Current auto loan rates in Pasadena, Texas include IBEW Local 66 Federal Credit UnionIBEW Local 66 Federal Credit Union4345 ALLEN GENOA RD, PASADENA, TX, 77504A+5.0 ★Texas Ratio: 3.48% offering New Automobile Loan at 2.95%, Texas Bay Credit UnionTexas Bay Credit Union1301 W Pasadena Fwy, Pasadena, TX, 77506A+5.0 ★Texas Ratio: 5.55% offering Auto Loans - Used & New at 3.94%, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union5953 Fairmont Pkwy, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 2.47% offering Auto Loan at 4.24%, Chemcel Federal Credit UnionChemcel Federal Credit Union9502 Bayport Blvd, Pasadena, TX, 77507 1402A+5.0 ★Texas Ratio: 3.98% offering Auto Loan at 4.99%, SouthState BankSouthState Bank6025 Crenshaw Rd, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 2.96% offering New Cars Loan at 5.23%. Auto loan rates as of September 22, 2026 according to verified data from MonitorBankRates.
Pasadena has 9 local institutions in our database, with auto loan rates as low as 2.95% APR from IBEW Local 66 Federal Credit Union at 4345 ALLEN GENOA RD, PASADENA, TX, 77504. 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 Pasadena, Texas. Auto Loan Rates Last Updated and Verified: September 22, 2026
As Low As; *2.95%
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
Credit Score: A+ (800+)
As Low As:
Credit Score: A+ (800+)
As low as; *
As low as; *
3.95%
Credit Score: A+ (800+)
Credit Score: A (720-799)
As Low As:
Credit Score: A (720-799)
Credit Score: A+ (800+)
As low as; *
Loan Amount: 0.75%
As low as; *
Loan Amount: 0.75%
4.95%
Credit Score: A+ (800+)
Credit Score: A (720-799)
Credit Score: B (680-719)
As Low As:
Credit Score: A (720-799)
Credit Score: A+ (800+)
Credit Score: B (680-719)
Loan Amount: $15,000 and up; Maximum Loan Discount: 0.75%
As Low As; for NEW & USED VEHICLES
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.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as; *
Loan Amount: $25,000 and up; Maximum Loan Discount: 0.75%
As Low As; 36 months
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
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.
Discounts for recurring direct deposits of $500 or more.
5.95%
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A+ (800+)
Credit Score: A (720-799)
Credit Score: B (680-719)
Credit Score: A (720-799)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A+ (800+)
Credit Score: B (680-719)
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.
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.
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.
Published APR range: 6.75% - 11.99%.
Credit Grade: A+
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A (720-799)
Credit Score: B (680-719)
Credit Score: C (640 -679)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A (720-799)
Credit Score: B (680-719)
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: B (680-719)
Credit Score: C (640 -679)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: B (680-719)
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Credit Grade: B
Credit Score: C (640 -679)
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Credit Grade: B
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: C (640 -679)
Credit Score: D (600 - 639)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: C (640 -679)
Credit Score: D (600 - 639)
Credit Grade: A
Credit Grade: B
Credit Grade: C
Credit Score: D (600 - 639)
Credit Score: D (600 - 639)
Credit Grade: B
Credit Grade: C
Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Grade: C
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: D (600 - 639)
Credit Score: E (560-599)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Grade: C
Credit Score: E (560-599)
Credit Score: Sub < 559
Credit Score: E (560-599)
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: E (560-599)
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: E (560-599)
Credit Score: Sub < 559
Credit Score: Sub < 559
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: Sub < 559
Cars, trucks, RVs or tractors. Pending credit approval
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.
Model Year: 2026/2025/2024
Rates below are based on a minimum credit score of 700.
Credit Grade: A+
Published APR range: 3.24% - 14.49%.
As low as
Rates as low as*
As Low As; *2.95%
As Low As; 1.50% length of Membership Incentive Interest Rate Discount
Credit Score: A+ (800+)
As low as; *
As low as; *
3.95%
Credit Score: A+ (800+)
Credit Score: A (720-799)
As low as; *
As low as; *
4.95%
Credit Score: A+ (800+)
Credit Score: A (720-799)
Credit Score: B (680-719)
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.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
As low as; *
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.
Discounts for recurring direct deposits of $500 or more.
5.95%
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A+ (800+)
Credit Score: A (720-799)
Credit Score: B (680-719)
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.
Credit Grade: A+
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A (720-799)
Credit Score: B (680-719)
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: B (680-719)
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Credit Grade: B
Credit Score: C (640 -679)
Credit Grade: A
Credit Grade: A+
Credit Grade: B
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: C (640 -679)
Credit Score: D (600 - 639)
Credit Grade: A
Credit Grade: B
Credit Grade: C
Credit Score: D (600 - 639)
Credit Grade: B
Credit Grade: C
Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Grade: C
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Grade: C
Credit Score: E (560-599)
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: E (560-599)
Credit Score: Sub < 559
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: Sub < 559
Cars, trucks, RVs or tractors. Pending credit approval
Rates below are based on a minimum credit score of 700.
Published APR range: 3.24% - 14.49%.
As low as
Rates as low as*
As Low As:
Credit Score: A+ (800+)
As low as; *
As low as; *
As Low As:
Credit Score: A (720-799)
Credit Score: A+ (800+)
As low as; *
As low as; *
As Low As:
Credit Score: A (720-799)
Credit Score: A+ (800+)
Credit Score: B (680-719)
As low as; *
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
Discounts for recurring direct deposits of $500 or more.
Credit Score: A (720-799)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A+ (800+)
Credit Score: B (680-719)
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.
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.
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: A (720-799)
Credit Score: B (680-719)
Credit Score: C (640 -679)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: B (680-719)
Credit Score: C (640 -679)
Credit Score: C (640 -679)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: C (640 -679)
Credit Score: D (600 - 639)
Credit Score: D (600 - 639)
Credit Score: D (600 - 639)
Credit Score: E (560-599)
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: D (600 - 639)
Credit Score: E (560-599)
Credit Score: E (560-599)
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: E (560-599)
Credit Score: Sub < 559
Credit Score: Sub < 559
Term: 73-84 Months (NEW AUTOS ONLY); Credit Score: Sub < 559
Published APR range: 3.24% - 14.49%.
As low as
Compare local Pasadena, 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 0.220 points over the past 7 days to 5.785% APR.
Texas used auto rates fell 0.249 points over the past 7 days to 6.095% APR.
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.
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.
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.
A preapproval from a bank or credit union serving Pasadena, 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.
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.
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.
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.
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $577 monthly car payment works out to roughly 18.9% of the median individual income in Pasadena, Texas. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
An auto loan isn’t the only way to finance a vehicle in Pasadena, 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.
Estimate your monthly payment on a new or used vehicle in Pasadena, 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.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Pasadena, 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 Pasadena, 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 Pasadena, 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.