedJul 15, 2026
Details
As low as
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 36 Months
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
5.74%
67 - 72 months
▼
APR5.74%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $15,000
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
5.74%
67-78 months
▼
APR5.74%
Term67-78 months
Last UpdatedJul 15, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.74%
67-78 months
▼
APR5.74%
Term67-78 months
Last UpdatedJul 15, 2026
Details
As low as
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loan
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.79%
79-84 months
▼
APR5.79%
Term79-84 months
Last UpdatedJul 15, 2026
Details
As Low As; Estimated Payment Terms: $14.51 per $1,000 per month for 84 months
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 66 Months
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.95%
73 to 84 Months
▼
APR5.95%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 16, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
5.99%
up to 84 months
▼
APR5.99%
Termup to 84 months
Last UpdatedJul 16, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 75 Months
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
6.00%
76 - 84 Months
▼
APR6.00%
Term76 - 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
6.09%
Over 76 to 84 months*
▼
APR6.09%
TermOver 76 to 84 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
6.09%
76 to 84 months
▼
APR6.09%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 6.09% with Member Rewardsâ€
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 Months
▼
APR6.15%
Term49 - 63 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $25,000
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
6.25%
12 to 48 Months
▼
APR6.25%
Term12 to 48 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loan
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.30%
76 - 84 Months
▼
APR6.30%
Term76 - 84 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
6.49%
79-84 months
▼
APR6.49%
Term79-84 months
Last UpdatedJul 15, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
6.49%
79-84 months
▼
APR6.49%
Term79-84 months
Last UpdatedJul 15, 2026
Details
As low as
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loan
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
6.64%
49 to 66 Months
▼
APR6.64%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
6.75%
49 to 66 Months
▼
APR6.75%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 84 Months
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
6.89%
67 Plus Months
▼
APR6.89%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Good credit tier
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.00%
0 - 60 Months
▼
APR7.00%
Term0 - 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
7.00%
12 to 48 Months
▼
APR7.00%
Term12 to 48 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
7.49%
1 to 48 Months
▼
APR7.49%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
7.50%
49 to 66 Months
▼
APR7.50%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.65%
61 - 75 Months
▼
APR7.65%
Term61 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
7.89%
49 to 66 Months
▼
APR7.89%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.00%
12 to 48 Months
▼
APR8.00%
Term12 to 48 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
8.14%
67 Plus Months
▼
APR8.14%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.25%
12 to 36 Months
▼
APR8.25%
Term12 to 36 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.50%
49 to 66 Months
▼
APR8.50%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.75%
37 to 60 Months
▼
APR8.75%
Term37 to 60 Months
Last UpdatedJul 11, 2026
Details
Excellent credit tier
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.00%
85 - 96 Months
▼
APR9.00%
Term85 - 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
9.00%
12 to 36 Months
▼
APR9.00%
Term12 to 36 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
9.39%
1 to 48 Months
▼
APR9.39%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Fair credit tier
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
Vehicle Loans
9.49%
24 months
▼
APR9.49%
Term24 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.50%
97 - 120 Months
▼
APR9.50%
Term97 - 120 Months
Last UpdatedJul 11, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
9.50%
37 to 60 Months
▼
APR9.50%
Term37 to 60 Months
Last UpdatedJul 11, 2026
Details
Good credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
9.64%
49 to 66 Months
▼
APR9.64%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Fair credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
9.89%
67 Plus Months
▼
APR9.89%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Fair credit tier
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
Vehicle Loans
9.99%
36 months
▼
APR9.99%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
10.00%
12 to 36 Months
▼
APR10.00%
Term12 to 36 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
Vehicle Loans
10.24%
48 months
▼
APR10.24%
Term48 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
Vehicle Loans
10.49%
60 months
▼
APR10.49%
Term60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedJul 11, 2026
Details
Average credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
14.65%
1 to 48 Months
▼
APR14.65%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
15.10%
49 to 66 Months
▼
APR15.10%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
15.35%
67 Plus Months
▼
APR15.35%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.25%
1 to 48 Months
▼
APR17.25%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.70%
49 to 66 Months
▼
APR17.70%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Auto Loan
17.90%
67 Plus Months
▼
APR17.90%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term.
HIGHWAY DISTRICT 21
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Vehicle Loan
2.50%
36 months
▼
APR2.50%
Term36 months
Last UpdatedJul 16, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A+ (800 Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 2026
Details
Rates are variable and subject to change. See loan officer for details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Auto Loan
3.39%
65 months
▼
APR3.39%
Term65 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
Auto Loans
3.57%
18 - 84 months
▼
APR3.57%
Term18 - 84 months
Last UpdatedJul 11, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Everman Parkway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 7, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 months
▼
APR3.89%
Term36 months
Last UpdatedJul 16, 2026
Details
Fixed-Rate up to 36 months as low as 3.89% APR
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A (720-799) Loan
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A+ (800 Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Vehicle Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedJul 7, 2026
Details
As low as; Finance a new or used vehicle or refinance from another lender.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedJul 11, 2026
Details
Fixed Rate
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
4.17%
Up to 60 Months
▼
APR4.17%
TermUp to 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; APR
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Estacado Federal Credit Union FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Vehicle Loan
4.25%
Up to 3 Years (1-36M)
▼
APR4.25%
TermUp to 3 Years (1-36M)
Last UpdatedJul 15, 2026
Details
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
Vehicle Age: Up to 2026
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Auto Loan
4.42%
Up to 72 Months
▼
APR4.42%
TermUp to 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; APR
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.68%
Autos 2026-2022: 0-24 months
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedJul 6, 2026
Details
As Low As; *
Powered by
MonitorBankRates
Austin New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.00%
49 - 66 Months
▼
APR5.00%
Term49 - 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
5.04%
Up to 66 months*
▼
APR5.04%
TermUp to 66 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.20%
67 - 75 Months
▼
APR5.20%
Term67 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
5.24%
Over 67 to 75 months*
▼
APR5.24%
TermOver 67 to 75 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66 months
▼
APR5.24%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.34%
49 to 60 Months
▼
APR5.34%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72 months
▼
APR5.49%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 36 Months
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 66 Months
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.95%
73 to 84 Months
▼
APR5.95%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84 months
▼
APR5.99%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 75 Months
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
6.00%
76 - 84 Months
▼
APR6.00%
Term76 - 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
New Autos
6.09%
Over 76 to 84 months*
▼
APR6.09%
TermOver 76 to 84 months*
Last UpdatedJul 11, 2026
Details
As Low As; with Member Rewardsâ€
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 Months
▼
APR6.15%
Term49 - 63 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.30%
76 - 84 Months
▼
APR6.30%
Term76 - 84 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer) - 84 Months
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.00%
0 - 60 Months
▼
APR7.00%
Term0 - 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.65%
61 - 75 Months
▼
APR7.65%
Term61 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.00%
85 - 96 Months
▼
APR9.00%
Term85 - 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.50%
97 - 120 Months
▼
APR9.50%
Term97 - 120 Months
Last UpdatedJul 11, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
2.99%
0-36 months
▼
APR2.99%
Term0-36 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 0-36 months Loan
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 2026
Details
Rates are variable and subject to change. See loan officer for details.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
up to 75 Months
▼
APR3.70%
Termup to 75 Months
Last UpdatedJul 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 7,500 miles
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Model Year(s): 2026
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A (720-799)
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Vehicles, New Automobile (NA) A+ (800
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 months or Less
▼
APR3.99%
Term54 months or Less
Last UpdatedJul 7, 2026
Details
As Low As; New Auto Loans
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
Up to 84 Months
▼
APR3.99%
TermUp to 84 Months
Last UpdatedJul 15, 2026
Details
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48 months
▼
APR3.99%
Term37-48 months
Last UpdatedJul 16, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles: 37-48 months Loan
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedJul 16, 2026
Details
Rates below are based on a minimum credit score of 700.
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks Loan
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 6, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New Auto
4.00%
36 months
▼
APR4.00%
Term36 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: 100%
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
New Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle Loan
4.00%
up to 94 months
▼
APR4.00%
Termup to 94 months
Last UpdatedJul 16, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
New Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
New Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
NEW Auto Loan
4.40%
Up to 36 months
▼
APR4.40%
TermUp to 36 months
Last UpdatedJul 15, 2026
Details
As Low As
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
New Car Loan
4.45%
84 months
▼
APR4.45%
Term84 months
Last UpdatedJul 8, 2026
Details
Rates as low as 4.35%.
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
Up to 48 mo.
▼
APR4.49%
TermUp to 48 mo.
Last UpdatedJul 6, 2026
Details
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
Powered by
MonitorBankRates
Austin Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
3.99%
0 to 36 Months
▼
APR3.99%
Term0 to 36 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
4.80%
0 - 48 Months
▼
APR4.80%
Term0 - 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
4.99%
Up to 36 Months
▼
APR4.99%
TermUp to 36 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
4.99%
37 to 48 Months
▼
APR4.99%
Term37 to 48 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.00%
49 - 66 Months
▼
APR5.00%
Term49 - 66 Months
Last UpdatedJul 11, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 6 to 7 year old models
5.04%
Up to 54 months
▼
APR5.04%
TermUp to 54 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.04% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.04% with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.19%
Up to 66 Months
▼
APR5.19%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
5.20%
67 - 75 Months
▼
APR5.20%
Term67 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 6 to 7 year old models
5.24%
55 to 60 months
▼
APR5.24%
Term55 to 60 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: 8 to 10 year old models
5.24%
Up to 36 months
▼
APR5.24%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
5.24%
67 to 75 months
▼
APR5.24%
Term67 to 75 months
Last UpdatedJul 11, 2026
Details
As Low As; 5.24% with Member Rewardsâ€
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.29%
Up to 72 Months
▼
APR5.29%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.34%
49 to 60 Months
▼
APR5.34%
Term49 to 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
5.49%
12 - 66 months
▼
APR5.49%
Term12 - 66 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $5,000
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.54%
61 to 72 Months
▼
APR5.54%
Term61 to 72 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.59%
Up to 66 Months
▼
APR5.59%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
5.74%
67 - 72 months
▼
APR5.74%
Term67 - 72 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $15,000
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
5.79%
Up to 66 Months
▼
APR5.79%
TermUp to 66 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
5.89%
Up to 72 Months
▼
APR5.89%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
United Heritage Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.17%
12208 N Mopac Expy, Austin, TX, 78758
New/Used Auto Loan
5.95%
73 to 84 Months
▼
APR5.95%
Term73 to 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
5.99%
Up to 78 Months
▼
APR5.99%
TermUp to 78 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
6.00%
76 - 84 Months
▼
APR6.00%
Term76 - 84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
*
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2023-2022
6.09%
Up to 72 Months
▼
APR6.09%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2024
6.09%
Up to 75 Months
▼
APR6.09%
TermUp to 75 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos: Current year to 5 years old
6.09%
76 to 84 months
▼
APR6.09%
Term76 to 84 months
Last UpdatedJul 11, 2026
Details
As Low As; 6.09% with Member Rewardsâ€
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.15%
49 - 63 Months
▼
APR6.15%
Term49 - 63 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2020-2019
6.19%
Up to 54 Months
▼
APR6.19%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2021
6.19%
Up to 60 Months
▼
APR6.19%
TermUp to 60 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
Used Auto Loan
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedJul 11, 2026
Details
Minimum Loan Amount: $25,000
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2025 and Newer
6.29%
Up to 84 Months
▼
APR6.29%
TermUp to 84 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
13609 N Interstate 35 Bldg 4, Austin, TX, 78753 1332
New/Used Auto
6.30%
76 - 84 Months
▼
APR6.30%
Term76 - 84 Months
Last UpdatedJul 16, 2026
Details
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos - 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
306 E 10th St, Austin, TX, 78701
New and Used Autos 2018-2017
6.39%
Up to 54 Months
▼
APR6.39%
TermUp to 54 Months
Last UpdatedJul 7, 2026
Details
As Low As; *
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.00%
0 - 60 Months
▼
APR7.00%
Term0 - 60 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
7.65%
61 - 75 Months
▼
APR7.65%
Term61 - 75 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
8.50%
84 Months
▼
APR8.50%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.00%
85 - 96 Months
▼
APR9.00%
Term85 - 96 Months
Last UpdatedJul 11, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.58%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan (New/Used)
9.50%
97 - 120 Months
▼
APR9.50%
Term97 - 120 Months
Last UpdatedJul 11, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A+ (800 Loan
2.95%
0-36 Months
▼
APR2.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Mo to 60 Mo
▼
APR3.24%
Term24 Mo to 60 Mo
Last UpdatedJul 16, 2026
Details
Rates are variable and subject to change. See loan officer for details.
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
▼
APR3.49%
Term2025 and newer up to 72 months; 2022 - 2024 up to 60 months; 2021 and older up t
Last UpdatedJul 6, 2026
Details
As Low As; *
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.72%
36 to 72 Months
▼
APR3.72%
Term36 to 72 Months
Last UpdatedJul 15, 2026
Details
APR Type: Fixed
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedJul 16, 2026
Details
Fewer than 100,000 miles
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.95%
1 - 84 months
▼
APR3.95%
Term1 - 84 months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A (720-799) Loan
3.95%
0-36 Months
▼
APR3.95%
Term0-36 Months
Last UpdatedJul 15, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Vehicles A+ (800 Loan
3.95%
37-60 Months
▼
APR3.95%
Term37-60 Months
Last UpdatedJul 15, 2026
Details
Texasgulf Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.64%
New or used vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 6, 2026
Details
As Low As; New or used vehicle up to 36 months.
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 to 60 months
▼
APR4.00%
Term24 to 60 months
Last UpdatedJul 7, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Golden Triangle Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
New & Used Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedJul 15, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.62%
Used Automobiles & Light Trucks
4.00%
36 mos.
▼
APR4.00%
Term36 mos.
Last UpdatedJul 15, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles Loan
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedJul 7, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2023
4.20%
1 - 78 months
▼
APR4.20%
Term1 - 78 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 16, 2026
Details
As Low As; Up to 120% Financing on Approved Credit
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedJul 16, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
Used Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Used Auto Loans
4.25%
0-24 months
▼
APR4.25%
Term0-24 months
Last UpdatedJul 16, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
New & Used Vehicles Loan
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedJul 15, 2026
Details
As low as; Rate includes both discounts
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2022
4.30%
1 - 72 months
▼
APR4.30%
Term1 - 72 months
Last UpdatedJul 15, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedJul 15, 2026
Details
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Used Auto
4.39%
Up to 72 months
▼
APR4.39%
TermUp to 72 months
Last UpdatedJul 15, 2026
Details
As Low As; *
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2021
4.40%
1 - 66 months
▼
APR4.40%
Term1 - 66 months
Last UpdatedJul 15, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
New and Used Auto Loans
4.40%
60-Months
▼
APR4.40%
Term60-Months
Last UpdatedJul 16, 2026
Details
As Low As
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MonitorBankRates
Austin, TX Auto Loan Rate Trends
Compare local Austin, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — TX Avg
6.109%
▲ 0.484 vs 7 days ago
Texas new auto rates rose 0.484 points over the past 7 days to 6.109% APR.
Used Auto Loan — TX Avg
5.879%
▲ 0.207 vs 7 days ago
Texas used auto rates rose 0.207 points over the past 7 days to 5.879% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Austin, 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 Austin, 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 Austin, 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.
Frequently Asked Questions about Auto Loans in Austin, 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 Austin, 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 Austin, 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.
What are the best Auto Loan rates in Austin, Texas?
Based on our current data, some of the lowest auto loan rates available in Austin, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- United Heritage Credit Union: 3.99% (New/Used Auto Loan)
- Capitol Credit Union: 3.99% (Auto Loan)
- Amplify Credit Union: 4.80% (Auto Loan (New/Used))
- Public Employees Credit Union: 4.99% (New and Used Autos - 2025 and Newer)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Austin, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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