Auto Loans · Pharr, Texas
1 credit union in Pharr report car loan rates to the NCUA. Lowest rate: 4.78%.
Updated Q1 2026 · NCUA Call Report data
1
CUs Reporting Rates
4.78%
Lowest New Car Rate
4.78%
City Average Rate
1 credit union sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | NAFT ★ 3.3 · 34 reviews | 4.78% | 4.95% |
1 credit union sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | NAFT ★ 3.3 · 34 reviews | 4.95% | 4.78% |
A pre-approval from a Pharr 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 Pharr in the same window and take the best offer.
See member reviews, branch locations, and full rate details.