Auto Loan Rates in Austin, Texas (TX) for April 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: 8.54% offering New and Pre-Owned Autos at 3.24%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.18% offering New Auto Loan - 36 months at 3.99%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.34% offering Auto Loans at 4.29%, Texas Health Credit UnionTexas Health Credit Union4800 GROVER AVE, AUSTIN, TX, 78756A5.0 ★Texas Ratio: 8.83% offering New and Used Vehicles at 4.49%, Amplify Credit UnionAmplify Credit Union2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772A+5.0 ★Texas Ratio: 2.63% offering Auto Loan at 4.80%. Auto loan rates as of April 22, 2026 according to verified data from MonitorBankRates.
Austin has 12 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: April 22, 2026
Compare Auto Loan Rates Today in Austin, Texas & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 48 months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 36 months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 48 months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 72 months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 60 months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 72 months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
4.80%
0 - 48
▼
APR4.80%
Term0 - 48
Last UpdatedApr 19, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
13860 N Highway 183, Austin, TX, 78750
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedApr 22, 2026
Details
As Low As; Drive your future with an auto loan rate as low as 4.99% APR.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (Up to 5 years old)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
5.00%
49 - 66
▼
APR5.00%
Term49 - 66
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
5.20%
67 - 75
▼
APR5.20%
Term67 - 75
Last UpdatedApr 19, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Refinance Loans
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedApr 18, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedApr 19, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 72 months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (6-10 years old)
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.49%
6-36
▼
APR5.49%
Term6-36
Last UpdatedApr 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedApr 19, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 84 months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 84 months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
5.74%
67-78
▼
APR5.74%
Term67-78
Last UpdatedApr 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Refinance Loans
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedApr 18, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 84 months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loans
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Auto Loan
6.00%
76 - 84
▼
APR6.00%
Term76 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 96 months
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedApr 18, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loan
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedApr 18, 2026
Details
As Low As
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.18%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Purchase Loans
6.49%
79-84
▼
APR6.49%
Term79-84
Last UpdatedApr 18, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.89%
60 Months
▼
APR6.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.39%
72 Months
▼
APR7.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.89%
84 Months
▼
APR7.89%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedApr 19, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedApr 19, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedApr 19, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
Auto Loans
3.33%
18 Months
▼
APR3.33%
Term18 Months
Last UpdatedApr 19, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; All model years
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; All model years
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fixed-Rate up to 36 months
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedApr 18, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedApr 22, 2026
Details
Annual Percentage Rate (APR)
City of Deer Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Auto Loan A+
3.99%
0-48
▼
APR3.99%
Term0-48
Last UpdatedApr 18, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2020 & newer
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 UpdatedApr 18, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Purchases
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Starr County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
Auto Refinances
4.00%
84 Months
▼
APR4.00%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Auto Loan
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedApr 17, 2026
Details
As Low As; Model Years: 2019-2025
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedApr 19, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedApr 18, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Up to 2026 Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 19, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 100,000 miles
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedApr 18, 2026
Details
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 84 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Vehicle Loans
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
2025 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedApr 18, 2026
Details
Gulf Shore Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.87%
Autos 2026-2022
4.49%
0-24
▼
APR4.49%
Term0-24
Last UpdatedApr 17, 2026
Details
As Low As
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Auto Loans
4.49%
Auto Buying Service
▼
APR4.49%
TermAuto Buying Service
Last UpdatedApr 19, 2026
Details
As Low As; APR - 2023 - 2025*
APR4.49%
Term72-month
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedApr 19, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 48 months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 72 months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedApr 19, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.24%
12 - 66
▼
APR5.24%
Term12 - 66
Last UpdatedApr 19, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.49%
67 - 72
▼
APR5.49%
Term67 - 72
Last UpdatedApr 19, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 84 months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
5.99%
73 - 84
▼
APR5.99%
Term73 - 84
Last UpdatedApr 19, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
New Autos with Member Rewards
6.09%
Over 76 to 84 months
▼
APR6.09%
TermOver 76 to 84 months
Last UpdatedApr 19, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan - 96 months
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
New Vehicles
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedApr 18, 2026
Details
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.39%
48 Months
▼
APR6.39%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
6.89%
60 Months
▼
APR6.89%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.39%
72 Months
▼
APR7.39%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
VATAT Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.66%
614 E 12th St, Austin, TX, 78701
New Auto
7.89%
84 Months
▼
APR7.89%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; 100% of MSRP
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedApr 19, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedApr 19, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedApr 19, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 0-36 months
2.99%
36 Months
▼
APR2.99%
Term36 Months
Last UpdatedApr 19, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 7,500 miles
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedApr 17, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedApr 18, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (NA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
3.99%
54 months
▼
APR3.99%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedApr 19, 2026
Details
As Low As
APR3.99%
Term37-48
Last UpdatedApr 19, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
New vehicles: 37-48 months
3.99%
48 Months
▼
APR3.99%
Term48 Months
Last UpdatedApr 19, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 17, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
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 UpdatedApr 18, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
New Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
New Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedApr 8, 2026
Details
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
New Auto
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; for 36 months
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedApr 8, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedApr 8, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
APR4.24%
Term60-month
Last UpdatedApr 19, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
New Automobile Loan
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 8, 2026
Details
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
New Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 7,500 miles
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.35%
48 Months
▼
APR4.35%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As
Cherokee County Teachers Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.87%
New Car Loan
4.35%
84 Months
▼
APR4.35%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; 84 months
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Auto Loan - New Vehicles
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
New Auto Loans
4.38%
60 Months
▼
APR4.38%
Term60 Months
Last UpdatedApr 8, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
New Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
NEW Auto Loan
4.40%
36 Months
▼
APR4.40%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
NEW! 2026 Auto Loan
4.45%
60 Months
▼
APR4.45%
Term60 Months
Last UpdatedApr 17, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
New Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Auto Loan
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 17, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Germania Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Vehicle
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 125% of MSRP with approved credit.
Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
New Vehicles - 5 years and newer**
4.49%
24 to 36
▼
APR4.49%
Term24 to 36
Last UpdatedApr 19, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
New Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
New Auto Loans
4.49%
72 months
▼
APR4.49%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 19, 2026
Details
As Low As
APR4.49%
Term72-month
Last UpdatedApr 19, 2026
Details
As Low As
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
New Cars and Trucks
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 17, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
4.50%
72 Months
▼
APR4.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedApr 8, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
3.24%
12 - 36
▼
APR3.24%
Term12 - 36
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 36 months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 36 months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 48 months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Up to 48 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 48 months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 60 months
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 60 months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 72 months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (Up to 5 years old)
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
4.99%
37 - 60
▼
APR4.99%
Term37 - 60
Last UpdatedApr 8, 2026
Details
As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 72 months
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan (6-10 years old)
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedApr 18, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
5.49%
61 - 72
▼
APR5.49%
Term61 - 72
Last UpdatedApr 8, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 84 months
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
1900 Woodward St, Austin, TX, 78741
Used Vehicles
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedApr 18, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan - 84 months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Up to $250,000; As Low As
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As; with Member Rewardsâ€
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX, 78744 3205
Pre-Owned Autos
6.24%
73 - 84
▼
APR6.24%
Term73 - 84
Last UpdatedApr 8, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
9.75%
0 - 36
▼
APR9.75%
Term0 - 36
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
10.75%
0 - 36
▼
APR10.75%
Term0 - 36
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.50%
61 - 84
▼
APR11.50%
Term61 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
11.95%
37 - 60
▼
APR11.95%
Term37 - 60
Last UpdatedApr 19, 2026
Details
As Low As
Amplify Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX, 78758 3772
Used Auto Loan
12.70%
61 - 84
▼
APR12.70%
Term61 - 84
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.18%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedApr 18, 2026
Details
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.39%
Up to 36 Months
▼
APR3.39%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.89%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedApr 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As; All model years
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2020 & Newer
3.65%
Up to 36 Months
▼
APR3.65%
TermUp to 36 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2021 & Newer
3.65%
37 - 48 Months
▼
APR3.65%
Term37 - 48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2022 & Newer
3.65%
49 - 60 Months
▼
APR3.65%
Term49 - 60 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2023 & Newer
3.65%
61 - 72 Months
▼
APR3.65%
Term61 - 72 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.67%
36 to 72 Months
▼
APR3.67%
Term36 to 72 Months
Last UpdatedApr 18, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
New & Used - Automobiles Year Models - 2025 & Newer
3.67%
73 - 84 Months
▼
APR3.67%
Term73 - 84 Months
Last UpdatedApr 19, 2026
Details
As Low As; Financing up to 100% - Purchase Price or NADA Retail (whichever is less) plus TT&L.
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As; All model years
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
3.89%
37-48 Months
▼
APR3.89%
Term37-48 Months
Last UpdatedApr 18, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedApr 18, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedApr 19, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedApr 18, 2026
Details
Grade A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
Up to 36 Months
▼
APR3.95%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedApr 18, 2026
Details
As Low As
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.00%
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedApr 8, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As; 2020 & newer
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 UpdatedApr 18, 2026
Details
1st Community Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.28%
Used Automobiles & Light Trucks
4.00%
36 Months
▼
APR4.00%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Used Autos
4.00%
60 - 84
▼
APR4.00%
Term60 - 84
Last UpdatedApr 19, 2026
Details
As Low As
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedApr 19, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2023
4.15%
1 - 78
▼
APR4.15%
Term1 - 78
Last UpdatedApr 18, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2022
4.25%
1 - 72
▼
APR4.25%
Term1 - 72
Last UpdatedApr 18, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedApr 18, 2026
Details
As Low As
APR4.25%
Term0-24
Last UpdatedApr 19, 2026
Details
The Peoples Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.00%
New & Used Vehicles
4.29%
3 yrs*
▼
APR4.29%
Term3 yrs*
Last UpdatedApr 18, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
Used Autos
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; Fewer than 100,000 miles
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2021
4.35%
1 - 66
▼
APR4.35%
Term1 - 66
Last UpdatedApr 18, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
New & Used Autos
4.39%
49 - 65 Months
▼
APR4.39%
Term49 - 65 Months
Last UpdatedApr 18, 2026
Details
Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Used Auto
4.39%
72 Months
▼
APR4.39%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Swemp Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Pre-Owned Autos
4.45%
84 Months
▼
APR4.45%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; * As Low As (Based On Credit Score And Loan Term)
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
Used Auto Loans - Cars and Light Trucks 2020
4.45%
1 - 60
▼
APR4.45%
Term1 - 60
Last UpdatedApr 18, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedApr 18, 2026
Details
Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Used Auto/Refinance Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
Used Vehicle Loan (Car / Truck / SUV)
4.49%
36 Months
▼
APR4.49%
Term36 Months
Last UpdatedApr 8, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
Auto Loans Used
4.49%
54 months
▼
APR4.49%
Term54 months
Last UpdatedApr 19, 2026
Details
As Low As
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Pre-Owned Auto
4.49%
36-month
▼
APR4.49%
Term36-month
Last UpdatedApr 19, 2026
Details
As Low As
Manville Area Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Used Cars and Trucks
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedApr 17, 2026
Details
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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
5.399%
▼ 0.246 vs 7 days ago
Texas new auto rates fell 0.246 points over the past 7 days to 5.399% APR.
Used Auto Loan — TX Avg
6.284%
▲ 0.243 vs 7 days ago
Texas used auto rates rose 0.243 points over the past 7 days to 6.284% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
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)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan - 36 months)
- Capitol Credit Union: 4.29% (Auto Loans)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
- Amplify Credit Union: 4.80% (Auto Loan)
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: April 22, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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