Auto Loans · Sugar Land, Texas
4 credit unions in Sugar Land report car loan rates to the NCUA. Rates range from 4.12% to 6.58%.
Updated Q1 2026 · NCUA Call Report data
4
CUs Reporting Rates
4.12%
Lowest New Car Rate
5.36%
City Average Rate
4 credit unions sorted by APR
| # | Credit Union | New Car APR | Used Car APR |
|---|---|---|---|
| 1 | PIONEER MUTUAL ★ 4.1 · 29 reviews | 4.12% | 4.76% |
| 2 | NIZARI PROGRESSIVE ★ 3.7 · 62 reviews | 4.99% | 5.31% |
| 3 | HOUSTON ★ 3.8 · 315 reviews | 5.75% | 4.95% |
| 4 | SCHLUMBERGER EMPLOYEES ★ 2.4 · 97 reviews | 6.58% | 7.03% |
4 credit unions sorted by APR
| # | Credit Union | Used Car APR | New Car APR |
|---|---|---|---|
| 1 | PIONEER MUTUAL ★ 4.1 · 29 reviews | 4.76% | 4.12% |
| 2 | HOUSTON ★ 3.8 · 315 reviews | 4.95% | 5.75% |
| 3 | NIZARI PROGRESSIVE ★ 3.7 · 62 reviews | 5.31% | 4.99% |
| 4 | SCHLUMBERGER EMPLOYEES ★ 2.4 · 97 reviews | 7.03% | 6.58% |
A pre-approval from a Sugar Land 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 Sugar Land in the same window and take the best offer.
See member reviews, branch locations, and full rate details.