1
Editor's pick
Reviewed 2d ago
- APR
- 6.94–14.94%
- Min. credit score
- 660+
- Loan amount
- $5K–$100K
- Loan length
- 24–84 mo
Auto loans · TX
#14 Highest APR · 50 States + D.C.
Texas auto loans: 7.5% APR
Texas is the 14th highest-APR state across 50 states + D.C. for new-car loans (60-mo, 720+ FICO, Q4 2025). Live APRs from nationally-licensed lenders, plus the TX sales-tax and registration math most dealers won't show you.
What's different about auto loans here · Texas
Texas charges sales tax on the FULL price, no trade-in credit toward tax.
6.25%
Texas sales tax
Texas charges sales tax on the FULL price, no trade-in credit toward tax.
7.5%
Texas avg APR
↑ 0.2 pts above national avg (7.3%)
60-mo new-car loan, 720+ FICO. Experian Q4 2025.
$37,188
$35k car · all-in
Total cost after Texas sales tax on a $35,000 vehicle (before fees / financing).
TX Refinance Window
Texas APRs run hotter than the national average.
The state's 7.5% average sits 0.2 points above the 7.3% national benchmark. On a $25,000 balance, even a 1.5-point APR drop saves roughly $1,100 over the remaining loan life. If you bought your car 12+ months ago, your APR locked in a higher-rate window — check today's refinance offers.
TX buying & financing rules
Tax + fee math for Texas buyers
National lenders quote you the same APR off your FICO + LTV no matter what state you live in — but state-level sales tax, trade-in credit rules, and doc-fee caps shift your out-the-door price by hundreds (sometimes thousands) of dollars. Here's what changes when you buy in Texas.
Trade-in tax credit
Full trade-in credit
Doc-fee cap
uncapped (market)
State sales tax
6.25%
Trade-in rule detail
Texas applies a 6.25% Motor Vehicle Sales Tax on the price minus trade-in value (standard presumptive value floor applies if private-party).
TX consumer-finance APR ceiling
Texas caps general consumer credit at 24% APR (or higher tiers for licensed Title-Loan lenders).
- 6.25% Motor Vehicle Sales Tax (separate from general 6.25% state sales tax)
- Trade-in fully credited against the basis
- Doc fees uncapped (Texas dealers among highest avg, $399–$599)
- Standard presumptive value floor applies on private-party sales
Sales-tax and doc-fee rules are subject to legislative change — confirm specifics with your dealer at signing and with the TX regulator listed below.
Advertiser disclosure: Offers below are from partners that compensate us when you click or apply. Compensation does not determine our rankings. How we make money.
Rates as of Jun 30, 2026
Auto loan lenders in Texas.
National lenders, soft pull, no spam. Click a row to expand our editorial review.
Comparing 5 audited options· Rates verified Jun 30
Data last reviewed . Source: CarSavr editorial methodology.
Editor's pick · 2-min compare
LightStream
Starting APR 6.94–14.94%
5 lenders shown, sorted by default editor's pick order.
Compare 4+ lenders in one form
Pre-qualify with multiple lenders — soft pull only
4 offers · 2 minutes · won't ding your credit
| Lender | Loan amount | Loan length | ||||
|---|---|---|---|---|---|---|
1 | 6.94–14.94% Total int. ~$4,659 · $25k · 60mo | 660+ | $5K–$100K | 24–84 mo | Reviewed 2d ago | |
2  Best marketplace | 5.69–17.99% Total int. ~$3,783 · $25k · 60mo | 580+ | $5K–$100K | 24–84 mo | Reviewed 2d ago | ≈2 min · Soft pullAffiliate offer |
3  Best credit union | 5.24–17.99% Total int. ~$3,472 · $25k · 60mo | 610+ | $500–$150K | 36–84 mo | Reviewed 2d ago | |
 Fastest marketplace · 4 offers in minutes | 5.99–22.99% Total int. ~$3,992 · $25k · 60mo | 575+ | $8K–$100K | 24–84 mo | Reviewed 2d ago | ≈2 min · Soft pullAffiliate offer |
 Best soft-pull pre-qual | 6.99–22.90% Total int. ~$4,695 · $25k · 60mo | 540+ | $4K–$75K | 36–75 mo | Reviewed 2d ago |
2
Reviewed 2d ago
- APR
- 5.69–17.99%
- Min. credit score
- 580+
- Loan amount
- $5K–$100K
- Loan length
- 24–84 mo
≈2 min · Soft pullAffiliate offer
3
Reviewed 2d ago
- APR
- 5.24–17.99%
- Min. credit score
- 610+
- Loan amount
- $500–$150K
- Loan length
- 36–84 mo
Reviewed 2d ago
- APR
- 5.99–22.99%
- Min. credit score
- 575+
- Loan amount
- $8K–$100K
- Loan length
- 24–84 mo
≈2 min · Soft pullAffiliate offer
Reviewed 2d ago
- APR
- 6.99–22.90%
- Min. credit score
- 540+
- Loan amount
- $4K–$75K
- Loan length
- 36–75 mo
APR ranges are sourced from each lender's public site and are updated regularly. Your actual rate depends on credit history, loan amount, vehicle, and state. CarSavr may earn a commission when you apply through our links — it never affects how we rank lenders.
Provider logos and trademarks belong to their respective owners and are used for identification purposes only. Providers shown for comparison and educational purposes — display does not imply partnership unless an active affiliate relationship is stated separately.
How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →
Texas vs. neighboring states
National lenders quote off FICO + LTV, not state — but local credit-union density and dealer mix can shift the effective best APR. Here's how Texas's 4 closest neighbors compare.
Other TX car-savings surfaces
Why auto-loan math looks different in Texas
National lenders price your auto loan APR off FICO + LTV — the same number a borrower in Texas qualifies for as a borrower in any other state. Where Texas actually changes your math is everywhere around the APR: the 6.25% sales-tax line on the buyer's order, TX doc-fee practice, and whether your trade-in offsets the taxable basis. Those three line items routinely add or subtract $1,200-$2,400 from the out-the-door price on a $35,000 vehicle — easily eclipsing a quarter-point APR difference between lenders.
Texas sits at 7.5% average APR (14th highest-APR across 50 states + D.C.) on a 60-month new-car loan for a 720+ FICO borrower. That national-average gap of 0.2 points above the 7.3% benchmark is mostly a function of two state-level structural forces: local credit-union density (which holds the floor down) and dealer-finance market share (which pushes the F&I-office ceiling up). Both shift the APR a TX buyer actually sees, even though the published rate sheets are national.
Four buyer mistakes Texas drivers make routinely:
- Letting the dealer F&I office quote first. Walk in with a pre-approval from your bank or credit union — the dealer rate must then beat it on paper to win the deal.
- Stretching to 84 months for a lower monthly. You'll spend an extra ~$2,800 in interest on a $30k loan vs. 60 months at the same APR — and Texas drivers stay underwater on the loan an average of 14 months longer.
- Skipping the TX dealer doc-fee line. Doc fees vary by hundreds of dollars across Texas dealerships. TX caps doc fees at uncapped (market) — anything above is negotiable.
- Accepting the F&I add-on stack. Extended warranty, GAP, paint/fabric, and tire-and-wheel can pile $3k+ onto the financed amount. Each is shoppable separately; most are 30-50% cheaper outside the dealership.
The bottom line for Texas buyers: an extra hour of rate shopping before you walk into the dealership routinely saves $1,500–$2,500 over the loan life, even when the published APR spread between lenders looks small. Pre-qualify with 2–3 lenders, run a sales-tax calculation against the 6.25% TX rate, and walk in knowing your out-the-door ceiling before the F&I office gets the first word.
Frequently asked questions
Texas auto loan FAQ
Texas finance regulator
Texas Department of Banking
Auto-finance lenders and motor-vehicle dealers operating in Texas are licensed under the Texas Department of Banking. CarSavr cross-references each lender's published APR ranges against state DOI filings + the National Automobile Dealers Association (NADA) state-tax matrix.
Need to file a complaint, look up a lender's license, or verify a doc-fee dispute? CSBS: state regulator directory →
Neighboring states
Compare auto loan rates in nearby states.
Bordering states often share carrier mix and pricing patterns — useful if you're moving, work across state lines, or want to anchor your own state's number against a peer benchmark.
Popular cities in Texas
Get the city-specific auto loan breakdown.
Premiums and APRs vary 20-40% across ZIP codes within the same state. The city pages surface hyperlocal carrier mix, risk factors, and savings tactics.