Vehicle Loans in Lubbock, TX

If you’re shopping for a car loan in Lubbock, TX, knowing the average finance rates can help you make smarter choices. Compare offers from local lenders and credit unions to find the best deal tailored to your budget and needs.

Get ahead with low down payments and competitive rates right here in Lubbock. Whether it’s your first car or a refinance, exploring your options ensures you drive away with confidence and savings.

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Lender
APR
Term
Link
Info
texanscu
4.79 - 7.19 %
3.1 - 7 Yrs
r1cu
4.79 - 5.79 %
0.1 - 7 Yrs
advancial
4.83 - 5.91 %
3 - 5 Yrs
ecu
4.85 - 10.69 %
3 - 7 Yrs
togethercu
4.99 - 5.99 %
skyone
4.99 - 6.99 %
3 - 7 Yrs
university-credit-union
4.99 - 8.49 %
3 - 7 Yrs
firsttechfed
4.99 - 6.99 %
5.4 - 7 Yrs
dcu
4.99 - 10.74 %
3 - 10 Yrs
figfcu
4.99 - 7.49 %
3 - 8 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-12

Credit Union Loan Rates - Trends & Analysis:

Texans vehicle loan rates for autos range from 4.79% to 7.19% APR with no change over the past 7, 30, 60, or 90 days. Motorcycle loans have rates between 7.14% and 9.04% APR, also showing no change in the last 7 and 30 days. Recreational loans range from 7.99% to 10.49% APR and remain steady compared to 7 and 30 days but are up from 90 days ago. Resource One has auto loan rates ranging from 4.79% to 5.79% APR, with no change from 7 or 30 days ago. Recreational loan rates are between 6.59% and 7.44% APR, also showing no change over the same periods.

Advancial's auto loan rates range from 4.83% to 5.91% APR today, with no change from 7 or 30 days ago. Other loan rates are between 6.31% and 7.66% APR, also steady compared to 7 days ago but up from 90 days ago. Educators vehicle loans range from 4.8% to 10.69% today. The rates are unchanged from 7 and 30 days ago but are up slightly from 30 and 60 days ago. This applies to their Auto loans. Together's auto loans with APRs ranging from 4.64% to 5.99% , and motorcycle loans at 8.14% . Unchanged over the past 7, 30, 60, or 90 days.

Skyone's auto loans with APRs ranging from 4.99% to 6.99% , showing no change over the past 90 days. Motorcycle loans have rates between 7.74% and 8.49% , also with no change in the last 60 days. Recreational loans range from 7.99% to 9.99% , with rates up slightly compared to 7 and 30 days ago. University's auto loans with rates from 4.49% to 8.49% APR, which have stayed the same over the past 7 and 30 days. Motorcycle loan rates range from 10.74% to 12.49% APR and have gone down since 7 and 30 days ago.

First Technology's auto loans with APRs ranging from 4.99% to 6.99% , which are unchanged from 7 and 30 days ago but down from 30 days ago. Motorcycle loans have rates between 6.74% and 7.24% , showing no change over the past 90 days. Recreational loans range from 7.29% to 8.54% , also with no change in recent months. Digital has vehicle loan rates ranging from 4.99% to 10.74% for auto loans and 6.25% to 11.35% for motorcycle loans. These rates have shown no change compared to 7 and 30 days ago. Recreational loan rates also remain steady, ranging from 8.99% to 11.35% .

Farmers Insurance vehicle loans range from 4.99% to 7.49% for auto loans and 6.99% to 9.49% for recreational loans. Rates for both products show no change compared to 7 and 30 days ago. The auto loan range was slightly higher 90 days ago.

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