Auto Loan Rates in Austin, Texas (TX) for June 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%, Capitol Credit UnionCapitol Credit Union11920 Alterra Pkwy, Austin, TX, 78758A+5.0 ★Texas Ratio: 1.29% offering Auto Loan at 3.99%, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX, 78759A+5.0 ★Texas Ratio: 2.09% offering New Auto Loan at 3.99%, Texas Health Credit UnionTexas Health Credit Union4800 GROVER AVE, AUSTIN, TX, 78756A5.0 ★Texas Ratio: 8.57% 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: 2.58% offering Auto Loan (New/Used) at 4.80%. Auto loan rates as of June 4, 2026 according to verified data from MonitorBankRates.
Austin has 15 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: June 4, 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
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 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%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 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%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.29%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 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%
48 Months
▼
APR4.29%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 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%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
11920 Alterra Pkwy, Austin, TX, 78758
Auto Loan
4.79%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedMay 20, 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%
66 Months
▼
APR4.79%
Term66 Months
Last UpdatedMay 20, 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 UpdatedMay 20, 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%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 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
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 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%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMay 30, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; (Up to 5 years old)
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 UpdatedJun 3, 2026
Details
Excellent credit
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 UpdatedJun 3, 2026
Details
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 UpdatedMay 20, 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 with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMay 20, 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%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMay 20, 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 UpdatedMay 20, 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 UpdatedJun 3, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and 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.
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 UpdatedJun 4, 2026
Details
Rates from 5.23% APR for new Cars. Annual Percentage Rate (APR) is accurate as of 02/02/2026 and 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 with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 20, 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
▼
APR5.24%
Term12 - 66
Last UpdatedMay 20, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
1402 W Stassney LN, Austin, TX, 78745 2948
Auto Loans
5.24%
6-36
▼
APR5.24%
Term6-36
Last UpdatedMay 29, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; (6-10 years old)
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%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 20, 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
▼
APR5.49%
Term67 - 72
Last UpdatedMay 20, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMay 22, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMay 22, 2026
Details
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
▼
APR5.49%
Term6-36
Last UpdatedMay 29, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 1, 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%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMay 20, 2026
Details
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 UpdatedJun 3, 2026
Details
Excellent credit
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 22, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 22, 2026
Details
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
▼
APR5.74%
Term67-78
Last UpdatedMay 29, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedJun 1, 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%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 20, 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 Loans
5.79%
79-84
▼
APR5.79%
Term79-84
Last UpdatedMay 29, 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)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 1, 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%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 20, 2026
Details
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 UpdatedJun 3, 2026
Details
Excellent credit
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%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMay 20, 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
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 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%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 20, 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
▼
APR5.99%
Term73 - 84
Last UpdatedMay 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (6-10 Years old / 2015+)
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 1, 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 UpdatedMay 20, 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%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMay 20, 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%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
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 UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 20, 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
▼
APR6.15%
Term49 - 63
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.19%
Term54 Months
Last UpdatedMay 20, 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%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMay 20, 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
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedJun 3, 2026
Details
Good credit
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
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 UpdatedJun 3, 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%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedMay 22, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedJun 1, 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
▼
APR6.30%
Term76 - 84
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedJun 1, 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
▼
APR6.49%
Term79-84
Last UpdatedMay 29, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedJun 1, 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
6.64%
49 to 66 Months
▼
APR6.64%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Good credit
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 UpdatedJun 3, 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)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 1, 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
6.89%
67 Plus Months
▼
APR6.89%
Term67 Plus Months
Last UpdatedJun 3, 2026
Details
Good credit
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedJun 1, 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 UpdatedJun 3, 2026
Details
Good credit tier
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
7.25%
120 months
▼
APR7.25%
Term120 months
Last UpdatedMay 22, 2026
Details
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 UpdatedJun 3, 2026
Details
Average credit
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 UpdatedJun 3, 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
7.89%
49 to 66 Months
▼
APR7.89%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Average credit
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 UpdatedJun 3, 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 UpdatedJun 3, 2026
Details
Average credit
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
8.25%
180 months
▼
APR8.25%
Term180 months
Last UpdatedMay 22, 2026
Details
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 UpdatedJun 3, 2026
Details
Excellent credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX, 78750
Business Auto Loans
8.50%
49 to 66 Months
▼
APR8.50%
Term49 to 66 Months
Last UpdatedJun 3, 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 UpdatedJun 3, 2026
Details
Excellent credit tier
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 UpdatedJun 3, 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 UpdatedJun 3, 2026
Details
Fair credit
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 UpdatedJun 3, 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 UpdatedJun 3, 2026
Details
Fair credit
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 UpdatedJun 3, 2026
Details
Fair credit
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 UpdatedJun 3, 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
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedJun 3, 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 UpdatedJun 3, 2026
Details
Marginal credit
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 20, 2026
Details
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 UpdatedJun 3, 2026
Details
Marginal credit
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 UpdatedJun 3, 2026
Details
Marginal credit
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 20, 2026
Details
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 UpdatedJun 3, 2026
Details
Low / No score
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 UpdatedJun 3, 2026
Details
Low / No score
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 UpdatedJun 3, 2026
Details
Low / No score
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A+ (800 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedJun 1, 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 UpdatedJun 1, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.24%
Auto Buying Service
▼
APR3.24%
TermAuto Buying Service
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
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 UpdatedMay 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.66%
Auto Loans
3.53%
18 Months
▼
APR3.53%
Term18 Months
Last UpdatedMay 20, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
New & Used Auto Loans
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
Americas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.45%
Auto Loans
3.89%
36 Months
▼
APR3.89%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fixed-Rate up to 36 months
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 UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 29, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A (720-799) 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A+ (800 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
Vehicle Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
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 UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Auto Loans
3.99%
0 - 75 Months
▼
APR3.99%
Term0 - 75 Months
Last UpdatedMay 20, 2026
Details
As Low As; APR - 2026 & Newer
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 20, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
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 UpdatedMay 22, 2026
Details
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 22, 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 Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 31, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedJun 1, 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 UpdatedJun 1, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.82%
Repo Vehicle Loans
3.99%
60 Months Fixed Rate
▼
APR3.99%
Term60 Months Fixed Rate
Last UpdatedJun 3, 2026
Details
Annual Percentage Rate (APR)
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 UpdatedMay 17, 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 UpdatedMay 20, 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 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 20, 2026
Details
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 UpdatedMay 22, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 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 UpdatedMay 29, 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 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 29, 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 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 23, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 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
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
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 UpdatedMay 20, 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%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Commercial Auto Loan
4.99%
96 Months
▼
APR4.99%
Term96 Months
Last UpdatedMay 30, 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 UpdatedMay 20, 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 with Member Rewards
5.04%
Up to 66 months
▼
APR5.04%
TermUp to 66 months
Last UpdatedMay 20, 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
5.19%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMay 20, 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 UpdatedMay 20, 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 with Member Rewards
5.24%
Over 67 to 75 months
▼
APR5.24%
TermOver 67 to 75 months
Last UpdatedMay 20, 2026
Details
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
▼
APR5.24%
Term12 - 66
Last UpdatedMay 20, 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%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 20, 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
▼
APR5.49%
Term67 - 72
Last UpdatedMay 20, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 1, 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%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMay 20, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 22, 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
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 20, 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)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 1, 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%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 20, 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
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMay 20, 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
▼
APR5.99%
Term73 - 84
Last UpdatedMay 20, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX, 78758
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 1, 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 UpdatedMay 20, 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%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMay 20, 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%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
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 UpdatedMay 20, 2026
Details
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
▼
APR6.15%
Term49 - 63
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.19%
Term54 Months
Last UpdatedMay 20, 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%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
New Auto Loan
6.25%
96 Months
▼
APR6.25%
Term96 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000; Qualifying rate - Conditions apply
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%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
New Vehicles Loan
6.29%
84 months
▼
APR6.29%
Term84 months
Last UpdatedMay 22, 2026
Details
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
▼
APR6.30%
Term76 - 84
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMay 20, 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)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 1, 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
14.74%
12 - 66
▼
APR14.74%
Term12 - 66
Last UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
14.99%
67 - 72
▼
APR14.99%
Term67 - 72
Last UpdatedMay 20, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
823 Congress Ave Ste 300, Austin, TX, 78701 2448
New Auto Loan
15.49%
73 - 84
▼
APR15.49%
Term73 - 84
Last UpdatedMay 20, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A+ (800 0-36 Months
2.95%
36 Months
▼
APR2.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
APR2.99%
Term0-36
Last UpdatedJun 1, 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 UpdatedJun 1, 2026
Details
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
3.34%
36 Months
▼
APR3.34%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
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 UpdatedMay 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
New Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 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
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
New Auto Loan
3.70%
75 Months
▼
APR3.70%
Term75 Months
Last UpdatedMay 17, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
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 UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
New Auto Loans - Cars and Light Trucks
3.90%
1 - 84 months
▼
APR3.90%
Term1 - 84 months
Last UpdatedMay 29, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A (720-799) 0-36 Months
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
New Automobile (NA) A+ (800 37-60 Months
3.95%
60 Months
▼
APR3.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
New Auto Loans
3.99%
54 Months
▼
APR3.99%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
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 UpdatedMay 20, 2026
Details
As Low As
APR3.99%
Term36-month
Last UpdatedMay 20, 2026
Details
As Low As
Rockdale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.10%
New Vehicles Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
The State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.54%
New Automotive
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 23, 2026
Details
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 UpdatedMay 31, 2026
Details
As Low As
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
New vehicles Loan
3.99%
37-48
▼
APR3.99%
Term37-48
Last UpdatedJun 1, 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 UpdatedJun 1, 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 UpdatedMay 17, 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 UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: 100%
Service 1st Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.57%
New Vehicle
4.00%
94 Months
▼
APR4.00%
Term94 Months
Last UpdatedMay 20, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
New Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 23, 2026
Details
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
New Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 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 UpdatedMay 29, 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 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
New Auto
4.09%
60 Months
▼
APR4.09%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 60 months
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Auto Loan - New Vehicles
4.12%
36 Months
▼
APR4.12%
Term36 Months
Last UpdatedMay 23, 2026
Details
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
New Autos
4.14%
84 Months
▼
APR4.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
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
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX, 78756
New and Used Vehicles
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Up to 48 Months
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.50%
60 Months
▼
APR4.50%
Term60 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
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 UpdatedMay 20, 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%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; (Up to 5 years old)
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 UpdatedMay 20, 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
5.04%
66 Months
▼
APR5.04%
Term66 Months
Last UpdatedMay 20, 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%
66 Months
▼
APR5.19%
Term66 Months
Last UpdatedMay 20, 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 UpdatedMay 20, 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
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As; with Member Rewardsâ€
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.25%
72 Months
▼
APR5.25%
Term72 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (6-10 Years old / 2015+)
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Commercial Auto Loan
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; (6-10 years old)
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%
72 Months
▼
APR5.29%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
5.49%
66 months
▼
APR5.49%
Term66 months
Last UpdatedMay 22, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.50%
84 Months
▼
APR5.50%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (Up to 5 Years old / 2021+)
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%
66 Months
▼
APR5.59%
Term66 Months
Last UpdatedMay 20, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
5.74%
75 months
▼
APR5.74%
Term75 months
Last UpdatedMay 22, 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
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 20, 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%
72 Months
▼
APR5.89%
Term72 Months
Last UpdatedMay 20, 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
5.99%
78 Months
▼
APR5.99%
Term78 Months
Last UpdatedMay 20, 2026
Details
As Low As
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
12730 Research Blvd, Austin, TX, 78759
Used Auto Loan
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 30, 2026
Details
As Low As; - Up to $250,000 (6-10 Years old / 2015+)
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 UpdatedMay 20, 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%
72 Months
▼
APR6.09%
Term72 Months
Last UpdatedMay 20, 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%
75 Months
▼
APR6.09%
Term75 Months
Last UpdatedMay 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
705 E 12th St, Austin, TX, 78701 1909
Used Autos
6.09%
84 Months
▼
APR6.09%
Term84 Months
Last UpdatedMay 20, 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
▼
APR6.15%
Term49 - 63
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.19%
Term54 Months
Last UpdatedMay 20, 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%
60 Months
▼
APR6.19%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
6.25%
60 months
▼
APR6.25%
Term60 months
Last UpdatedMay 22, 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
6.29%
84 Months
▼
APR6.29%
Term84 Months
Last UpdatedMay 20, 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
▼
APR6.30%
Term76 - 84
Last UpdatedMay 18, 2026
Details
Rates after 0.25% discount
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%
54 Months
▼
APR6.39%
Term54 Months
Last UpdatedMay 20, 2026
Details
As Low As
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
7.25%
120 months
▼
APR7.25%
Term120 months
Last UpdatedMay 22, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.18%
1900 Woodward St, Austin, TX, 78741
Used Vehicles Loan
8.25%
180 months
▼
APR8.25%
Term180 months
Last UpdatedMay 22, 2026
Details
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA)
2.95%
0-36
▼
APR2.95%
Term0-36
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Lubrizol Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.17%
New & Used Automobile
3.24%
24 Months
▼
APR3.24%
Term24 Months
Last UpdatedMay 23, 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 UpdatedMay 29, 2026
Details
USE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
New & Used Autos
3.49%
72 Months
▼
APR3.49%
Term72 Months
Last UpdatedMay 17, 2026
Details
As Low As
Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.26%
Used Autos
3.49%
36 Months
▼
APR3.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 29, 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
3.56%
36 to 72** Months
▼
APR3.56%
Term36 to 72** Months
Last UpdatedMay 22, 2026
Details
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
New and Used Other Vehicle Loans
3.69%
Up to 12 months
▼
APR3.69%
TermUp to 12 months
Last UpdatedMay 31, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.73%
36 Months
▼
APR3.73%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2020 & Newer; Up to 36 Months
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
3.75%
48 Months
▼
APR3.75%
Term48 Months
Last UpdatedMay 29, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.80%
48 Months
▼
APR3.80%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2021 & Newer; 37 - 48 Months
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Used Auto
3.84%
36 Months
▼
APR3.84%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.86%
60 Months
▼
APR3.86%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2022 & Newer; 49 - 60 Months
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 UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2024
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 29, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
Used Auto Loans - Cars and Light Trucks 2025
3.90%
1 - 84
▼
APR3.90%
Term1 - 84
Last UpdatedMay 29, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.92%
72 Months
▼
APR3.92%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2023 & Newer; 61 - 72 Months
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
IBEW Local 66 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Pre-Owned (Used) Automobile (UA)
3.95%
37-60
▼
APR3.95%
Term37-60
Last UpdatedMay 22, 2026
Details
Grade: A+ (800+)
Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
New and Used Autos
3.95%
36 Months
▼
APR3.95%
Term36 Months
Last UpdatedMay 22, 2026
Details
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
New & Used - Automobiles
3.98%
84 Months
▼
APR3.98%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Year Models - 2025 & Newer; 73 - 84 Months
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Concho Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
Used Autos
4.00%
24 Months
▼
APR4.00%
Term24 Months
Last UpdatedMay 20, 2026
Details
As Low As; Maximum Loan: NADA RETAIL VALUE
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Used Auto Loan
4.00%
60 Months
▼
APR4.00%
Term60 Months
Last UpdatedMay 29, 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 UpdatedMay 29, 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 Months
▼
APR4.00%
Term36 Months
Last UpdatedMay 29, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
New and Used Vehicles
4.10%
Up to 72 Months
▼
APR4.10%
TermUp to 72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 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
5.730%
▲ 0.009 vs 7 days ago
Texas new auto rates rose 0.009 points over the past 7 days to 5.730% APR.
Used Auto Loan — TX Avg
6.356%
Unchanged vs 7 days ago
Texas used auto loan rates currently average 6.356% APR.
As of Jun 4, 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)
- Capitol Credit Union: 3.99% (Auto Loan)
- Nizari Progressive Federal Credit Union: 3.99% (New Auto Loan)
- Texas Health Credit Union: 4.49% (New and Used Vehicles)
- Amplify Credit Union: 4.80% (Auto Loan (New/Used))
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: June 4, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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