Prosperity Bank doesn't say anything about CARFAX or AutoCheck on its auto loan page, so as of Oct 19, 2026 I found no posted rule that it requires one, and no sign that it gives you one free. What it does say: it makes new and used car loans and refinances, but only to residents of Texas and Oklahoma, the online application gives a decision within minutes, and you close at a branch. It doesn't post auto rates or any vehicle age, mileage or title limits, so those are questions for a loan officer before you commit to a car.
Prosperity Bank is the Houston-based bank owned by Prosperity Bancshares. I read its "Apply for an Auto Loan" page and its support FAQ page on Oct 19, 2026, plus the July 2026 press release on its Stellar Bank merger. I didn't apply or call, so anything not on those pages is in the question list near the end.
What the auto loan page actually says
The page is short. It promises "flexible terms," "competitive rates" and "easy repayment options" without numbers. The disclosures say auto loans are available to residents of Texas and Oklahoma, refinancing is available for auto loans from other lenders, and loan closing may happen at any of its banking centers. Before applying online you need a current ID, a selfie and a valid email address. The bank says the online application gives a decision in a few minutes and that someone will contact you within 24 hours about the loan's status. The phone line listed is 1-800-531-1401.
The support FAQ page only links back to that same auto loan page. I didn't find a rate table, an auto loan FAQ or any vehicle requirements anywhere I looked. That's thin compared with some banks we've covered. INTRUST, for one, posts rates by model year and mileage, and its guide bans salvage titles in writing.
The size and the merger
As of March 31, 2026, Prosperity Bancshares reported $43.619 billion in assets, and as of June 30, 2026 it listed 311 full-service locations across Texas and Oklahoma. On July 1, 2026 it completed its merger with Houston's Stellar Bancorp. Stellar's 52 offices keep the Stellar name until the systems integration, which is scheduled for March 2027. Stellar's FAQ tells existing loan customers to keep paying as they do now, with more guidance as that date gets closer. If you're a Stellar customer shopping for a car loan this fall, ask which bank's auto product you're actually applying for, since the two haven't merged their systems yet.
History reports and title brands
A lender that doesn't name a report requirement can still turn a loan down once it sees the car, so don't treat silence as a yes. I'd assume a salvage or rebuilt title will be a problem until a loan officer says otherwise in writing. Our post on bank rules for rebuilt-title loans explains why most banks back away from them, and Texas buyers can see how those brands work in our Texas salvage and rebuilt title guide.
The bank isn't going to check the car's past for you before you sign the purchase contract. Check the title brand history on NMVTIS, then get a CARFAX report or AutoCheck for accidents, owners and odometer readings. If the dealer offers you a free report, look at the date on it. Our piece on whether a dealer's free AutoCheck is enough covers when it isn't.
How to judge an offer with no posted rate
Since Prosperity doesn't publish auto rates, the only yardstick is the market. Experian's latest data, still Q2 2026 when I checked on Oct 19, put the average used car loan at 11.19% APR. By credit tier, its used-car averages were 6.29% for super prime, 8.81% for prime, 13.93% for near prime, 19.10% for subprime and 21.62% for deep subprime. Experian uses VantageScore 4.0 bands, so match your score loosely, not exactly. If a quote lands well above your tier's average, that's your cue to shop. In Texas, we've also looked at Frost Bank's auto loan policy if you want a second bank to compare.
Questions to ask before you apply
- What's the current APR range for a used car, and does it change by model year or mileage?
- Is there a maximum vehicle age or mileage for a used car loan?
- Will you finance a car with a rebuilt, salvage or other branded title?
- Can I use the loan for a private-party purchase, and how is the title handled?
- Do you require a vehicle history report, and if so, which one?
- How long is an approval good for?
Get the answers in an email or on the loan papers. Verbal answers from a call center are easy to dispute later.
For the record: CarVins is a licensed reseller of CARFAX and AutoCheck reports and isn't affiliated with CARFAX, AutoCheck, Experian or Prosperity Bank. In mid October 2026, guest reports were about $5.50, member reports about $4.50 and the CARFAX plus AutoCheck bundle about $6.75, while buying direct runs roughly $39.99 to $44.99. Double-check the price at checkout, because it can change.
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