Texas Auto Loan Rate Trends
Track current and weekly average auto loan rates in Texas, view interactive rate trend charts, and compare local TX aprs against the national average.
Current Texas Auto Loan Rate Trends
Auto Loan rates in Texas rose 0.258 this week, pushing the New Auto Loan average to 5.713%, up from 5.455% last week.
At 5.713%, Texas’s average sits 0.011 above the current national average of 5.702%. This above-average spread may reflect local market conditions or regional lender competition in TX.
The Texas auto loan rate averages on this page are calculated from 1,112 verified auto loan rate quotes collected across 204 banks and credit unions actively operating in Texas. Our proprietary systems collect and verify rates daily — tracking what real licensed institutions are actually quoting to borrowers, not rate sheet estimates.
Texas Auto Loan Rate Trends Chart
Daily average rates since March 15, 2026. State data shown where available; national average used as fallback. Hover to see exact rates.
Texas auto loan rate averages compiled from 1,112 current rate quotes across 204 banks and credit unions operating in TX — updated daily.
As of May 15, 2026 • Data provided by MonitorBankRates.com
Historical Auto Loan Rate Trends in Texas
Quarterly average rates at credit unions headquartered in Texas, 1994–present. Different methodology from the daily chart above — this series reflects portfolio rates self-reported to NCUA each quarter.
Based on reporting credit unions in Texas (latest quarter).
Source: MonitorBankRates.com analysis of NCUA Call Report data, 1994–present.
Quarterly weighted averages calculated from credit union rate filings, weighted by loan portfolio balance.
