Auto Loans · Paris, Texas
3 credit unions in Paris report car loan rates to the NCUA. Rates range from 2.90% to 5.25%.
Updated Q1 2026 · NCUA Call Report data
3
CUs Reporting Rates
2.90%
Lowest New Car Rate
4.22%
City Average Rate
3 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PARIS DISTRICT ★ 5.0 · 86 reviews | 2.90% | 11.00% |
| 2 | EMPLOYEES UNITED ★ 4.5 · 2 reviews | 4.50% | 13.00% |
| 3 | NORTHEAST TEXAS TEACHERS ★ 4.5 · 17 reviews | 5.25% | 6.65% |
3 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NORTHEAST TEXAS TEACHERS ★ 4.5 · 17 reviews | 6.65% | 5.25% |
| 2 | PARIS DISTRICT ★ 5.0 · 86 reviews | 11.00% | 2.90% |
| 3 | EMPLOYEES UNITED ★ 4.5 · 2 reviews | 13.00% | 4.50% |
A pre-approval from a Paris 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 Paris in the same window and take the best offer.
See member reviews, branch locations, and full rate details.