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Houston, Texas Best Auto Loan Rates - September 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Houston, Texas. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Houston, Texas include Southern Federal Credit UnionSouthern Federal Credit Union1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023A+5.0 ★Texas Ratio: 2.90% offering Auto Loans at 2.50%, Coastal Community Federal Credit UnionCoastal Community Federal Credit Union7002 Fauna St, Houston, TX, 77061 3918A5.0 ★Texas Ratio: 8.81% offering Vehicle Loans - 0-36 Months at 3.01%, Members Choice Credit UnionMembers Choice Credit Union18211 Katy Fwy, Houston, TX, 77094 1395A+5.0 ★Texas Ratio: 5.67% offering New and Pre-Owned Autos at 3.24%, Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX, 77034A+5.0 ★Texas Ratio: 5.55% offering Auto Loans - Used & New at 3.94%, US Employees Credit UnionUS Employees Credit Union9700 Richmond Ave, Houston, TX, 77042A+5.0 ★Texas Ratio: 1.39% offering NEW Autos - Up to 36 Months at 3.99%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Houston has 37 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, so 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: September 22, 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: 2.90%
1414 Enclave Pkwy Ste 250, Houston, TX, 77077 2023
Auto Loans
2.50%
up to 84 months
▼
APR2.50%
Termup to 84 months
Last UpdatedSep 20, 2026
Details
As low as; Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term. 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 interest will accrue during 90-day payment deferral period.
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 0-36 Months
3.01%
36 Months
▼
APR3.01%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Interest Rate3.24%
Term12-36 Months
Last UpdatedSep 22, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 0-36 Months
3.26%
36 Months
▼
APR3.26%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 37-48 Months
3.26%
48 Months
▼
APR3.26%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 0-36 Months
3.76%
36 Months
▼
APR3.76%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 37-48 Months
3.76%
48 Months
▼
APR3.76%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 49-60 Months
3.76%
60 Months
▼
APR3.76%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 22, 2026
Details
As low as; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 22, 2026
Details
As low as; *
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 13.00%. As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 18.00%.
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 18.00%.
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.56%
8980 Clearwood Dr, Houston, TX, 77075
Auto Loan
3.99%
36 - 84 months
▼
APR3.99%
Term36 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
As low as
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 0-36 Months
4.06%
36 Months
▼
APR4.06%
Term36 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: C
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 37-48 Months
4.06%
48 Months
▼
APR4.06%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 49-60 Months
4.06%
60 Months
▼
APR4.06%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 61-75 Months
4.06%
75 Months
▼
APR4.06%
Term75 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 22, 2026
Details
As low as; *
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.19%
36 Months
▼
APR4.19%
Interest Rate4.19%
Term36 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.24%
Up to 48 months
▼
APR4.24%
TermUp to 48 months
Last UpdatedSep 18, 2026
Details
Loan Amount: 0.75%
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
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 UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 48 Months
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.25% - 13.49%. As Low As; Rates as low as 4.25% - 13.49%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 36 Months
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.25% - 13.75%. As Low As; Rates as low as 4.25% - 13.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As low as
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 22, 2026
Details
As low as; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
4.40%
1 to 48 months
▼
APR4.40%
Term1 to 48 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.44%
48 Months
▼
APR4.44%
Interest Rate4.44%
Term48 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedSep 18, 2026
Details
Loan Amount: 0.75%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 16.99%.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
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 UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 16.49%.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 60 Months
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 14.00%. As Low As; Rates as low as 4.49% - 14.00%
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
4.50%
49 to 60 months
▼
APR4.50%
Term49 to 60 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm Rate
▼
APR4.50%
Interest Rate4.50%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 48 Months
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.50% - 14.00%. As Low As; Rates as low as 4.50% - 14.00%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As low as
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.69%
Up to 24 months
▼
APR4.69%
TermUp to 24 months
Last UpdatedSep 16, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.69%
60 Months
▼
APR4.69%
Interest Rate4.69%
Term60 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.74% - 17.24%.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.74% - 16.74%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
United Community Credit Union Houston, Tx
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
771 Normandy St, Houston, TX, 77015 3467
Vehicles (New and Used) Loan
4.74%
48-84 Months
▼
APR4.74%
Term48-84 Months
Last UpdatedSep 22, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
4.75%
61 to 66 months
▼
APR4.75%
Term61 to 66 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
4.75%
67 to 72 months
▼
APR4.75%
Term67 to 72 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $15,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 months
▼
APR4.75%
Interest Rate4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 72 Months
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.75% - 14.75%. As Low As; Rates as low as 4.75% - 14.75%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 60 Months
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.75% - 14.75%. As Low As; Rates as low as 4.75% - 14.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 72 Months ($25,000.00 or more); As low as
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As low as
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 37-48 Months
4.76%
48 Months
▼
APR4.76%
Term48 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: C
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 49-60 Months
4.76%
60 Months
▼
APR4.76%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 61-75 Months
4.76%
75 Months
▼
APR4.76%
Term75 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 76-84 Months
4.76%
84 Months
▼
APR4.76%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A+
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - Up to 36 Months
4.84%
Up to 36 Months
▼
APR4.84%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.59%
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
4.89%
36 months
▼
APR4.89%
Term36 months
Last UpdatedSep 16, 2026
Details
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m Rate
▼
APR4.90%
Interest Rate4.90%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
4.99%
0 - 60 months
▼
APR4.99%
Term0 - 60 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedSep 18, 2026
Details
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
7000 Fannin St, Houston, TX, 77030
Auto Loan
4.99%
1 to 48 Months
▼
APR4.99%
Term1 to 48 Months
Last UpdatedSep 18, 2026
Details
Credit Tier: Excellent
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
4.99%
72 Months
▼
APR4.99%
Interest Rate4.99%
Term72 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2025 & Newer
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
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 UpdatedSep 21, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 17.49%.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 16.99%.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 84 Months
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 15.49%. As Low As; Rates as low as 4.99% - 15.49%
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.00%
36mm Rate
▼
APR5.00%
Interest Rate5.00%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 72 Months
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.00% - 15.25%. As Low As; Rates as low as 5.00% - 15.25%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedSep 22, 2026
Details
Term: Up to 84 months ($30,000.00 or more); As low as
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 72 Months ($25,000.00 or more); As low as
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 37 - 48 Months
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 49 - 60 Months
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
5.14%
73 to 75 months
▼
APR5.14%
Term73 to 75 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $20,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 60 Months
▼
APR5.15%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2021-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2022-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2020-2025; As Low As
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.19%
36 months
▼
APR5.19%
Term36 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.19%
48 months
▼
APR5.19%
Term48 months
Last UpdatedSep 16, 2026
Details
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
5.19%
60 Months
▼
APR5.19%
Interest Rate5.19%
Term60 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2021-2024
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 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. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Truity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
925 N Eldridge Pkwy Rm EC4 01 N 314, Houston, TX, 77079 2703
Auto Loan
5.24%
60 months
▼
APR5.24%
Term60 months
Last UpdatedSep 14, 2026
Details
Auto loan payment example: $20,000 at 5.24% for 60 months=$379.63 per month. Other rates and terms available.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
5.24%
61 -72 months
▼
APR5.24%
Term61 -72 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2023 or newer)
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 61 - 75 Months
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 16.74%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.24% - 17.49%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 80% Financing MSRP or NADA Retail (20% down)
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 22, 2026
Details
100% Financing MSRP or NADA Retail
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 84 Months
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.25% - 15.75%. As Low As; Rates as low as 5.25% - 15.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 84 Months ($30,000.00 or more); As low as
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.30%
60m Rate
▼
APR5.30%
Interest Rate5.30%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $5,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 16, 2026
Details
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
800 Capitol St Ste 100, Houston, TX, 77002
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
5.39%
48 Months
▼
APR5.39%
Interest Rate5.39%
Term48 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2020
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.40%
48m Rate
▼
APR5.40%
Interest Rate5.40%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedSep 22, 2026
Details
As low as; *
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $2,500+
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
5.49%
0 - 60 months
▼
APR5.49%
Term0 - 60 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2020 or newer)
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX, 77044
Auto Loan
5.49%
Up to 84 months
▼
APR5.49%
TermUp to 84 months
Last UpdatedSep 18, 2026
Details
Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 17.49%.
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 17.24%.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 36 Month
5.49%
Up to 36 Month
▼
APR5.49%
TermUp to 36 Month
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.00%
12012 Space Center Blvd, Houston, TX, 77059
Auto Loans
5.49%
36 months
▼
APR5.49%
Term36 months
Last UpdatedSep 22, 2026
Details
As Low As; 36 months
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle Loan
5.50%
48 MONTH
▼
APR5.50%
Term48 MONTH
Last UpdatedSep 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $5,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $15,000+
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Vehicle Loans
5.59%
72 months
▼
APR5.59%
Term72 months
Last UpdatedSep 16, 2026
Details
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
800 Capitol St Ste 100, Houston, TX, 77002
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.67%
16600 John F Kennedy Blvd, Houston, TX, 77032 6514
Auto Loan
5.59%
36 Months
▼
APR5.59%
Interest Rate5.59%
Term36 Months
Last UpdatedSep 20, 2026
Details
Vehicle Year: 2016-2019
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.64%
49 to 66 Months
▼
APR5.64%
Term49 to 66 Months
Last UpdatedSep 18, 2026
Details
Credit Tier: Excellent
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 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. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.70%
72m Rate
▼
APR5.70%
Interest Rate5.70%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.04%
2000 Post Oak Blvd, Houston, TX, 77056
New and Pre-Owned Auto Loan
5.70%
48 to 84 Month
▼
APR5.70%
Term48 to 84 Month
Last UpdatedSep 21, 2026
Details
Discounts for recurring direct deposits of $500 or more.
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
5.74%
61 -72 months
▼
APR5.74%
Term61 -72 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2023 or newer)
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 76 - 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 18.00%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 17.49%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 48 Months
5.74%
Up to 48 Months
▼
APR5.74%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 months
▼
APR5.75%
Interest Rate5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - 6 - 10 Years Old
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedSep 22, 2026
Details
Published APR range: 5.75% - 16.75%. As Low As; Rates as low as 5.75% - 16.75%
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans
5.76%
36 Months
▼
APR5.76%
Term36 Months
Last UpdatedSep 22, 2026
Details
Apply Now ; Model Year: 2020 - 2023
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
5.79%
73 - 84 months
▼
APR5.79%
Term73 - 84 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2023 or newer)
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.80%
60m Rate
▼
APR5.80%
Interest Rate5.80%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Chartway Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.46%
4373 FM 1960 West, Houston, TX, 77014
Auto Loan
5.84%
76 to 84 months
▼
APR5.84%
Term76 to 84 months
Last UpdatedSep 18, 2026
Details
Model Year: New 2026 (6,000 miles or less); Minimum Loan Amount: $25,000; Auto debit discount of 0.25% APR, Member Loyalty discount of .25% APR, and loan to value of less than 90% discount of 0.25% APR. Discounts may not exceed 0.75% APR.
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
7000 Fannin St, Houston, TX, 77030
Auto Loan
5.89%
67 Plus Months
▼
APR5.89%
Term67 Plus Months
Last UpdatedSep 18, 2026
Details
Credit Tier: Excellent
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2023-2025; As Low As
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle Loan
5.99%
60 MONTH
▼
APR5.99%
Term60 MONTH
Last UpdatedSep 21, 2026
Details
As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
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 UpdatedSep 22, 2026
Details
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 22, 2026
Details
$50,000; 80% Financing MSRP or NADA Retail (20% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.99%
Up to 75 Months
▼
APR5.99%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 66 Months
5.99%
Up to 66 Months
▼
APR5.99%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
37-48 Mos.
▼
APR6.00%
Term37-48 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
49-60 Mos.
▼
APR6.00%
Term49-60 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
61-72 Mos.
▼
APR6.00%
Term61-72 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
73-84 Mos.
▼
APR6.00%
Term73-84 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
37-48 Mos.
▼
APR6.00%
Term37-48 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
49-60 Mos.
▼
APR6.00%
Term49-60 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
61-72 Mos.
▼
APR6.00%
Term61-72 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
73-84 Mos.
▼
APR6.00%
Term73-84 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Justice Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
1 Justice Park Dr, Houston, TX, 77092
Auto Loan
6.09%
72 months
▼
APR6.09%
Term72 months
Last UpdatedSep 16, 2026
Details
Loan Amount: $15,000+
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.10%
84m Rate
▼
APR6.10%
Interest Rate6.10%
Term84m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.20%
72m Rate
▼
APR6.20%
Interest Rate6.20%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
7000 Fannin St, Houston, TX, 77030
Auto Loan
6.24%
1 to 48 Months
▼
APR6.24%
Term1 to 48 Months
Last UpdatedSep 18, 2026
Details
Credit Tier: Good
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 100% Financing MSRP or NADA Retail
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
6.24%
Up to 84 Months
▼
APR6.24%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 75 Months
6.24%
Up to 75 Months
▼
APR6.24%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $15,000
University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.74%
7000 Fannin St, Houston, TX, 77030
Business Auto Loans
6.25%
12 to 48 Months
▼
APR6.25%
Term12 to 48 Months
Last UpdatedSep 18, 2026
Details
Excellent credit
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 49-60 Months
6.26%
60 Months
▼
APR6.26%
Term60 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: C
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 61-75 Months
6.26%
75 Months
▼
APR6.26%
Term75 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: B
Coastal Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
7002 Fauna St, Houston, TX, 77061 3918
Vehicle Loans - 76-84 Months
6.26%
84 Months
▼
APR6.26%
Term84 Months
Last UpdatedSep 21, 2026
Details
Credit Grade: A
Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1600 Memorial Dr, Houston, TX, 77007 7702
Vehicle Loan
6.29%
73 - 84 months
▼
APR6.29%
Term73 - 84 months
Last UpdatedSep 16, 2026
Details
Qualifying Model Years: (2023 or newer)
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:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Interest Rate3.24%
Term12-36 Months
Last UpdatedSep 22, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 22, 2026
Details
As low as; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 22, 2026
Details
As low as; *
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 36 Months
3.99%
Up to 36 Months
▼
APR3.99%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 13.00%. As Low As; Rates as low as 3.99% - 13.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
New Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 18.00%.
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.00%
Up to 36 Months
▼
APR4.00%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
As low as
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
New Autos
4.14%
Up to 84 Months
▼
APR4.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 22, 2026
Details
As low as; *
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 48 Months
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.25% - 13.49%. As Low As; Rates as low as 4.25% - 13.49%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.25%
Up to 48 Months
▼
APR4.25%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 22, 2026
Details
As low as; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
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 UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 16.49%.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 60 Months
4.49%
Up to 60 Months
▼
APR4.49%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 14.00%. As Low As; Rates as low as 4.49% - 14.00%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm Rate
▼
APR4.50%
Interest Rate4.50%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.50%
Up to 60 Months
▼
APR4.50%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As low as
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
4.64%
Up to 63 Months
▼
APR4.64%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.74%
Up to 60 Months
▼
APR4.74%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.74% - 16.74%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
United Community Credit Union Houston, Tx
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
771 Normandy St, Houston, TX, 77015 3467
Vehicles (New and Used) Loan
4.74%
48-84 Months
▼
APR4.74%
Term48-84 Months
Last UpdatedSep 22, 2026
Details
As Low As
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
4.74%
Up to 36 Months
▼
APR4.74%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 months
▼
APR4.75%
Interest Rate4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 72 Months
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.75% - 14.75%. As Low As; Rates as low as 4.75% - 14.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
4.75%
Up to 72 Months
▼
APR4.75%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 72 Months ($25,000.00 or more); As low as
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - Up to 36 Months
4.84%
Up to 36 Months
▼
APR4.84%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.59%
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m Rate
▼
APR4.90%
Interest Rate4.90%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
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 UpdatedSep 21, 2026
Details
As low as
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
4.99%
Up to 72 Months
▼
APR4.99%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 16.99%.
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
NEW Autos - Up to 84 Months
4.99%
Up to 84 Months
▼
APR4.99%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 15.49%. As Low As; Rates as low as 4.99% - 15.49%
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.00%
36mm Rate
▼
APR5.00%
Interest Rate5.00%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
New Auto Loans
5.00%
Up to 84 months
▼
APR5.00%
TermUp to 84 months
Last UpdatedSep 22, 2026
Details
Term: Up to 84 months ($30,000.00 or more); As low as
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 37 - 48 Months
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 49 - 60 Months
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
5.14%
Up to 75 Months
▼
APR5.14%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 60 Months
▼
APR5.15%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2021-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2022-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2020-2025; As Low As
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
New Cars Loan
5.23%
72 months
▼
APR5.23%
Term72 months
Last UpdatedSep 15, 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. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 61 - 75 Months
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 16.74%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 80% Financing MSRP or NADA Retail (20% down)
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 22, 2026
Details
100% Financing MSRP or NADA Retail
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.30%
60m Rate
▼
APR5.30%
Interest Rate5.30%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
800 Capitol St Ste 100, Houston, TX, 77002
New car (dealer) Loan
5.39%
60 months
▼
APR5.39%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.40%
48m Rate
▼
APR5.40%
Interest Rate5.40%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedSep 22, 2026
Details
As low as; *
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2026 New Vehicles & Newer Loan
5.49%
Up to 84 Months
▼
APR5.49%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 17.24%.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 36 Month
5.49%
Up to 36 Month
▼
APR5.49%
TermUp to 36 Month
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle Loan
5.50%
48 MONTH
▼
APR5.50%
Term48 MONTH
Last UpdatedSep 21, 2026
Details
As Low As
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.51%
36 Months
▼
APR5.51%
Term36 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
New Cars Loan
5.70%
84 months
▼
APR5.70%
Term84 months
Last UpdatedSep 15, 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. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.70%
72m Rate
▼
APR5.70%
Interest Rate5.70%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.04%
2000 Post Oak Blvd, Houston, TX, 77056
New and Pre-Owned Auto Loan
5.70%
48 to 84 Month
▼
APR5.70%
Term48 to 84 Month
Last UpdatedSep 21, 2026
Details
Discounts for recurring direct deposits of $500 or more.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 76 - 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 18.00%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 90% Financing MSRP or NADA Retail (10% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.74%
Up to 66 Months
▼
APR5.74%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 48 Months
5.74%
Up to 48 Months
▼
APR5.74%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 months
▼
APR5.75%
Interest Rate5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.79%
66 Months
▼
APR5.79%
Term66 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.80%
60m Rate
▼
APR5.80%
Interest Rate5.80%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2023-2025; As Low As
Union Fidelity Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1415 North Loop W Ste 110, Houston, TX, 77008
New Vehicle Loan
5.99%
60 MONTH
▼
APR5.99%
Term60 MONTH
Last UpdatedSep 21, 2026
Details
As Low As
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedSep 22, 2026
Details
$50,000; 80% Financing MSRP or NADA Retail (20% down)
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
5.99%
Up to 75 Months
▼
APR5.99%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 66 Months
5.99%
Up to 66 Months
▼
APR5.99%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
5305 Bingle Rd, Houston, TX, 77092 2102
Auto Loans (2024 and Newer)
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedSep 22, 2026
Details
As Low As; Apply Now
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
37-48 Mos.
▼
APR6.00%
Term37-48 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
49-60 Mos.
▼
APR6.00%
Term49-60 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
61-72 Mos.
▼
APR6.00%
Term61-72 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
New Autos & Motorcycles
6.00%
73-84 Mos.
▼
APR6.00%
Term73-84 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; Credit Grade: A
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
New car purchase Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
New car rate Loan
6.04%
60 months
▼
APR6.04%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $45,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.10%
84m Rate
▼
APR6.10%
Interest Rate6.10%
Term84m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
New Auto
6.14%
Up to 84 Months
▼
APR6.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.20%
72m Rate
▼
APR6.20%
Interest Rate6.20%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New Auto (Greater than
6.24%
72 Months
▼
APR6.24%
Term72 Months
Last UpdatedSep 22, 2026
Details
$25,000; 100% Financing MSRP or NADA Retail
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
New Auto Loan
6.24%
Up to 84 Months
▼
APR6.24%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 75 Months
6.24%
Up to 75 Months
▼
APR6.24%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $15,000
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:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
New and Pre-Owned Autos
3.24%
12-36 Months
▼
APR3.24%
Interest Rate3.24%
Term12-36 Months
Last UpdatedSep 22, 2026
Details
As low as
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
3.24%
12 - 36 months
▼
APR3.24%
Term12 - 36 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
0-36 months
▼
APR3.94%
Term0-36 months
Last UpdatedSep 22, 2026
Details
As low as; *
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
3.94%
37-48 months
▼
APR3.94%
Term37-48 months
Last UpdatedSep 22, 2026
Details
As low as; *
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
3.99%
60 Months
▼
APR3.99%
Term60 Months
Last UpdatedSep 22, 2026
Details
80% Financing MSRP or NADA Retail (20% down)
Houston Highway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.41%
8120 Washington Ave, Houston, TX, 77007
Used Vehicle Loan
3.99%
24 - 72+ Months
▼
APR3.99%
Term24 - 72+ Months
Last UpdatedSep 22, 2026
Details
Published APR range: 3.99% - 18.00%.
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
4.05%
Up to 36 Months
▼
APR4.05%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2019-2025; As Low As
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.14%
49-60 months
▼
APR4.14%
Term49-60 months
Last UpdatedSep 22, 2026
Details
As low as; *
Cy-Fair Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.18%
9601 Jones Rd, Houston, TX, 77065
New & Used Auto
4.25%
36 to 84 Months
▼
APR4.25%
Term36 to 84 Months
Last UpdatedSep 21, 2026
Details
As Low As
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
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 UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 36 Months
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.25% - 13.75%. As Low As; Rates as low as 4.25% - 13.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.25%
Up to 36 Months
▼
APR4.25%
TermUp to 36 Months
Last UpdatedSep 22, 2026
Details
As low as
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
4.29%
61-72 months
▼
APR4.29%
Term61-72 months
Last UpdatedSep 22, 2026
Details
As low as; *
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.35%
60 months
▼
APR4.35%
Interest Rate4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 60 months Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.35%
60 months
▼
APR4.35%
Term60 months
Last UpdatedSep 21, 2026
Details
As Low As
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.49%
Up to 48 Months
▼
APR4.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.49% - 16.99%.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.50%
37 - 48 Months
▼
APR4.50%
Term37 - 48 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.50%
36mm Rate
▼
APR4.50%
Interest Rate4.50%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 48 Months
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.50% - 14.00%. As Low As; Rates as low as 4.50% - 14.00%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.50%
Up to 48 Months
▼
APR4.50%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
As low as
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2023-2025 Used Vehicles Loan
4.74%
Up to 72 Months
▼
APR4.74%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.74% - 17.24%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedSep 22, 2026
Details
90% Financing MSRP or NADA Retail (10% down)
United Community Credit Union Houston, Tx
Institution Rating:
A+5.0 ★ Texas Ratio: 5.40%
771 Normandy St, Houston, TX, 77015 3467
Vehicles (New and Used) Loan
4.74%
48-84 Months
▼
APR4.74%
Term48-84 Months
Last UpdatedSep 22, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
4.75%
72 months
▼
APR4.75%
Interest Rate4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 72 months Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
4.75%
72 months
▼
APR4.75%
Term72 months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 60 Months
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.75% - 14.75%. As Low As; Rates as low as 4.75% - 14.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
4.75%
Up to 60 Months
▼
APR4.75%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
As low as
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.79%
36 months or less
▼
APR4.79%
Term36 months or less
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - Up to 36 Months
4.84%
Up to 36 Months
▼
APR4.84%
TermUp to 36 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.59%
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.84%
37 - 48 months
▼
APR4.84%
Term37 - 48 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.89%
49 - 60 months
▼
APR4.89%
Term49 - 60 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
4.90%
48m Rate
▼
APR4.90%
Interest Rate4.90%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
4.95%
49 - 60 Months
▼
APR4.95%
Term49 - 60 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
4.99%
Up to 63 Months
▼
APR4.99%
TermUp to 63 Months
Last UpdatedSep 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
4.99%
Up to 48 Months
▼
APR4.99%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 4.99% - 17.49%.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
4.99%
37 - 60 months
▼
APR4.99%
Term37 - 60 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
4.99%
61 - 72 months
▼
APR4.99%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.00%
36mm Rate
▼
APR5.00%
Interest Rate5.00%
Term36mm Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 72 Months
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.00% - 15.25%. As Low As; Rates as low as 5.00% - 15.25%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.00%
Up to 72 Months
▼
APR5.00%
TermUp to 72 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 72 Months ($25,000.00 or more); As low as
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 37 - 48 Months
5.09%
48 Months
▼
APR5.09%
Term48 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 49 - 60 Months
5.09%
60 Months
▼
APR5.09%
Term60 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 15.84%
Memorial Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
7789 Southwest fwy Ste 175, Houston, TX, 77074 1831
Pre-Owned Autos
5.14%
Up to 84 Months
▼
APR5.14%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
As Low As; (Based On credit score, loan term, and relationship discounts)
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 60 Months
▼
APR5.15%
TermUp to 60 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2021-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 72 Months
▼
APR5.15%
TermUp to 72 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2022-2025; As Low As
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.15%
Up to 48 Months
▼
APR5.15%
TermUp to 48 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2020-2025; As Low As
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.19%
73 - 78 months
▼
APR5.19%
Term73 - 78 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 61 - 75 Months
5.24%
75 Months
▼
APR5.24%
Term75 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 16.74%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2019 - 2022 Used Vehicles Loan
5.24%
Up to 60 Months
▼
APR5.24%
TermUp to 60 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.24% - 17.49%.
United Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
1111 Louisiana St Ste B 102, HOUSTON, TX, 77002 5230
New/Used Auto (up to 5 years old)
5.24%
60 Months
▼
APR5.24%
Term60 Months
Last UpdatedSep 22, 2026
Details
100% Financing MSRP or NADA Retail
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - Up to 84 Months
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.25% - 15.75%. As Low As; Rates as low as 5.25% - 15.75%
Southern Star Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.29%
16035 W Little York Rd, Houston, TX, 77084
Used Auto Loans
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedSep 22, 2026
Details
Term: Up to 84 Months ($30,000.00 or more); As low as
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.30%
60m Rate
▼
APR5.30%
Interest Rate5.30%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.40%
48m Rate
▼
APR5.40%
Interest Rate5.40%
Term48m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Texas Bay Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
12611 Fuqua St, Houston, TX, 77034
Auto Loans - Used & New
5.44%
73-84 months
▼
APR5.44%
Term73-84 months
Last UpdatedSep 22, 2026
Details
As low as; *
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
775 Gellhorn Dr, Houston, TX, 77029 1416
Used Auto
5.49%
Up to 75 Months
▼
APR5.49%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.49%
Up to 48 Months
▼
APR5.49%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.49% - 17.49%.
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
5.49%
61 - 72 months
▼
APR5.49%
Term61 - 72 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 36 Month
5.49%
Up to 36 Month
▼
APR5.49%
TermUp to 36 Month
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
800 Capitol St Ste 100, Houston, TX, 77002
Used car (dealer) Loan
5.59%
60 months
▼
APR5.59%
Term60 months
Last UpdatedSep 18, 2026
Details
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.70%
72m Rate
▼
APR5.70%
Interest Rate5.70%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.04%
2000 Post Oak Blvd, Houston, TX, 77056
New and Pre-Owned Auto Loan
5.70%
48 to 84 Month
▼
APR5.70%
Term48 to 84 Month
Last UpdatedSep 21, 2026
Details
Discounts for recurring direct deposits of $500 or more.
Amoco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
1800 Space Park Dr, Houston, TX, 77058
New And Used Autos - 76 - 84 Months
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedSep 16, 2026
Details
Maximum APR: 18.00%
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.83%
19626 Saums Rd, Houston, TX, 77084
2015 - 2018 Used Vehicles Loan
5.74%
Up to 54 Months
▼
APR5.74%
TermUp to 54 Months
Last UpdatedSep 22, 2026
Details
Published APR range: 5.74% - 17.49%.
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 48 Months
5.74%
Up to 48 Months
▼
APR5.74%
TermUp to 48 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
5.75%
61 - 72 Months
▼
APR5.75%
Term61 - 72 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles
5.75%
84 months
▼
APR5.75%
Interest Rate5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles - 84 months Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
9701 Manchester St, Houston, TX, 77012 2408
New & Used Vehicles Loan
5.75%
84 months
▼
APR5.75%
Term84 months
Last UpdatedSep 21, 2026
Details
As Low As
US Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
9700 Richmond Ave, Houston, TX, 77042
USED Autos - 6 - 10 Years Old
5.75%
10 Years
▼
APR5.75%
Term10 Years
Last UpdatedSep 22, 2026
Details
Published APR range: 5.75% - 16.75%. As Low As; Rates as low as 5.75% - 16.75%
Resource One Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.55%
9211 Jones Rd, Houston, TX, 77065
New and Used Auto Loan
5.79%
79 - 84 months
▼
APR5.79%
Term79 - 84 months
Last UpdatedSep 22, 2026
Details
As Low As; Rates as of September 22, 2026.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
5.80%
60m Rate
▼
APR5.80%
Interest Rate5.80%
Term60m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
100 Dominion Park Dr, Houston, TX, 77090 6716
New & Used Auto Loan
5.99%
Up to 84 Months
▼
APR5.99%
TermUp to 84 Months
Last UpdatedSep 16, 2026
Details
Model Years: 2023-2025; As Low As
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.32%
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 UpdatedSep 22, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 66 Months
5.99%
Up to 66 Months
▼
APR5.99%
TermUp to 66 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $2,000
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
37-48 Mos.
▼
APR6.00%
Term37-48 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
49-60 Mos.
▼
APR6.00%
Term49-60 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
61-72 Mos.
▼
APR6.00%
Term61-72 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
111 East Loop N, Houston, TX, 77029
Used Autos & Motorcycles
6.00%
73-84 Mos.
▼
APR6.00%
Term73-84 Mos.
Last UpdatedSep 21, 2026
Details
Beacon Score: 680+; APR*
SouthState Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.96%
750 Bering Dr, Houston, TX, 77057
Used Cars Loan
6.05%
72 months
▼
APR6.05%
Term72 months
Last UpdatedSep 15, 2026
Details
As Low As; Eligible model years 2023-2026. Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle.
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
Used car purchase Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.77%
712 Main St, Houston, TX, 77002
Used car rate Loan
6.09%
60 months
▼
APR6.09%
Term60 months
Last UpdatedSep 18, 2026
Details
APR based on 60 months and $30,000 financing. For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term.
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.10%
84m Rate
▼
APR6.10%
Interest Rate6.10%
Term84m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 730+ - A+; Max LTV: 100%
Met Tran Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.23%
1900 Main St, Houston, TX, 77002 8130
New Auto(Max Term 72m)/Used Auto(Max Term 60m)
6.20%
72m Rate
▼
APR6.20%
Interest Rate6.20%
Term72m Rate
Last UpdatedSep 21, 2026
Details
Credit Score: 680 - 729* - A; Max LTV: 100%
Members Choice Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
18211 Katy Fwy, Houston, TX, 77094 1395
Pre-Owned Autos
6.24%
73 - 84 months
▼
APR6.24%
Term73 - 84 months
Last UpdatedSep 22, 2026
Details
Rates as low as*
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.19%
2001 Rankin Rd, Houston, TX, 77073 5114
Used Auto Loan Purchase3 (Model Year 2020 and newer) - Up to 75 Months
6.24%
Up to 75 Months
▼
APR6.24%
TermUp to 75 Months
Last UpdatedSep 22, 2026
Details
Minimum Amount: $15,000
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
777 N Eldridge Pkwy Ste 150, Houston, TX, 77079 4416
Used Automobile Loan
6.25%
73 - 84 Months
▼
APR6.25%
Term73 - 84 Months
Last UpdatedSep 21, 2026
Details
As Low As; Fixed Rate
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MonitorBankRates
Houston, TX Auto Loan Rate Trends
Compare local Houston, TX auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
New Auto Loan TX Avg
5.785%
▼ 0.220 vs 7 days ago
Texas new auto rates fell 0.220 points over the past 7 days to 5.785% APR.
Used Auto Loan TX Avg
6.095%
▼ 0.249 vs 7 days ago
Texas used auto rates fell 0.249 points over the past 7 days to 6.095% APR.
As of Sep 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Houston, TX Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Texas figures.
Current New Auto Avg
5.79%
APR, as of Sep 23, 2026
6-Month Forecast
5.87%
Fed hold assumed
12-Month Forecast
5.94%
Range: 5.59% to 6.14%
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Texas APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.78% APR TX average | Used Auto @ 6.09% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.49/mo | $290.65/mo | $2.16/mo |
| $25,000 | $480.82/mo | $484.42/mo | $3.60/mo |
| $35,000 | $673.15/mo | $678.19/mo | $5.04/mo |
| $45,000 | $865.48/mo | $871.96/mo | $6.48/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Houston, Texas
1
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Houston, Texas locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
2
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Texas. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
3
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
4
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
Building a down payment, or is an auto loan not the right fit?
- Saving up for a bigger down payment: park it in a Houston, Texas high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Houston, Texas CD rates lock in a guaranteed return until you’re ready to buy
Houston, Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
$39,664
Median Individual Earnings
National avg: $47,340
6.9%
Unemployment Rate
National avg: 4.8%
19.9%
Poverty Rate
National avg: 11.1%
$577/mo
Payment on a $30K / 60-mo Loan
At TX new-auto avg 5.78% APR
A $577 monthly car payment works out to roughly 17.5% of the median individual income in Houston, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Houston, Texas, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Houston, Texas. We’ve prefilled the APR with today’s TX new-auto average, or click any current rate on the right to apply it instantly.
$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
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.
Should I get preapproved for an auto loan before visiting a dealer in Houston, Texas?
Yes. A preapproval from a bank or credit union serving Houston, Texas gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.
Why are used car loan rates higher than new car rates?
Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.
Can I refinance my auto loan if rates drop or my credit improves?
Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Houston, Texas can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.
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)
- Coastal Community Federal Credit Union: 3.01% (Vehicle Loans - 0-36 Months)
- Members Choice Credit Union: 3.24% (New and Pre-Owned Autos)
- Texas Bay Credit Union: 3.94% (Auto Loans - Used & New)
- 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: September 22, 2026
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