Auto Loan Rates in Houston, Texas (TX) for June 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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: 7.88% offering New and Pre-Owned Autos at 3.24%, MemberSource Credit UnionMemberSource Credit Union10100 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 2.53% offering New & Used - Automobiles at 3.73%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A5.0 ★Texas Ratio: 7.72% offering Auto Loans - Used & New at 3.94%, Smart Financial Credit UnionSmart Financial Credit Union4411 S Wayside Dr, Houston, TX, 77087 1109A5.0 ★Texas Ratio: 9.36% offering Car Loans at 3.99%, First Service Credit UnionFirst Service Credit Union8980 Clearwood Dr, Houston, TX, 77075A+5.0 ★Texas Ratio: 4.69% offering Auto Loan at 3.99%. Auto loan rates as of June 4, 2026 according to verified data from MonitorBankRates.
Houston has 25 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: June 4, 2026
Compare Auto Loan Rates Today in Houston, Texas & Surrounding Area
Houston 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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
4411 S Wayside Dr, Houston, TX, 77087 1109
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%
4411 S Wayside Dr, Houston, TX, 77087 1109
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%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8980 Clearwood Dr, Houston, TX, 77075
Auto Loan
3.99%
36 - 84
▼
APR3.99%
Term36 - 84
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
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%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
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: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.24%
48 Months
▼
APR4.24%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
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 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 31, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; 37 - 48 Months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedMay 21, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedMay 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 49 - 60 Months
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Auto Loans
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.99%
72 Months
▼
APR4.99%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
Auto Loans
4.99%
12-60
▼
APR4.99%
Term12-60
Last UpdatedMay 30, 2026
Details
New Auto, 12-60 Month Term
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 31, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
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%
7000 Fannin St, Houston, TX, 77030
Auto Loans
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedJun 3, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 30, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
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: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2020-2025 Model Years
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.02%
750 Bering Dr, Houston, TX, 77057
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%
750 Bering Dr Ste 100, Houston, TX, 77057
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.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 17, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedMay 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMay 30, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
12012 Space Center Blvd, Houston, TX, 77059
Auto Loans
5.49%
36 Months
▼
APR5.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; 36 months
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMay 21, 2026
Details
As Low As
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; Maximum Loan Discount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedMay 31, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 31, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedMay 21, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Excellent credit
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72
▼
APR5.75%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 61 - 72 Months
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 1, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 30, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedJun 3, 2026
Details
Excellent credit
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2023-2025 Model Years
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
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 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedMay 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedJun 3, 2026
Details
Good credit
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; 73 - 84 Months
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.25%
12 to 48 Months
▼
APR6.25%
Term12 to 48 Months
Last UpdatedJun 3, 2026
Details
Excellent credit tier
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedJun 1, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedJun 1, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
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 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
6.49%
36 Months
▼
APR6.49%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used or Refinanced
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2020 - 2023)
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMay 30, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.64%
49 to 66 Months
▼
APR6.64%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Good credit
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
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%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.84%
Up to 36
▼
APR6.84%
TermUp to 36
Last UpdatedMay 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.89%
67 Plus Months
▼
APR6.89%
Term67 Plus Months
Last UpdatedJun 3, 2026
Details
Good credit
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.90%
48 Months
▼
APR6.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2016 - 2019)
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedJun 1, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
6.99%
48 Months
▼
APR6.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used or Refinanced
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.00%
12 to 48 Months
▼
APR7.00%
Term12 to 48 Months
Last UpdatedJun 3, 2026
Details
Good credit tier
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedMay 21, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.09%
60 Months
▼
APR7.09%
Term60 Months
Last UpdatedMay 21, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.30%
60 Months
▼
APR7.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
7.49%
60 Months
▼
APR7.49%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used or Refinanced
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
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%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
7.50%
49 to 66 Months
▼
APR7.50%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Good credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.70%
72 Months
▼
APR7.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.74%
72 Months
▼
APR7.74%
Term72 Months
Last UpdatedMay 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedMay 21, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
7.89%
49 to 66 Months
▼
APR7.89%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Average credit
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
7.94%
84 Months
▼
APR7.94%
Term84 Months
Last UpdatedMay 21, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; New Auto
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.00%
12 to 48 Months
▼
APR8.00%
Term12 to 48 Months
Last UpdatedJun 3, 2026
Details
Average credit tier
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loan
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedMay 21, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
8.10%
84 Months
▼
APR8.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
8.14%
67 Plus Months
▼
APR8.14%
Term67 Plus Months
Last UpdatedJun 3, 2026
Details
Average credit
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.25%
12 to 36 Months
▼
APR8.25%
Term12 to 36 Months
Last UpdatedJun 3, 2026
Details
Excellent credit tier
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
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 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
8.49%
72 Months
▼
APR8.49%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used or Refinanced
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.50%
49 to 66 Months
▼
APR8.50%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Average credit tier
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
8.75%
37 to 60 Months
▼
APR8.75%
Term37 to 60 Months
Last UpdatedJun 3, 2026
Details
Excellent credit tier
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.90%
48 Months
▼
APR8.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedMay 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans
8.99%
84 Months
▼
APR8.99%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As; Used or Refinanced
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
9.00%
12 to 36 Months
▼
APR9.00%
Term12 to 36 Months
Last UpdatedJun 3, 2026
Details
Good credit tier
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.24%
96 Months
▼
APR9.24%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.30%
60 Months
▼
APR9.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
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%
7000 Fannin St, Houston, TX, 77030
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%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.64%
49 to 66 Months
▼
APR9.64%
Term49 to 66 Months
Last UpdatedJun 3, 2026
Details
Fair credit
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.70%
72 Months
▼
APR9.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Powered by
MonitorBankRates
Houston 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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedMay 20, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
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: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
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 22, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.49%
Up to 48-54 Months
▼
APR4.49%
TermUp to 48-54 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 60 Months
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.50%
37 - 48
▼
APR4.50%
Term37 - 48
Last UpdatedMay 22, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
4.95%
49 - 60
▼
APR4.95%
Term49 - 60
Last UpdatedMay 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 84 Months
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2020-2025 Model Years
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 17, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMay 30, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedMay 31, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJun 1, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
5.75%
61 - 72
▼
APR5.75%
Term61 - 72
Last UpdatedMay 22, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJun 1, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 30, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2023-2025 Model Years
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJun 1, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.25%
73 - 84
▼
APR6.25%
Term73 - 84
Last UpdatedMay 22, 2026
Details
As Low As
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
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 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.49%
48 Months
▼
APR6.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.50%
48 Months
▼
APR6.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
6.74%
36 Months
▼
APR6.74%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJun 1, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.90%
48 Months
▼
APR6.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
6.95%
60 Months
▼
APR6.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
6.99%
60 Months
▼
APR6.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.24%
48 Months
▼
APR7.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.30%
60 Months
▼
APR7.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.70%
72 Months
▼
APR7.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
7.74%
60 Months
▼
APR7.74%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
7.99%
72 Months
▼
APR7.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
8.10%
84 Months
▼
APR8.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.24%
72 Months
▼
APR8.24%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
New Automobile Loan
8.25%
84 Months
▼
APR8.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Smart Start Auto Loans New Auto
8.49%
84 Months
▼
APR8.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
8.74%
84 Months
▼
APR8.74%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.90%
48 Months
▼
APR8.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto
9.24%
96 Months
▼
APR9.24%
Term96 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.30%
60 Months
▼
APR9.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.70%
72 Months
▼
APR9.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Powered by
MonitorBankRates
Houston 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%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36
▼
APR3.24%
Term12-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
10100 Richmond Ave, Houston, TX, 77042
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
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36
▼
APR3.94%
Term0-36
Last UpdatedMay 20, 2026
Details
As Low As
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
10100 Richmond Ave, Houston, TX, 77042
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%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.00%
48 - 84
▼
APR4.00%
Term48 - 84
Last UpdatedMay 23, 2026
Details
As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
4.05%
36 Months
▼
APR4.05%
Term36 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2019-2025 Model Years
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60
▼
APR4.14%
Term49-60
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.24%
Up to 48 Months
▼
APR4.24%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 22, 2026
Details
As Low As; Up to 36 Months
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedMay 31, 2026
Details
As Low As
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72
▼
APR4.29%
Term61-72
Last UpdatedMay 20, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.39%
Up to 36
▼
APR4.39%
TermUp to 36
Last UpdatedMay 17, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.49%
48 Months
▼
APR4.49%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 72 Months
▼
APR4.49%
TermUp to 72 Months
Last UpdatedMay 31, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 22, 2026
Details
As Low As; 37 - 48 Months
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.50%
36 Months
▼
APR4.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.54%
49 - 60
▼
APR4.54%
Term49 - 60
Last UpdatedMay 17, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.64%
37 - 48
▼
APR4.64%
Term37 - 48
Last UpdatedMay 17, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.74%
Up to 48 Months
▼
APR4.74%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 60 Months
4.75%
60 Months
▼
APR4.75%
Term60 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.79%
61 - 75
▼
APR4.79%
Term61 - 75
Last UpdatedMay 17, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.79%
36 months
▼
APR4.79%
Term36 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedMay 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
4.90%
48 Months
▼
APR4.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
60 Months
▼
APR4.95%
Term60 Months
Last UpdatedMay 22, 2026
Details
As Low As; 49 - 60 Months
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedMay 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedMay 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 60 Months
▼
APR4.99%
TermUp to 60 Months
Last UpdatedMay 31, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.00%
36 Months
▼
APR5.00%
Term36 Months
Last UpdatedMay 30, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 72 Months
5.00%
72 Months
▼
APR5.00%
Term72 Months
Last UpdatedMay 31, 2026
Details
As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
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: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.15%
48 Months
▼
APR5.15%
Term48 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2020-2025 Model Years
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.24%
Up to 48 Months
▼
APR5.24%
TermUp to 48 Months
Last UpdatedMay 31, 2026
Details
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 84 Months
5.25%
84 Months
▼
APR5.25%
Term84 Months
Last UpdatedMay 31, 2026
Details
As Low As
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.29%
76 - 84
▼
APR5.29%
Term76 - 84
Last UpdatedMay 17, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.30%
60 Months
▼
APR5.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.40%
48 Months
▼
APR5.40%
Term48 Months
Last UpdatedMay 30, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84
▼
APR5.44%
Term73-84
Last UpdatedMay 20, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedMay 18, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 54 Months
▼
APR5.49%
TermUp to 54 Months
Last UpdatedMay 31, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
5.70%
72 Months
▼
APR5.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
72 Months
▼
APR5.75%
Term72 Months
Last UpdatedMay 22, 2026
Details
As Low As; 61 - 72 Months
Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 15.58%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loans
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 30, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
Auto Loans (New & Used)
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMay 17, 2026
Details
As Low As; 2023-2025 Model Years
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
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 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 730+ - A+
6.10%
84 Months
▼
APR6.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.20%
72 Months
▼
APR6.20%
Term72 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedMay 20, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
84 Months
▼
APR6.25%
Term84 Months
Last UpdatedMay 22, 2026
Details
As Low As; 73 - 84 Months
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
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 17, 2026
Details
As Low As; Qualifying Model Years (2020 or newer)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto1
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedMay 18, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
Used or Refinanced Car Loans
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedMay 20, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.50%
36 Months
▼
APR6.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 680 - 729* - A
6.60%
84 Months
▼
APR6.60%
Term84 Months
Last UpdatedMay 30, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase3 (Model Year 2019 and older)
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedMay 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
6.90%
48 Months
▼
APR6.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.30%
60 Months
▼
APR7.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
7.70%
72 Months
▼
APR7.70%
Term72 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 640 - 679 - B
8.10%
84 Months
▼
APR8.10%
Term84 Months
Last UpdatedMay 30, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
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 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.50%
36 Months
▼
APR8.50%
Term36 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
8.90%
48 Months
▼
APR8.90%
Term48 Months
Last UpdatedMay 30, 2026
Details
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto3- Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedMay 17, 2026
Details
As Low As; Qualifying Model Years: (2019 or older)
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
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 20, 2026
Details
As Low As
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.30%
60 Months
▼
APR9.30%
Term60 Months
Last UpdatedMay 30, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m) - 600 - 639 - C
9.70%
72 Months
▼
APR9.70%
Term72 Months
Last UpdatedMay 30, 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
5.730%
▲ 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 Houston, 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 Houston, 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 Houston, 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 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)
- Texas Bay Credit Union: 3.94% (Auto Loans - Used & New)
- Smart Financial Credit Union: 3.99% (Car Loans)
- First Service Credit Union: 3.99% (Auto Loan)
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: June 4, 2026
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