Auto Loan Rates in Houston, Texas (TX) for May 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 Houston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Houston, Texas include Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A5.0 ★Texas Ratio: 8.54% offering New and Pre-Owned Autos at 3.24%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.62% offering New & Used - Automobiles Year Models - 2020 & Newer at 3.73%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A5.0 ★Texas Ratio: 8.99% offering Auto Loans - Used & New at 3.94%, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 1.43% offering NEW Autos Up to 36 Months at 3.99%, Smart Financial Credit UnionSmart Financial Credit Union4411 S Wayside Dr, Houston, TX, 77087 1109A5.0 ★Texas Ratio: 10.10% offering Car Loans at 3.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Houston has 23 local institutions in our database, with auto loan rates as low as 3.24% APR from Members Choice Credit Union at 18211 Katy Fwy, Houston, TX, 77094 1395. 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 Houston, Texas. Auto Loan Rates Last Updated and Verified: May 12, 2026
Compare Auto Loan Rates Today in Houston, 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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
8980 Clearwood Dr, Houston, TX, 77075
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 12, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
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: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 6, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 12, 2026
Details
As Low As
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd, Houston, TX, 77092
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
4.99%
1 to 48
▼
APR4.99%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedMay 4, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedMay 6, 2026
Details
As Low As
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 7, 2026
Details
New Auto, 12-60 Month Term
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
5.00%
48 - 84
▼
APR5.00%
Term48 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
5.00%
48 - 84
▼
APR5.00%
Term48 - 84
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020-2025 Model Years
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 12, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX, 77059
Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As; 36 months
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedMay 6, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66
▼
APR5.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72
▼
APR5.75%
Term61 - 72
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
Vehicle Loans
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus
▼
APR5.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2023-2025 Model Years
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.24%
1 to 48
▼
APR6.24%
Term1 to 48
Last UpdatedMay 4, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
Up to 48 Months
▼
APR6.24%
TermUp to 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.25%
12 to 48
▼
APR6.25%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
Up to 66 Months
▼
APR6.49%
TermUp to 66 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.64%
49 to 66
▼
APR6.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
Up to 75 Months
▼
APR6.74%
TermUp to 75 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.75%
49 to 66
▼
APR6.75%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.84%
Up to 36 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedMay 6, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.89%
67 Plus
▼
APR6.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.00%
12 to 48
▼
APR7.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
7.49%
1 to 48
▼
APR7.49%
Term1 to 48
Last UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.50%
49 to 66
▼
APR7.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.74%
72 months
▼
APR7.74%
Term72 months
Last UpdatedMay 6, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
7.89%
49 to 66
▼
APR7.89%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedMay 6, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.94%
84 months
▼
APR7.94%
Term84 months
Last UpdatedMay 6, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.00%
12 to 48
▼
APR8.00%
Term12 to 48
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedMay 6, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
8.14%
67 Plus
▼
APR8.14%
Term67 Plus
Last UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.25%
12 to 36 Months
▼
APR8.25%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.50%
49 to 66
▼
APR8.50%
Term49 to 66
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing.; Term restrictions may apply.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.75%
37 to 60 Months
▼
APR8.75%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.00%
12 to 36 Months
▼
APR9.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.24%
96 Months
▼
APR9.24%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.39%
1 to 48
▼
APR9.39%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.50%
37 to 60 Months
▼
APR9.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.64%
49 to 66
▼
APR9.64%
Term49 to 66
Last UpdatedMay 4, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.74%
120 Months
▼
APR9.74%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.89%
67 Plus
▼
APR9.89%
Term67 Plus
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.00%
12 to 36 Months
▼
APR10.00%
Term12 to 36 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedMay 4, 2026
Details
A loan documentation fee of $175 will be assessed at closing. Term restrictions may apply.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
14.65%
1 to 48
▼
APR14.65%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.10%
49 to 66
▼
APR15.10%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.35%
67 Plus
▼
APR15.35%
Term67 Plus
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.25%
1 to 48
▼
APR17.25%
Term1 to 48
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.70%
49 to 66
▼
APR17.70%
Term49 to 66
Last UpdatedMay 4, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.90%
67 Plus
▼
APR17.90%
Term67 Plus
Last UpdatedMay 4, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 12, 2026
Details
As Low As; APR - 2026 & Newer
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 UpdatedMay 6, 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 UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As; Fewer than 100,000 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
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 UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Star Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.08%
Auto Loans
3.53%
18 Months
▼
APR3.53%
Term18 Months
Last UpdatedMay 12, 2026
Details
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
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 UpdatedMay 6, 2026
Details
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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
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: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 12, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 12, 2026
Details
As Low As
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd, Houston, TX, 77092
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 7, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
5.00%
48 - 84
▼
APR5.00%
Term48 - 84
Last UpdatedMay 10, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020-2025 Model Years
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
Up to 66 Months
▼
APR5.24%
TermUp to 66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 84 Months
▼
APR5.74%
TermUp to 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72
▼
APR5.75%
Term61 - 72
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2023-2025 Model Years
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 7, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 12, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 7, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.24%
96 Months
▼
APR9.24%
Term96 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.74%
120 Months
▼
APR9.74%
Term120 Months
Last UpdatedMay 12, 2026
Details
As Low As
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 UpdatedMay 7, 2026
Details
Grade: A+ (800+)
APR2.99%
Term0-36
Last UpdatedMay 12, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 6, 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 UpdatedMay 12, 2026
Details
As Low As; Fewer than 7,500 miles
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
New Auto Loan
3.50%
36 Months
▼
APR3.50%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
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 UpdatedMay 6, 2026
Details
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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2020 & Newer
3.73%
Up to 36 Months
▼
APR3.73%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2021 & Newer
3.80%
37 - 48 Months
▼
APR3.80%
Term37 - 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2022 & Newer
3.86%
49 - 60 Months
▼
APR3.86%
Term49 - 60 Months
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2023 & Newer
3.92%
61 - 72 Months
▼
APR3.92%
Term61 - 72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 12, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.62%
10100 Richmond Ave, Houston, TX, 77042
New & Used - Automobiles Year Models - 2025 & Newer
3.98%
73 - 84 Months
▼
APR3.98%
Term73 - 84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2019-2025 Model Years
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 12, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
Up to 36
▼
APR4.25%
TermUp to 36
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 10, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 Months
▼
APR4.35%
Term60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 6, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 6, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 6, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 6, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 12, 2026
Details
As Low As
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd, Houston, TX, 77092
New & Used Vehicle Promo
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; A+, A , and B tier credit score applicants
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedMay 7, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
4.99%
36 Months
▼
APR4.99%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 12, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
5.00%
48 - 84
▼
APR5.00%
Term48 - 84
Last UpdatedMay 10, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 10, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMay 10, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2020-2025 Model Years
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 12, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 10, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 6, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 12, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedMay 10, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedMay 7, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 Months
▼
APR5.75%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 12, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 6, 2026
Details
As Low As; 2023-2025 Model Years
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto (2018 or older)
5.99%
Up to 60 Months
▼
APR5.99%
TermUp to 60 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
Up to 36 Months
▼
APR5.99%
TermUp to 36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
Up to 48 Months
▼
APR6.24%
TermUp to 48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
New and Pre-Owned Utility Trailer
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 10, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
Up to 66 Months
▼
APR6.49%
TermUp to 66 Months
Last UpdatedMay 12, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
Up to 75 Months
▼
APR6.74%
TermUp to 75 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 12, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedMay 12, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedMay 6, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans Used or Refinanced
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 6, 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 UpdatedMay 12, 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 UpdatedMay 6, 2026
Details
As Low As; All model years, Up to 36 months
Victoria City County Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
New & Used Auto Loans
3.58%
36 to 72 Months
▼
APR3.58%
Term36 to 72 Months
Last UpdatedMay 7, 2026
Details
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MonitorBankRates
Houston, TX Auto Loan Rate Trends
Compare local Houston, 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
5.713%
▲ 0.258 vs 7 days ago
Texas new auto rates rose 0.258 points over the past 7 days to 5.713% APR.
Used Auto Loan — TX Avg
5.810%
▲ 0.061 vs 7 days ago
Texas used auto rates rose 0.061 points over the past 7 days to 5.810% APR.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Houston, 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 Houston, 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 Houston, 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 Houston, Texas?
Based on our current data, some of the lowest auto loan rates available in Houston, Texas include:
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- MemberSource Credit Union: 3.73% (New & Used - Automobiles Year Models - 2020 & Newer)
- Texas Bay Credit Union: 3.94% (Auto Loans - Used & New)
- US Employees Credit Union: 3.99% (NEW Autos Up to 36 Months)
- Smart Financial Credit Union: 3.99% (Car Loans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Houston, Texas. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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