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Auto Loans

Looking for low auto loan rates in Texas?

We offer competitive auto loan rates in Texas , so you can finally get that new car or truck at the price that works best for your budget.

Exclusive Promotion

Unlock a 1% discount on your newly qualified rate with a Raiz Auto Loan Refinance!³

When you refinance your existing loan and switch to a Raiz Auto Loan by April 30th, 2024⁴, you'll unlock a 1% rate reduction on your newly qualified rate with Raiz.⁵ It's time to say goodbye to high-interest rates and hello to substantial savings with Raiz.

Promotion Details:

- Promotional Period: March 4th – April 30th
- 1% Rate Reduction: Exclusive for Refinance Auto Loans
- Additional .25% APR Discount⁶ : Sign up for Auto Payment and get even more savings!
- Existing Raiz Auto Loans Excluded: External refinance only


Feel confident knowing that you have made an investment in the right vehicle for you at a rate that's right for you.


Low Rates

If you're looking for a better deal on auto financing, we've got lower rates than other lenders.

Local Underwriting

We help you get the loan you need faster, by verifying your income, assets, and other financial details locally.

Terms up to 84 Months

Enjoy more flexible repayment terms to finance your new car at an affordable monthly payment.

No Payments for 90 Days1

You may skip the first three months of payments, so you can enjoy your vehicle and start saving money.

And more ...

As low as


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Low Rates

Raiz Low Auto Loan Rates in Texas Make Buying a Car Possible

We offer competitive rates for all our auto loans, so you can finally get that new car or truck at the price that works best for your budget.

Local Underwriting

Stop Waiting for Weeks to Get Approval

When you apply for an auto loan with us, we can verify your income and assets in order to make sure you can get your loan sooner.

Why Choose Raiz?

Our financial experts are some of the best, but really our motivation is you. Here is what we are doing today to reach a brighter tomorrow.


We work hard to make your money work for you. Reap the benefits of our innovative products and services that provide you with high dividend checking accounts, low interest on loans, and great rates on savings and retirement accounts.


Your money never sleeps, and neither do we. Raiz members have 24/7 access to digital banking and an online support chat available to help with all your banking needs.


We don’t just want to help you manage your money, we want you to thrive! Raiz provides free, award-winning online courses that cover an array of topics for every stage of your life.

Start your financial journey today.

Rising up our community is what drives us forward. We dedicate our time, funds, and resources to organizations and initiatives that are committed to making a difference.

How It Works

Follow these three steps to get an auto loan for your dream vehicle.

  • 1

    Apply Online

    Complete an application to start the approval process.

  • 2

    Get Approved

    We will review your application to see what you qualify for.

  • 3

    Purchase Your Vehicle

    Use the funds to purchase the car or truck you need.

Apply online now

Have a question?

We’re happy to help you every step of the way!

Chat with us

Start live chat

Chat live with a team member who can quickly help answer your question.

Call us


Give us a call directly; we’re here to help you every step of the way.

Meet with us

Schedule an appointment

Schedule a virtual or phone appointment convenient for you, and let us help you get to the next financial level.

Auto Loans

Now it is Possible to Find a Cost-Effective, Flexible Auto Loan

You can put an end to your search for a new car or truck today! Let our team of experts guide you through the auto loan application without the hassle.

  • 1

    ³Loan approval is subject to creditworthiness. This offer cannot be transferred. ⁴Program, rates, terms, and conditions are subject to change without notice. Must meet membership eligibility requirements. ⁵This offer excludes refinancing of existing Raiz loans and will expire on the date listed. ⁶Must be enrolled in a recurring automatic payment plan. Floor rate = 6.50% APR.


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