Auto Loans · Pampa, Texas
3 credit unions in Pampa report car loan rates to the NCUA. Rates range from 4.00% to 7.93%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
4.00%
Lowest New Car Rate
6.01%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PAMPA TEACHERS ★ 3.6 · 13 reviews | 4.00% | 4.00% |
| 2 | CABOT COMMUNITY ★ 3.7 · 9 reviews | 6.09% | 7.20% |
| 3 | PAMPA MUNICIPAL ★ 5.0 · 3 reviews | 7.93% | 7.93% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PAMPA TEACHERS ★ 3.6 · 13 reviews | 4.00% | 4.00% |
| 2 | CABOT COMMUNITY ★ 3.7 · 9 reviews | 7.20% | 6.09% |
| 3 | PAMPA MUNICIPAL ★ 5.0 · 3 reviews | 7.93% | 7.93% |
A pre-approval from a Pampa 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 Pampa in the same window and take the best offer.
See member reviews, branch locations, and full rate details.