Vehicle Loans in El Paso, TX

Shopping for an auto loan in El Paso? Discover how comparing local rates can help you find the best deal and drive away with confidence. Whether it’s your first car or an upgrade, knowing the average interest rates here puts you in control of your budget.

El Paso lenders offer competitive rates with quick approvals and friendly service tailored to our community. Take a moment to compare offers from trusted credit unions and banks—saving money on your next vehicle is easier than you think.

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Lender
APR
Term
Link
Info
unitedfcu
2.99 - 5.3 %
7 Yrs
shellfcu
3.49 - 18 %
0.1 - 7 Yrs
nechesfcu
3.75 - 5 %
aacreditunion
3.84 - 4.59 %
5 Yrs
navyfederal
3.89 - 9.9 %
1 - 15 Yrs
abileneteachersfcu
3.9 - 18 %
0.1 - 7 Yrs
texasbaycu
3.94 - 5.44 %
3.1 - 7 Yrs
deltacommunitycu
3.99 - 16.09 %
0.1 - 7 Yrs
gcefcu
3.99 - 5.49 %
3 - 7 Yrs
smartcu
3.99 - 16.99 %
0.1 - 7 Yrs

Today’s Vehicle Loan Rates & Analysis - Updated on 2026-SEP-14

Credit Union Loan Rates - Trends & Analysis:

United has auto loan rates ranging from 2.99% to 4.95% APR, with no change from 7 days ago and a slight decrease from 90 days ago. Motorcycle loans range from 4.7% to 5.95% APR and have stayed the same compared to 7 days ago but are down from 30 and 60 days ago. Recreational loan rates are between 6.25% and 6.75% APR with no changes in the past 60 days. Shell's auto loan rates range from 3.49% to 18% APR today. These rates show no change compared to 7 and 30 days ago, as well as 60 and 90 days ago.

Neches has auto loan rates ranging from 3.75% to 5% APR, with no change from 7 or 30 days ago but down from 60 and 90 days ago. Motorcycle loans are between 3.75% and 4.75% APR, showing no change over the past 7 and 30 days. Recreational vehicle loans range from 3.75% to 6.75% APR and have stayed the same compared to a month ago. American Airlines has auto loan rates ranging from 3.34% to 4.59% APR with no change from 7 or 30 days ago. Recreational loan rates are between 5.59% and 6.34% APR and have also stayed the same over the past 7 and 30 days.

Navy Federal Credit Union has auto loan rates ranging from 3.89% to 9.9% APR, with no change from 7 or 30 days ago. Motorcycle loans are between 7.45% and 10.05% APR and have stayed the same over the past month. Recreational loan rates are 6.95% to 9.9% APR, which is down from 7 days ago but unchanged from 30 days ago. Abilene Teachers vehicle loans range from 3.95% to 18% today. Rates are unchanged from 7 and 30 days ago but slightly up from 90 days ago. This applies to their auto loans.

Texas Bay has auto loans with rates from 3.94% to 5.44% APR, which are unchanged from 7 and 30 days ago and down from 30 and 90 days ago. Motorcycle loans range from 6.99% to 9.49% APR, staying the same as 7 days ago but up from 30 and 90 days ago. Recreational loan rates are between 8.26% and 9.99% APR with no change from 7 days ago. 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.

Gulf Coast Educators's auto loans with APRs ranging from 3.99% to 5.49% , which have not changed in the past 7, 30, or 60 days. Recreational loans have rates between 7.49% and 8.74% , also showing no change over the same periods. Smart Financial's auto loans range from 3.99% to 16.99% , with no change in rates over the past 7 and 30 days. Motorcycle loans and recreational loans both start at 6.74% APR and also show no change compared to 7 and 30 days ago.

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