Current Loan Rates
Bank of Texas is your source for new and used auto loans, home equity loans and lines of credit, and personal loans. Whether you’re buying a new vehicle, remodeling your home, or consolidating debt, we have a number of financing options that will help you achieve your goals.
Effective: December 19, 2024
New Auto Loan
| Term |
APR 1 As low as |
|---|---|
|
36 Months |
6.64% |
|
48 Months |
6.64% |
|
60 Months |
6.64% |
|
72 Months |
7.34% |
Used Auto Loan
| Term |
APR 2 |
|---|---|
|
36 Months 2014 - 2024 |
6.64% |
|
48 Months 2016 - 2024 |
6.64% |
|
60 Months 2020 - 2024 |
6.64% |
|
72 Months 2021 - 2024 |
7.34% |
Home Equity Line of Credit
| Term |
APR 3 As low as |
|---|---|
|
10 Years Revolving - 15 Years Repayment |
7.62% |
Home Equity Loan
| Term |
APR 4 |
|---|---|
|
60 Months |
7.53% |
|
120 Months |
7.52% |
|
180 Months |
7.50% |
|
240 Months |
7.74% |
Home Equity Loan - 2nd Position
| Term |
APR 4 |
|---|---|
|
60 Months |
9.54% |
|
120 Months |
9.52% |
|
180 Months |
9.50% |
|
240 Months |
9.75% |
Important Disclosures
1 The Annual Percentage Rate (APR) shown for New Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual's excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance.
2 The Annual Percentage Rate (APR) shown for Used Automobile is subject to approval and the presentment of a perfected lien on your vehicle. The APR quoted is offered depending on the individual's excellent and substantial credit and key loan characteristics, including amount, term, vehicle age, and selecting auto payment from a qualified checking account. Individuals with less than excellent and substantial credit may be offered higher rates. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $255.76 for a 72 month loan at 7% APR with a $15,000 original balance. Maximum Mileage for Used autos is 200,000 miles.
3 The APR is variable and based on the highest Prime Rate published each day in The Wall Street Journal Rates Table (the “index”), plus a margin during the revolving and repayment period. The index plus a margin ranged from 7.50% to 13.00% as of 12/19/2024. In no event will the APR exceed the lesser of 18% or the maximum rate allowed by applicable law. The Margin offered is dependent on the individual’s excellent and substantial credit characteristics. Individuals with less than excellent and substantial credit may be offered a higher margin. Property insurance required including flood insurance where applicable. A processing fee of $180-$500 depending on loan amount is due at closing. Maximum loan to value (LTV) may vary based on applicant(s) credit score. The minimum advance is $4,000. Rates and Terms are subject to change without notice. All loans are subject to credit approval.
4 Property insurance required including flood insurance where applicable. Monthly payment amounts vary by loan term and rate. For example, the minimum payment is $337.86 for a 180 month loan at 6.00% APR with a $40,000 original balance.