Auto Loans · Laredo, Texas
4 credit unions in Laredo report car loan rates to the NCUA. Rates range from 4.90% to 6.86%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.90%
Lowest New Car Rate
5.58%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | SOUTH TEXAS REGIONAL ★ 4.2 · 15 reviews | 4.90% | 5.50% |
| 2 | LAREDO FIRE DEPARTMENT ★ 5.0 · 1 reviews | 5.14% | 6.90% |
| 3 | LAREDO ★ 2.4 · 24 reviews | 5.40% | 6.25% |
| 4 | TEX MEX ★ 3.9 · 7 reviews | 6.86% | 8.07% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | SOUTH TEXAS REGIONAL ★ 4.2 · 15 reviews | 5.50% | 4.90% |
| 2 | LAREDO ★ 2.4 · 24 reviews | 6.25% | 5.40% |
| 3 | LAREDO FIRE DEPARTMENT ★ 5.0 · 1 reviews | 6.90% | 5.14% |
| 4 | TEX MEX ★ 3.9 · 7 reviews | 8.07% | 6.86% |
A pre-approval from a Laredo credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.
Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Laredo in the same window and take the best offer.
See member reviews, branch locations, and full rate details.