Auto Loan Rates in Houston, Texas (TX) for July 2026
Content reviewed by
Brian McKay
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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 Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 3.11% offering Auto Loans at 2.50%, 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%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A5.0 ★Texas Ratio: 7.72% offering Used & New Auto Loans at 3.94%, Smart Financial Credit UnionSmart Financial Credit Union4411 S Wayside Dr, Houston, TX, 77087 1109A5.0 ★Texas Ratio: 9.36% offering New Auto at 3.99%, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 1.38% offering NEW Autos Up to 36 Months at 3.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Houston has 24 local institutions in our database, with auto loan rates as low as 2.50% APR from Southern Federal Credit Union at 1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023. 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: July 16, 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
Southern Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.11%
1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023
Auto Loans
2.50%
84 months
▼
APR2.50%
Term84 months
Last UpdatedJul 15, 2026
Details
As low as; Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term.
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 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 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 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
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%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 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 UpdatedJul 16, 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%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos Up to 48 Months
4.25%
48 Months
▼
APR4.25%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 16, 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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.49% to 14.00%
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%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Current model year
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 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 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.50% to 14.00%
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 UpdatedJul 16, 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
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
4.69%
up to 96 Months
▼
APR4.69%
Termup to 96 Months
Last UpdatedJul 12, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 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 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
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 or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 9.94%
845 N Eldridge Pkwy, Houston, TX, 77079
Auto Loans
4.84%
48 Mo
▼
APR4.84%
Term48 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 4 Years $474
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
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)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 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
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
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%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Vehicle Loans
4.95%
60 months
▼
APR4.95%
Term60 months
Last UpdatedJul 15, 2026
Details
As Low As; $250 cash back. Terms and Conditions Apply.
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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
Excellent credit tier
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 UpdatedJul 11, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "as low as".
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
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 UpdatedJul 16, 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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.99% to 15.49%
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)
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 5.00% to 15.25%
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 9.94%
845 N Eldridge Pkwy, Houston, TX, 77079
Auto Loans
5.03%
60 Mo
▼
APR5.03%
Term60 Mo
Last UpdatedJul 16, 2026
Details
As Low As; Savings Over 5 Years $851
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.09%
61 - 75 Months
▼
APR5.09%
Term61 - 75 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.59%
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 UpdatedJul 16, 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%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
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 UpdatedJul 11, 2026
Details
As Low As; Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
750 Bering Dr Ste 100, Houston, TX, 77057
Car Loans
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedJul 14, 2026
Details
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 5.25% to 15.75%
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)
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJul 15, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $5,000+
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)
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJul 15, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 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 Up to 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $15,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 11, 2026
Details
As Low As; See all Loan Rates
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 36 Months
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.59%
76 - 84 Months
▼
APR5.59%
Term76 - 84 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 18.00%
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $15,000+
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 UpdatedJul 11, 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)
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJul 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $20,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $15,000
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%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJul 15, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 66 Months
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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)
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
Excellent credit tier
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%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Minimum $35,000; Model Years: 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 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
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 36 Months
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $20,000
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 UpdatedJul 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 75 Months
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $15,000+
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)
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJul 15, 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 UpdatedJul 16, 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)
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJul 15, 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 Purchase (Model Year 2019 and older) - Up to 48 Months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
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 UpdatedJul 11, 2026
Details
Good credit tier
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 UpdatedJul 11, 2026
Details
Excellent credit tier
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%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
6.29%
66 Months
▼
APR6.29%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans
6.47%
48 Months
▼
APR6.47%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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 Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
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 Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJul 6, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 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
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
New Auto APR
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 66 Months
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loan
6.49%
75 Months
▼
APR6.49%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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%
37 - 48 Months
▼
APR6.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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)
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJul 15, 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)
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJul 15, 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 UpdatedJul 11, 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 Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedJul 11, 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 Purchase (Model Year 2019 and older) - Up to 75 Months
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $15,000
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 UpdatedJul 11, 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) - 84 Months
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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 months
▼
APR6.84%
TermUp to 36 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $2,500+
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 UpdatedJul 11, 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 Loans
6.89%
84 months
▼
APR6.89%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $20,000+
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)
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJul 15, 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%
49 - 60 Months
▼
APR6.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans
6.95%
66 Months
▼
APR6.95%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
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%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
New Auto APR
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 UpdatedJul 11, 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 Loans
7.09%
84 months
▼
APR7.09%
Term84 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $20,000+
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedJul 11, 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)
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJul 15, 2026
Details
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 Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJul 6, 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
Smart Start Auto Loans
7.49%
Up to 60 months
▼
APR7.49%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Used or Refinanced APR
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 UpdatedJul 11, 2026
Details
Average credit tier
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 UpdatedJul 11, 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)
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 12, 2026
Details
Loan Amount: $25,000+
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%
61 - 72 Months
▼
APR7.75%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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 UpdatedJul 11, 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 Loans
7.89%
96 months
▼
APR7.89%
Term96 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $40,000+
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 UpdatedJul 12, 2026
Details
Loan Amount: $25,000+
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.99%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
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%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
New Auto APR
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 UpdatedJul 11, 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 Loans
8.09%
96 months
▼
APR8.09%
Term96 months
Last UpdatedJul 12, 2026
Details
Loan Amount: $40,000+
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)
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJul 15, 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 UpdatedJul 11, 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 Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 11, 2026
Details
Excellent credit tier
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%
73 - 84 Months
▼
APR8.25%
Term73 - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr, Houston, TX, 77007 7702
Older Model Auto - Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedJul 6, 2026
Details
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
New Auto Loan
8.49%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
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%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
New Auto APR
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 UpdatedJul 11, 2026
Details
Average 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)
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
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 UpdatedJul 11, 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)
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJul 15, 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 Auto - Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedJul 6, 2026
Details
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 UpdatedJul 11, 2026
Details
Used or Refinanced APR
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 UpdatedJul 11, 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 Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedJul 11, 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)
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
Fair credit tier
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 UpdatedJul 11, 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 UpdatedJul 11, 2026
Details
Fair 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)
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedJul 11, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
9.89%
67 Plus Months
▼
APR9.89%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Fair credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.00%
12 to 36 Months
▼
APR10.00%
Term12 to 36 Months
Last UpdatedJul 11, 2026
Details
Average 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)
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJul 15, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
10.50%
37 to 60 Months
▼
APR10.50%
Term37 to 60 Months
Last UpdatedJul 11, 2026
Details
Average 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)
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJul 15, 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)
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJul 15, 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)
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJul 15, 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)
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJul 15, 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)
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJul 15, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
14.65%
1 to 48 Months
▼
APR14.65%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.10%
49 to 66 Months
▼
APR15.10%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
15.35%
67 Plus Months
▼
APR15.35%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Marginal credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.25%
1 to 48 Months
▼
APR17.25%
Term1 to 48 Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.70%
49 to 66 Months
▼
APR17.70%
Term49 to 66 Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St, Houston, TX, 77030
Auto Loan
17.90%
67 Plus Months
▼
APR17.90%
Term67 Plus Months
Last UpdatedJul 11, 2026
Details
Low / No score credit tier
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 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
3.99%
Up to 36 months
▼
APR3.99%
TermUp to 36 months
Last UpdatedJul 11, 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 36 Months
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 3.99% to 13.00%
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%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.49%
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.49%
Up to 48 months
▼
APR4.49%
TermUp to 48 months
Last UpdatedJul 11, 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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.49% to 14.00%
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)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
New Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 2026
Details
As Low As; Current model year
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 UpdatedJul 16, 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
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 36 Months
4.74%
36 Months
▼
APR4.74%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
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 UpdatedJul 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 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 72 Months
4.75%
72 Months
▼
APR4.75%
Term72 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
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 or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 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
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 48 Months
4.99%
48 Months
▼
APR4.99%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
3000 Post Oak Blvd Ste 150, Houston, TX, 77056 6501
New Auto Loan
4.99%
12-60 Month Term
▼
APR4.99%
Term12-60 Month Term
Last UpdatedJul 15, 2026
Details
Annual Percentage Rates shown are "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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.99% to 15.49%
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)
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJul 15, 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
5.09%
61 - 75 Months
▼
APR5.09%
Term61 - 75 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.59%
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 UpdatedJul 16, 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%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 66 Months
5.24%
66 Months
▼
APR5.24%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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)
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJul 15, 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)
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJul 15, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 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 Up to 75 Months
5.49%
75 Months
▼
APR5.49%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $15,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 16, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 36 Months
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.59%
76 - 84 Months
▼
APR5.59%
Term76 - 84 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 18.00%
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)
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJul 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan Up to 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $20,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $15,000
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 66 Months
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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)
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJul 15, 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%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Minimum $35,000; Model Years: 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
5.99%
Up to 36 months
▼
APR5.99%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
5.99%
Up to 72 months
▼
APR5.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $20,000
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 75 Months
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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)
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJul 15, 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 UpdatedJul 16, 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)
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJul 15, 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%
Up to 36 Months
▼
APR6.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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 Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
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 Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJul 6, 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 UpdatedJul 11, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.49%
Up to 48 months
▼
APR6.49%
TermUp to 48 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.49%
84 months
▼
APR6.49%
Term84 months
Last UpdatedJul 11, 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
6.50%
37 - 48 Months
▼
APR6.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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)
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJul 15, 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)
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.74%
Up to 36 months
▼
APR6.74%
TermUp to 36 months
Last UpdatedJul 11, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer) - 84 Months
6.79%
84 Months
▼
APR6.79%
Term84 Months
Last UpdatedJul 16, 2026
Details
As Low As; Apply Now »
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)
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJul 15, 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%
49 - 60 Months
▼
APR6.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
6.99%
Up to 60 months
▼
APR6.99%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.24%
Up to 48 months
▼
APR7.24%
TermUp to 48 months
Last UpdatedJul 11, 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)
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJul 15, 2026
Details
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 Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
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)
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.74%
Up to 60 months
▼
APR7.74%
TermUp to 60 months
Last UpdatedJul 11, 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
7.75%
61 - 72 Months
▼
APR7.75%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
7.99%
Up to 72 months
▼
APR7.99%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
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)
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
8.24%
Up to 72 months
▼
APR8.24%
TermUp to 72 months
Last UpdatedJul 11, 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
8.25%
73 - 84 Months
▼
APR8.25%
Term73 - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
8.49%
84 months
▼
APR8.49%
Term84 months
Last UpdatedJul 11, 2026
Details
Rates shown are for new vehicles. Asterisk indicates rates may vary.
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)
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
8.74%
Up to 84 months
▼
APR8.74%
TermUp to 84 months
Last UpdatedJul 11, 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)
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
9.24%
Up to 96 months
▼
APR9.24%
TermUp to 96 months
Last UpdatedJul 11, 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)
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJul 15, 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)
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJul 15, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
4411 S Wayside Dr, Houston, TX, 77087 1109
New Auto Loan
9.74%
Up to 120 months
▼
APR9.74%
TermUp to 120 months
Last UpdatedJul 11, 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)
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJul 15, 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)
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJul 15, 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)
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJul 15, 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)
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJul 15, 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)
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJul 15, 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)
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJul 15, 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 Months
▼
APR3.24%
Term12-36 Months
Last UpdatedJul 7, 2026
Details
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedJul 7, 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%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2019-2025
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedJul 7, 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 UpdatedJul 16, 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%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
9700 Richmond Ave, Houston, TX, 77042
USED Autos Up to 36 Months
4.25%
36 Months
▼
APR4.25%
Term36 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.25% to 13.75%
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedJul 7, 2026
Details
As Low As; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedJul 15, 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 UpdatedJul 16, 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%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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)
4.50%
36mm
▼
APR4.50%
Term36mm
Last UpdatedJul 15, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.19%
18540 Northwest Fwy, Houston, TX, 77065
Used Autos
4.50%
48 - 84 months
▼
APR4.50%
Term48 - 84 months
Last UpdatedJul 16, 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 48 Months
4.50%
48 Months
▼
APR4.50%
Term48 Months
Last UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.50% to 14.00%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.69%
Up to 36 Months
▼
APR4.69%
TermUp to 36 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.44%
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 UpdatedJul 16, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 4.75% to 14.75%
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 or less
▼
APR4.79%
Term36 months or less
Last UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
4.84%
49 - 60 Months
▼
APR4.84%
Term49 - 60 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.34%
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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)
4.90%
48m
▼
APR4.90%
Term48m
Last UpdatedJul 15, 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
4.94%
37 - 48 Months
▼
APR4.94%
Term37 - 48 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 15.69%
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%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 36 Month
4.99%
36 Month
▼
APR4.99%
Term36 Month
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedJul 16, 2026
Details
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 UpdatedJul 16, 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)
5.00%
36mm
▼
APR5.00%
Term36mm
Last UpdatedJul 15, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 5.00% to 15.25%
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos
5.09%
61 - 75 Months
▼
APR5.09%
Term61 - 75 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 16.59%
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%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2020-2025
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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 48 Months
5.24%
48 Months
▼
APR5.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
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 UpdatedJul 16, 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 UpdatedJul 16, 2026
Details
As Low As; Rates range from 5.25% to 15.75%
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)
5.30%
60m
▼
APR5.30%
Term60m
Last UpdatedJul 15, 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)
5.40%
48m
▼
APR5.40%
Term48m
Last UpdatedJul 15, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St, Houston, TX, 77034
Used & New Auto Loans
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedJul 7, 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 Purchase (Model Year 2020 and newer) - Up to 66 Months
5.49%
66 Months
▼
APR5.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $2,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedJul 16, 2026
Details
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 UpdatedJul 16, 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
5.59%
76 - 84 Months
▼
APR5.59%
Term76 - 84 Months
Last UpdatedJul 6, 2026
Details
Maximum APR: 18.00%
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)
5.70%
72m
▼
APR5.70%
Term72m
Last UpdatedJul 15, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 75 Months
5.74%
75 Months
▼
APR5.74%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $15,000
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%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedJul 15, 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 UpdatedJul 11, 2026
Details
As Low As; APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply to commercial loans. All loans are subject to approval. Rates as of July 11, 2026. Rates are subject to change without notice.
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)
5.80%
60m
▼
APR5.80%
Term60m
Last UpdatedJul 15, 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%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Minimum $35,000; Model Years: 2023-2025
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loans
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Model Years: 2023-2025; Minimum $35,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 36 Months
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase (Model Year 2020 and newer) - Up to 84 Months
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount: $20,000
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 UpdatedJul 16, 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)
6.10%
84m
▼
APR6.10%
Term84m
Last UpdatedJul 15, 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)
6.20%
72m
▼
APR6.20%
Term72m
Last UpdatedJul 15, 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 Purchase (Model Year 2019 and older) - Up to 48 Months
6.24%
48 Months
▼
APR6.24%
Term48 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
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%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedJul 15, 2026
Details
As Low As; Fixed Rate
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 Jet Ski & ATV Loan
6.49%
0 - 60 months
▼
APR6.49%
Term0 - 60 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
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 Loan
6.49%
0 - 48 months
▼
APR6.49%
Term0 - 48 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX, 77073 5114
Older Used Auto Loan Purchase (Model Year 2019 and older) - Up to 66 Months
6.49%
66 Months
▼
APR6.49%
Term66 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $2,000
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
6.49%
Up to 84 Months
▼
APR6.49%
TermUp to 84 Months
Last UpdatedJul 16, 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)
6.50%
36mm
▼
APR6.50%
Term36mm
Last UpdatedJul 15, 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)
6.60%
84m
▼
APR6.60%
Term84m
Last UpdatedJul 15, 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 Purchase (Model Year 2019 and older) - Up to 75 Months
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedJul 11, 2026
Details
As Low As; Minimum Amount $15,000
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)
6.90%
48m
▼
APR6.90%
Term48m
Last UpdatedJul 15, 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)
7.30%
60m
▼
APR7.30%
Term60m
Last UpdatedJul 15, 2026
Details
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 Jet Ski & ATV Loan
7.49%
61-84 months
▼
APR7.49%
Term61-84 months
Last UpdatedJul 6, 2026
Details
As Low As; Qualifying Model Years: (2020 or newer)
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)
7.70%
72m
▼
APR7.70%
Term72m
Last UpdatedJul 15, 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)
8.10%
84m
▼
APR8.10%
Term84m
Last UpdatedJul 15, 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 Auto - Pre-Owned Auto
8.49%
0 - 36 months
▼
APR8.49%
Term0 - 36 months
Last UpdatedJul 6, 2026
Details
Qualifying Model Years: (2019 or older)
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)
8.50%
36mm
▼
APR8.50%
Term36mm
Last UpdatedJul 15, 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)
8.90%
48m
▼
APR8.90%
Term48m
Last UpdatedJul 15, 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 Auto - Pre-Owned Auto
8.99%
Internal Refinance
▼
APR8.99%
TermInternal Refinance
Last UpdatedJul 6, 2026
Details
Qualifying Model Years: (2019 or older)
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)
9.30%
60m
▼
APR9.30%
Term60m
Last UpdatedJul 15, 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)
9.70%
72m
▼
APR9.70%
Term72m
Last UpdatedJul 15, 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)
10.10%
84m
▼
APR10.10%
Term84m
Last UpdatedJul 15, 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)
12.50%
36mm
▼
APR12.50%
Term36mm
Last UpdatedJul 15, 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)
12.90%
48m
▼
APR12.90%
Term48m
Last UpdatedJul 15, 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)
13.30%
60m
▼
APR13.30%
Term60m
Last UpdatedJul 15, 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)
13.70%
72m
▼
APR13.70%
Term72m
Last UpdatedJul 15, 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)
14.10%
84m
▼
APR14.10%
Term84m
Last UpdatedJul 15, 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
6.109%
▲ 0.484 vs 7 days ago
Texas new auto rates rose 0.484 points over the past 7 days to 6.109% APR.
Used Auto Loan — TX Avg
5.879%
▲ 0.207 vs 7 days ago
Texas used auto rates rose 0.207 points over the past 7 days to 5.879% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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:
- Southern Federal Credit Union: 2.50% (Auto Loans)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Texas Bay Credit Union: 3.94% (Used & New Auto Loans)
- Smart Financial Credit Union: 3.99% (New Auto)
- US Employees Credit Union: 3.99% (NEW Autos Up to 36 Months)
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: July 16, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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