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: 1.92% offering New Vehicles, New Automobile (NA) A+ (800 at 2.95%, Texas Bay Credit UnionTexas Bay Credit Union1301 W Pasadena Fwy, Pasadena, TX, 77506A5.0 ★Texas Ratio: 7.72% offering Used & New Auto Loans at 3.94%, Chemcel Federal Credit UnionChemcel Federal Credit Union9502 Bayport Blvd, Pasadena, TX, 77507 1402A+5.0 ★Texas Ratio: 5.61% offering AUTO LOANS at 4.99%, SouthState BankSouthState Bank6025 Crenshaw Rd, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 3.02% offering Car Loans at 5.23%, Independent Bank Mckinney, TXIndependent Bank Mckinney, TX6025 Crenshaw Rd, Pasadena, TX, 77505A+5.0 ★Texas Ratio: 2.30% offering Car Loans at 5.23%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Pasadena has 6 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 — 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: July 16, 2026
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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. Minimum loan amount $4,000; maximum loan amount $150,000. Based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
As Low As; includes a one-time $150 loan origination fee and 0.65% interest rate discount for automatic payment draft from a SouthState checking account. Minimum loan amount $4,000; maximum loan amount $150,000. 5.23% APR is based on an example loan amount of $42,500 for a term of 72 months with monthly payments of $686.61. Additional fees may apply. Other restrictions may apply. Your actual APR may vary based on creditworthiness, loan amount, loan term and vehicle. Rates, terms and conditions are subject to change based on borrower eligibility and market conditions. All loans are subject to credit approval.
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As low as; Rate assumes discount of up to 1.00%. Vehicle discounts include the purchase of vehicle protection products, setting up direct deposit, automatic payments, and a down payment. Credit subject to approval. Must be a member in good standing. Loan terms available up to 84 months. Rates of 2.50% to 14.90% APR available depending on term.
Rates below are based on a minimum credit score of 700.
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
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APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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APR Type: Fixed
Fewer than 7,500 miles
Fewer than 100,000 miles
Fixed-Rate up to 36 months as low as 3.89% APR
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Fixed-Rate up to 36 months as low as 3.89% APR
Model Year(s): 2026
As Low As; New or used vehicle up to 36 months.
As Low As; New Auto Loans
As low as; Finance a new or used vehicle or refinance from another lender.
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Fixed Rate
Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
As Low As; Rates range from 3.99% to 13.00%
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Rates below are based on a minimum credit score of 700.
As Low As; Maximum Loan: 100%
As Low As; Maximum Loan: NADA RETAIL VALUE
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As Low As; Model Years: 2019-2025
As Low As; Model Years: 2019-2025
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As Low As; Up to 120% Financing on Approved Credit
Equifax Score: 750+; Loan to Value Max.(MSRP/NADA Retail): 115%; Debt Ratio Maximum: 48%
As Low As; Fixed Rate
As Low As; Rates range from 4.25% to 13.49%
As Low As; Rates range from 4.25% to 13.75%
Vehicle Age: Up to 2026
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APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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Rates as low as 4.35%.
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
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New and Used Models 2020 and Newer;*
As Low As; Promotional rate tiered by credit grade. Credit Grade A+: 720 and above. Discount of 0.50% may apply for Direct Deposit and Automatic Loan Payments. Discount of 0.25% may apply if borrower utilizes two additional Border FCU services.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
As Low As; Rates range from 4.49% to 14.00%
As Low As; Up to 125% of MSRP with approved credit.
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All rates presented are APR (Annual Percentage Rate). Fixed rates.
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Rates below are based on a minimum credit score of 700.
As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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APR Type: Fixed
Fewer than 7,500 miles
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
Model Year(s): 2026
As Low As; New or used vehicle up to 36 months.
As Low As; New Auto Loans
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Rate: 5.94% for Up to 84 Months; Rate: 5.49% for Up to 72 Months; Rate: 4.99% for Up to 60 Months; Rate: 4.69% for Up to 48 months; Rate: 3.99% for Up to 36 Months
As Low As; Rates range from 3.99% to 13.00%
Rates below are based on a minimum credit score of 700.
As Low As; Maximum Loan: 100%
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As Low As; Model Years: 2019-2025
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As Low As; Up to 120% Financing on Approved Credit
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APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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Rates as low as 4.35%.
Rates effective 9/1/2025. All rates presented are APR (Annual Percentage Rate). Fixed rates. Rates shown are based on excellent credit history, underwriting criteria, and account qualification. Rates subject to change. New Vehicles: 2025-2026 model years.
As Low As; New Auto Loans
As Low As; Promotional rate tiered by credit grade. Credit Grade A+: 720 and above. Discount of 0.50% may apply for Direct Deposit and Automatic Loan Payments. Discount of 0.25% may apply if borrower utilizes two additional Border FCU services.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
As Low As; Rates range from 4.49% to 14.00%
As Low As; Up to 125% of MSRP with approved credit.
All rates presented are APR (Annual Percentage Rate). Fixed rates.
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As low as 3.24% APR*, plus free GAP! APR=Annual Percentage Rate. Terms and conditions apply. Click for full details.
Rates are variable and subject to change. See loan officer for details.
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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APR Type: Fixed
Fewer than 100,000 miles
APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
As Low As; New or used vehicle up to 36 months.
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As Low As; Maximum Loan: NADA RETAIL VALUE
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As Low As; Model Years: 2019-2025
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As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rate
As Low As; Rates range from 4.25% to 13.75%
As low as; Rate includes both discounts
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APR = Annual Percentage Rate. All Rates & Terms are subject to change without notice.
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As Low As; Auto Loans Used
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
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 rose 0.484 points over the past 7 days to 6.109% APR.
Texas used auto rates rose 0.207 points over the past 7 days to 5.879% APR.
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.