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
sdfcu
3.99 - 4.49 %
3 - 7 Yrs
fccu
3.99 - 17.44 %
3 - 7 Yrs
uhcu
3.99 - 6.09 %
3.1 - 7 Yrs
swacu
4.19 - 15.25 %
3 - 6 Yrs
firefightersfirstcu
4.24 - 5.49 %
2 - 7 Yrs
ngfcu
4.24 - 5.79 %
3 - 7 Yrs
houstonfcu
4.25 - 6.25 %
0.1 - 7 Yrs
penfed
4.34 - 6.24 %
3 - 7 Yrs
bcu
4.39 - 7.19 %
3.1 - 7 Yrs
chartway
4.4 - 5.84 %
0.1 - 7 Yrs

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

Credit Union Loan Rates - Trends & Analysis:

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. 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.

United Heritage's auto loan rates range from 3.99% to 6.09% APR today, with no change from 7 or 30 days ago. Recreational loan rates are higher, ranging from 6.19% to 10.79% , and have gone up since 7 days ago but down compared to 30 days ago. Southwest Airlines vehicle loans have rates ranging from 3.94% to 15.25% APR for auto loans, with no change in the past 7 or 30 days. Motorcycle loans range from 6.64% to 14.75% , which is up since 7 and 30 days ago. Recreational loans also increased slightly over the same periods, with rates between 6.64% and 14.75% .

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 or 30 days. Northrop Grumman's auto loan rates range from 4.24% to 5.79% APR today. These rates have stayed the same compared to 7, 30, and 60 days ago, with no change from 90 days ago either. Houston's auto loans with APRs ranging from 4.25% to 6.25% , showing no change from 7 or 30 days ago. Recreational vehicle loans have rates between 7.5% and 9.25% , which have also stayed the same over the past 7 and 30 days.

Pentagon's auto loan rates range from 3.39% to 6.24% APR today. Unchanged compared to 7, 30, 60, or 90 days ago. Baxter's auto loans with rates ranging from 2.64% to 7.19% APR today. These rates are down from both 7 and 30 days ago, and also lower compared to 60 and 90 days ago. Chartway's auto loan rates range from 4.4% to 5.84% APR and have not changed in the last 60 or 90 days. Recreational loan rates are between 4.84% and 6.7% APR, with no change in the past 7, 30, or 60 days.

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