1Editor's pick
LightStream
Reviewed 3d ago
Auto loans · San Antonio, TX
Auto loans in San Antonio.
San Antonio sits inside Texas's 7.5% avg APR market (0.2 pts above the 7.3% national average). RBFCU (Randolph-Brooks) dominates the San Antonio auto market and frequently posts the lowest APRs in Texas.
7.5%
Texas avg APR
↑ 0.2 pts above national avg (7.3%)
60-mo new-car loan, 720+ FICO. Experian Q4 2025.
6.25%
Texas sales tax
Texas charges sales tax on the FULL price, no trade-in credit toward tax.
Why San Antonio differs
RBFCU (Randolph-Brooks) dominates the San Antonio auto market and frequently posts the lowest APRs in Texas.
Best auto lenders for San Antonio
Any lender licensed in Texas can originate auto loans for San Antonio residents — ranked by published APR for prime borrowers.
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 Aug 3, 2026
Today's rates
Comparing 3 audited lenders· Rates verified Aug 3
Data last reviewed . Source: CarSavr editorial methodology.
Editor's pick · 2-min compare
LightStream
Starting APR 6.94–14.94%
3 lenders shown, sorted by default editor's pick order.
| Carrier | Best for | Why we picked it | ||
|---|---|---|---|---|
1 LightStream | Best for excellent credit | Lowest published APRs in the market for borrowers with 700+ FICO. Same-day funding and zero fees, but no co-signer option and a strict credit floor. | Reviewed 3d ago | |
2 PenFed Credit Union | Best credit union | Credit union APR caps make PenFed one of the cheapest options at every credit band. Membership requires a $5 join fee — open to anyone, not just military. | Reviewed 3d ago | |
3 Capital One Auto Navigator | Best soft-pull pre-qual | Best soft-pull pre-qualification tool — see real APRs and the exact cars you qualify for at participating dealers. APRs run higher than direct lenders. | Reviewed 3d ago |
2
PenFed Credit Union
Reviewed 3d ago
3
Capital One Auto Navigator
Reviewed 3d ago
Premium data: 2024 national-average annual premiums published by Quadrant Information Services from state-DOI rate filings. Sample driver: 35-year-old · clean driving record · $100/$300/$100 full coverage · $1,000 deductible · median ZIP code. Your actual quote will vary based on age, ZIP, driving record, vehicle, credit, and coverage selections. CarSavr may earn a commission when you buy a policy through our links — it never affects how we rank carriers.
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How rows are ranked: Editor's pick first, then by overall rating. Promoted placements are flagged with a Sponsored badge. Read the full methodology →