Katy, Texas Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Katy, Texas auto loan rates range from 1.99% to 9.80% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Katy, Texas include Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX, 77449 6728A5.0 ★Texas Ratio: 7.07% offering New and Pre-Owned Autos at 3.49%, Navy Federal Credit UnionNavy Federal Credit Union24655 Katy Fwy, Katy, TX, 77494A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, First Service Credit UnionFirst Service Credit Union23665 Katy Freeway, Katy, TX, 77494A+5.0 ★Texas Ratio: 4.24% offering Auto Loan at 3.99%, Texas Bay Credit UnionTexas Bay Credit Union4747 FM 1463 Rd Ste 1000, Katy, TX, 77494A+5.0 ★Texas Ratio: 5.06% offering Used & New Auto Loan at 4.24%, Energy Capital Credit UnionEnergy Capital Credit Union3211 Peek Rd, Katy, TX, 77449A+5.0 ★Texas Ratio: 5.18% offering New Autos (Current model year) at 4.50%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Katy has 13 local institutions in our database, with auto loan rates as low as 3.49% APR from Members Choice Credit Union at 3770 Fry Rd, Katy, TX, 77449 6728. 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 Katy, Texas. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Katy, Texas & Surrounding Area
Katy Auto Loan Rates
As low as
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Monthly payment for 36 months is
As low as
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As Low As
As Low As; Rates subject to change.
As low as*; Rate: 4.39%
As Low As; Current model year
As Low As
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
Published APR range: 4.99% - 17.49%. Used vehicle loan; APR range
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
New vehicle loan; APR range: 4.99% - 16.99%
Rates shown include standard rate discounts.*
Rates shown include standard rate discounts.*
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.05%▲ from 4.83%
- Sep 18, 20264.83%first recorded
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; Vehicle Loan
- Oct 5, 20265.24%▲ from 4.94%
- Sep 21, 20264.94%▲ from 4.69%
- Sep 14, 20264.69%first recorded
Published APR range: 5.24% - 17.74%. Used vehicle loan; APR range
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
New vehicle loan; APR range: 5.24% - 17.24%
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.28%▲ from 4.98%
- Sep 14, 20264.98%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Published APR range: 5.49% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
New vehicle loan; APR range: 5.49% - 17.49%
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20265.49%▲ from 5.17%
- Sep 14, 20265.17%first recorded
As low as*; Rate: 5.54%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Published APR range: 5.74% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As low as
As low as
As Low As
As Low As; Rates subject to change.
Published APR range: 5.99% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
New vehicle loan; APR range: 5.99% - 17.74%
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Discounts for recurring direct deposits of $500 or more.
- Sep 26, 20266.10%▲ from 5.70%
- Sep 14, 20265.70%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
Published APR range: 6.24% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20266.25%▲ from 5.91%
- Sep 18, 20265.91%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As low as
2016 - 2026
As low as
2018 - 2026
As low as
2022 - 2026
Rates shown include standard rate discounts.*
- Sep 27, 20266.49%▲ from 6.24%
- Sep 18, 20266.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
As low as
2023 - 2026
Published APR range: 6.75% - 11.99%. Financing for vehicles manufactured for consumer use, but titled in your business name. Trucks up to 3/4 ton are included.
1New vehicle rates. Used vehicle rates are 1.00% higher.
- Oct 1, 20266.85%▲ from 6.50%
- Sep 18, 20266.50%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
As low as
As low as
As low as
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
As low as; Other Collateral: $25,000 minimum amount financed for 61-84 months. $30,000 minimum amount financed for over 84 months.
1 yr. old or newer vehicles. Pending credit approval
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Monthly Payments; APR Type: Fixed
Year: 2026 2025 2024
Grade: A+ (800+); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
Rates below are based on a minimum credit score of 700.
As Low As; Auto Loan Rates
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.22%▼ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Published APR range: 3.24% - 14.49%.
As Low As; Auto & Recreational Loans
As Low As; Select Your Rate table
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.47%▲ from 3.26%
- Sep 17, 20263.26%first recorded
Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Published rate range: 3.49% - 11.99%. Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As low as; *
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Fewer than 7,500 miles
As Low As; Fewer than 100,000 miles
As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; APR range
Term: Up to 36 months - 84 months; Published APR range: 3.79% - 15.54%.
- Oct 10, 20263.79%▲ from 3.43%
- Sep 14, 20263.43%first recorded
As Low As; Auto & Recreational Loans
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
Published APR range: 3.94% - 14.00%. 100% Financing**
Grade: A+ (800+); Credit score based on TransUnion TruVision
Grade: A (720-799); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
As Low As; Pre-Owned (Used) Automobile
Credit Grade: B Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%▲ from 3.01%
- Sep 14, 20263.01%first recorded
Credit Grade: A Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
Credit Grade: A+ Credit*; Effective Date: September 22, 2026; *APR = Annual Percentage Rate
- Sep 25, 20263.97%▼ from 4.06%
- Sep 17, 20264.06%first recorded
As Low As; New or used vehicle
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; Depending on Age; Rates effective as of 1/1/2026
As Low As; Depending on Age
As Low As; Available Discounts: GAP or MCP, VSC, Ultra; Minimum Finance amount for term (footnote 1)
Published APR range: 3.99% to 14.55%. Used vehicle loan; Most loan rates are based on credit score; Eligible for .25% discount for online application and .25% discount with active checking account for at least 90 days
Automobiles; Rate Range: 3.99% _ 5.94%; Rates expressed in APR
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
As Low As; USED Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
As Low As; Rate range: 3.99% - 13.00%
80% Financing MSRP or NADA Retail (20% down)
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
As Low As; *
As Low As
As Low As; Estimated Payment:
Published APR range: 3.99% - 11.24%.
Rates below are based on a minimum credit score of 700.
Final rates are determined based on credit score and other factors.
Published APR range: 4.00% - 14.00%.
Tier 1 750-up; Loan Type (2016-New)
Tier 1 750-up; Loan Type (2016-New)
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
APR includes discounts; may vary based on credit underwriting or services used
As low as
Rate Type: Fixed
As low as; Maximum Loan: 100%
As low as; Maximum Loan: 100%
- Oct 1, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
As low as; Maximum Loan: NADA RETAIL VALUE
Published rate range: 4.00% to 12.00%.
As low as
As Low As; Model Year: 2019-2025
Model Year: 2011 to 2015
As Low As; Auto & Recreational Loans
As Low As; *
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.
Rate Type: Fixed
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
Model Year: 2016 to 2019
Tier 2 700-749; Loan Type (2016-New)
Tier 2 700-749; Loan Type (2016-New)
As Low As; Rates effective July 1, 2026
As Low As; Vehicle Year: 2025 & Newer; A+ rate for automobiles
Katy New Auto Auto Loan Rates
As low as
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 18, 20263.24%first recorded
As Low As
As Low As; Rates subject to change.
As low as
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As Low As
As Low As; Rates subject to change.
As low as*; Rate: 4.39%
As Low As; Current model year
As Low As
As Low As; Rates subject to change.
New vehicle loan; APR range: 4.99% - 16.99%
Rates shown include standard rate discounts.*
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
New vehicle loan; APR range: 5.24% - 17.24%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
New vehicle loan; APR range: 5.49% - 17.49%
As low as*; Rate: 5.54%
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. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Rates shown include standard rate discounts.*
- Sep 27, 20265.74%▲ from 5.49%
- Sep 18, 20265.49%first recorded
As low as
As low as
As Low As
As Low As; Rates subject to change.
New vehicle loan; APR range: 5.99% - 17.74%
Discounts for recurring direct deposits of $500 or more.
- Sep 26, 20266.10%▲ from 5.70%
- Sep 14, 20265.70%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As low as
As low as
As low as
Rates shown include standard rate discounts.*
- Sep 27, 20266.49%▲ from 6.24%
- Sep 18, 20266.24%first recorded
As low as
As Low As
As Low As; Rates subject to change.
1 yr. old or newer vehicles. Pending credit approval
As Low As; Monthly Payments; APR Type: Fixed
As Low As; Monthly Payments; APR Type: Fixed
Grade: A+ (800+); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
Rates below are based on a minimum credit score of 700.
As Low As; Auto Loan Rates
Published APR range: 3.24% - 14.49%.
As Low As; Auto & Recreational Loans
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As low as; *
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Fewer than 7,500 miles
As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
As Low As; APR range
As Low As; Loan Term
- Oct 10, 20263.84%▲ from 3.64%
- Sep 18, 20263.64%▲ from 3.49%
- Sep 14, 20263.49%first recorded
Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
Published APR range: 3.94% - 14.00%. 100% Financing**
Grade: A+ (800+); Credit score based on TransUnion TruVision
Grade: A (720-799); Credit score based on TransUnion TruVision
As Low As; Fixed rate for the life of the loan; Rates published as APR
As Low As; New or used vehicle
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
As Low As; Depending on Age; Rates effective as of 1/1/2026
Automobiles; Rate Range: 3.99% _ 5.94%; Rates expressed in APR
As Low As; NEW Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.40%
- Sep 14, 20264.40%first recorded
Up to $250,000; As Low As; Qualifying rate - Conditions apply
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
Published APR range: 3.99% to 14.39%.
As Low As; Rate range: 3.99% - 13.00%
80% Financing MSRP or NADA Retail (20% down)
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% - 18.00%.
As Low As
As Low As; Estimated Payment:
Published APR range: 3.99% - 11.24%.
Rates below are based on a minimum credit score of 700.
Final rates are determined based on credit score and other factors.
Published APR range: 4.00% - 14.00%.
Tier 1 750-up; Loan Type (2016-New)
Tier 1 750-up; Loan Type (2016-New)
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
APR includes discounts; may vary based on credit underwriting or services used
As low as
Rate Type: Fixed
As low as; Maximum Loan: 100%
As low as; Maximum Loan: 100%
- Oct 1, 20264.00%▼ from 4.50%
- Sep 14, 20264.50%first recorded
Published rate range: 4.00% to 12.00%.
As low as
As Low As; Model Year: 2019-2025
As Low As; Auto & Recreational Loans
As Low As; *
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.
Rate Type: Fixed
Rates effective as of September 1, 2026; As low as rate subject to credit score, loan term, and relationship discounts; Loyalty rate deduction available
Tier 2 700-749; Loan Type (2016-New)
Tier 2 700-749; Loan Type (2016-New)
Katy Used Auto Auto Loan Rates
As low as
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20263.49%▲ from 3.24%
- Sep 14, 20263.24%first recorded
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As low as*; Rate: 4.24%
As low as*; Rate: 4.39%
As Low As
- Oct 13, 20264.50%▼ from 5.50%
- Oct 9, 20265.50%▲ from 4.50%
- Sep 14, 20264.50%first recorded
As Low As
As Low As; Rates subject to change.
Published APR range: 4.99% - 17.49%. Used vehicle loan; APR range
- Oct 9, 20264.99%▲ from 4.49%
- Sep 14, 20264.49%first recorded
Rates shown include standard rate discounts.*
As low as
Published APR range: 5.24% - 17.74%. Used vehicle loan; APR range
- Oct 9, 20265.24%▲ from 4.74%
- Sep 14, 20264.74%first recorded
As Low As
As Low As; Rates subject to change.
As Low As
As Low As; Rates subject to change.
Published APR range: 5.49% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.49%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As low as*; Rate: 5.54%
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
Published APR range: 5.74% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.74%▲ from 5.24%
- Sep 14, 20265.24%first recorded
Rates shown include standard rate discounts.*
- Sep 27, 20265.74%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Published APR range: 5.99% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20265.99%▲ from 5.49%
- Sep 14, 20265.49%first recorded
Includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Eligible model years 2023-2026. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
Discounts for recurring direct deposits of $500 or more.
- Sep 26, 20266.10%▲ from 5.70%
- Sep 14, 20265.70%first recorded
Published APR range: 6.24% - 17.99%. Used vehicle loan; APR range
- Oct 9, 20266.24%▲ from 5.74%
- Sep 14, 20265.74%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
2016 - 2026
2018 - 2026
2022 - 2026
Rates shown include standard rate discounts.*
- Sep 27, 20266.49%▲ from 6.24%
- Sep 14, 20266.24%first recorded
2023 - 2026
As Low As
As Low As; Rates subject to change.
As low as
Published rate range: 2.99% - 11.49%. Rates determined by the overall credit worthiness of each applicant
Published APR range: 3.24% - 14.49%.
Published APR range: 3.39% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
Published APR range: 3.47% to 18.00%. APR Type: Fixed; 72 months for $40,000 and above
- Sep 17, 20263.47%▲ from 3.20%
- Sep 14, 20263.20%first recorded
Published rate range: 3.49% - 11.99%. Rates determined by the overall credit worthiness of each applicant, as well as NADA book values for vehicle
Term: 36-months to 72-months; Published APR range: 3.61% to 15.96%. Rates based on credit history evaluation; New vehicles are loans on never-titled vehicles; Used vehicle rates apply to vehicles 10 years old or newer; 72-month term is for vehicle/recreational over $40,000
As low as; *
- Oct 4, 20263.74%▲ from 3.49%
- Sep 16, 20263.49%first recorded
As Low As; Fewer than 100,000 miles
As Low As; No payments for 90 days. A $30,000 loan with a 36-month term at 3.74% APR equals a $936.19 monthly. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. Must be 2024 model year or newer.
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As; APR range
As Low As; Auto & Recreational Loans
Published APR range: 3.89% - 12.95%. Effective Date: Monday, October 12th, 2026; APR range
As Low As; Pre-Owned (Used) Automobile
As Low As; New or used vehicle
As Low As; APR up to 18.00%; APR Type: Fixed; Certain conditions may apply
Published APR range: 3.99% to 14.55%. Used vehicle loan; Most loan rates are based on credit score; Eligible for .25% discount for online application and .25% discount with active checking account for at least 90 days
As Low As; USED Auto Loan Rates
- Oct 5, 20263.99%▼ from 4.99%
- Sep 14, 20264.99%first recorded
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
Published APR range: 3.99% to 16.19%. Rates below are for motorcycle, boat, RV and aircraft loans only
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
APR range: 3.99% to 14.69%
80% Financing MSRP or NADA Retail (20% down)
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% - 18.00%.
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% to 17.74%. Max Loan: 110% of price
Published APR range: 3.99% - 18.00%.
As Low As
Published APR range: 3.99% - 11.24%.
Published APR range: 4.00% - 14.00%.
Tier 1 750-up; Loan Type (2016-New)
Tier 1 750-up; Loan Type (2016-New)
As Low As; Model Year: All model years; Vehicles with less than 20k miles
As Low As
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
Score: 730+; Grade of Paper: A+; Effective October 1, 2026
APR includes discounts; may vary based on credit underwriting or services used
As low as
As low as; Maximum Loan: NADA RETAIL VALUE
As Low As; Model Year: 2019-2025
As Low As; *
As Low As; Rate discounts for having Direct Deposit, Automatic payment transfer, GAP coverage, Warranty or Credit Life/Disability Insurance.
Tier 2 700-749; Loan Type (2016-New)
Tier 2 700-749; Loan Type (2016-New)
Katy, TX Auto Loan Rate Trends
Compare local Katy, 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.
Texas new auto rates fell 0.046 points over the past 7 days to 5.193% APR.
Texas used auto rates fell 0.092 points over the past 7 days to 5.711% APR.
Katy, 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.
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 @ 5.19% APR TX average | Used Auto @ 5.71% APR TX average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.40/mo | $287.98/mo | $3.59/mo |
| $25,000 | $473.99/mo | $479.97/mo | $5.98/mo |
| $35,000 | $663.59/mo | $671.96/mo | $8.37/mo |
| $45,000 | $853.19/mo | $863.95/mo | $10.76/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 Katy, Texas
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Katy, 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.
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.
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.
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.
- Saving up for a bigger down payment: park it in a Katy, 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: Katy, Texas CD rates lock in a guaranteed return until you’re ready to buy
Katy, Texas Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $569 monthly car payment works out to roughly 12.3% of the median individual income in Katy, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Katy, 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 to 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 to 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 Katy, 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.
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 Katy, 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 Katy, 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 Katy, 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.
Bad Credit Auto Loans in Katy, Texas
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Katy, Texas
How does my credit score affect my car loan rate in Texas?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Katy, Texas?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Katy, Texas?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Katy, Texas?
- Members Choice Credit Union: 3.49% (New and Pre-Owned Autos)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- First Service Credit Union: 3.99% (Auto Loan)
- Texas Bay Credit Union: 4.24% (Used & New Auto Loan)
- Energy Capital Credit Union: 4.50% (New Autos (Current model year))
Katy, Texas Rates & Resources
