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Auto Loan Rates

Auto Loan Rates

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Loan Term New Vehicles APR* as low as Late Model Used Vehicles APR* as low as Used Vehicles APR* as low as
0 to 48 Months 1 5.59% 5.59% 5.64%
49 to 60 Months1 5.74% 5.74% 5.84%
61 to 72 Months2 5.74% 5.74% 5.84%
73 to 84 Months3 6.69% 6.69% 6.99%

Membership Required. Loans are subject to credit approval.

* Annual Percentage Rate (APR). Rates are current as of 01/27/2023 and reflect rates available on auto loans only. Rates and terms are subject to change without notice. Rates shown require a maximum loan-to-value of 100% for a 0.25% rate discount. Certified Pre-Owned (CPO) purchases may be eligible for an additional 0.25% rate discount on extended terms with proof of Manufacturer’s certification. New vehicles are not eligible for the CPO rate discount. Rates, terms and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors. Some restrictions may apply. Additional financing options available. Maximum vehicle mileage of 100,000. For loans with mileage over 100,000, add additional 0.50% to rate. For vehicles 2017 and older, add 1.00% rate increase. Refinance of an existing Texans auto loan includes a $50 fee. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Other restrictions may apply.

Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $582.44 over a 48-month loan at 5.59% APR.

1. Minimum loan amount of $5,000 required for 36-month term. Minimum loan amount $10,000 required for 48 - 60-month terms.

2. Minimum loan amount of $18,000 required.

3. Minimum loan amount of $30,000 required.

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