Auto Loans in Austin, TX 78748

Finding the lowest interest rates for auto loans in Austin, TX is easier than you think. Compare offers from trusted local lenders to find flexible terms that fit your budget and get behind the wheel sooner.

Whether you’re buying new, used, or refinancing, Austin’s credit unions and banks offer competitive rates and friendly service. Start comparing today to save money and enjoy a smooth, stress-free car loan experience.

New Used

Filters

Zip Code

Credit Score

Sort By

Sort Type

Lender

APR

Term

Link

Info

3.99 - 5.99 %

5.1 - 7 Yrs

∞

3.99 - 5.49 %

3 - 7 Yrs

∞

3.99 - 15.79 %

0.1 - 7 Yrs

∞

3.99 %

3 - 7 Yrs

∞

3.99 - 6.09 %

3.1 - 7 Yrs

∞

3.99 - 16.99 %

0.1 - 7 Yrs

∞

3.99 - 17.44 %

3 - 7 Yrs

∞

3.99 - 5.14 %

0.1 - 6 Yrs

∞

4.24 - 5.49 %

3 - 7 Yrs

∞

4.24 - 5.49 %

2 - 7 Yrs

∞

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-22

Credit Union Loan Rates - Trends & Analysis:

Consumers has auto loan rates ranging from 3.99% to 5.99% APR and recreational loan rates from 8.49% to 10.49% APR. These rates show no change from 7 or 30 days ago. Both loan types have steady rates over the past months. Gulf Coast Educators has auto loan rates ranging from 3.99% to 5.49% APR, with no change in the past 90 days. Motorcycle loans are at 7.49% APR, also showing no change over 60 days. Recreational loan rates range from 7.49% to 8.74% APR and have stayed the same in the last 60 days.

Delta Community's auto loans with APRs ranging from 3.99% to 16.09% , which is down from 7 and 30 days ago. Their other loan rates range from 3.99% to 17.59% and have also decreased compared to a week and a month ago. State Department's auto loan rates range from 3.99% to 4.49% APR today. The rates are down compared to 7 and 30 days ago, while showing no change from 60 and 90 days ago. United Heritage's auto loans with APRs ranging from 3.99% to 6.09% , which have stayed the same over the past 7 and 30 days. Recreational loan rates range from 6.19% to 10.79% , going up since 7 days ago but down compared to 30 days ago.

Smart Financial has vehicle loan rates ranging from 3.99% to 16.99% APR for auto loans and 6.74% to 16.99% APR for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates remain the same as well, with a range of 6.74% to 16.99% APR. First Community's auto loans range from 3.99% to 17.44% , with no change from 7, 60, or 90 days ago. Motorcycle loans range from 7.79% to 17.99% , also showing no change from 7 or 30 days ago. Recreational loans have a range of 5.99% to 17.74% , which is down from 60 and 90 days ago but steady compared to 7 and 30 days ago.

Neighborhood's auto loans with APRs ranging from 3.99% to 5.14% and recreational loans from 5.74% to 7.49% . These rates have shown no change compared to 7 and 30 days ago. Northrop Grumman's auto loan rates range from 4.24% to 5.79% APR today. Unchanged compared to 7 and 30 days ago, as well as 60 and 90 days ago. Firefighters First's auto loans with APRs ranging from 4.24% to 5.49% , and recreational vehicle loans with rates between 7.49% and 8.99% . Unchanged over the past 7, 30, or 60 days.

🏦 Local Lenders in Austin, TX

UNIVERSITY FEDERAL CREDIT UNION — 9925 BRODIE LN AUSTIN TX 78748
UNIVERSITY FEDERAL CREDIT UNION — 301 W SLAUGHTER LN AUSTIN TX 78748
AUSTIN TELCO FEDERAL CREDIT UNION — 9220 BRODIE LN AUSTIN TX 78748
A+ FEDERAL CREDIT UNION — 10701 S 1ST ST AUSTIN TX 78748
VELOCITY CREDIT UNION — 9300 S INTERSTATE 35 AUSTIN TX 78748
RANDOLPH-BROOKS FEDERAL CREDIT UNION — 315 W SLAUGHTER LN AUSTIN TX 78748

See the full lender directory — hours, services & financials →

🏘️ All the Lenders Available in Travis County, TX

Compare other loan types in Austin, TX

Why compare Vehicle Loans in Austin, TX on LendMesh

If you're searching for the lowest interest rates for auto loans in Austin, TX, take your time comparing offers across multiple lenders on LendMesh. Exploring different options helps you uncover better deals and find the cheapest rates tailored to your needs. With a little patience and smart comparison, you can drive away with a loan that fits your budget and financial goals.

To make your search even easier, consider subscribing to LendMesh’s personalized alerts. Simply set your target rate—whether it’s 4% or 5%—and get notified as soon as offers drop below that mark. You’ll also receive expert insights, rate trends, and curated loan deals weekly or monthly, helping Austin drivers stay informed and confident throughout the car-buying process.

Customers are also interested in:

Lowest Interest Rates For Auto Loans