First-Time Buyer Program. You chose the red, we'll handle the green.

Your first car is a big deal. So we created the Texans First-Time Buyer Program.Apply Now!

At Texans CU, we want to assist you in building a sound financial future and establishing good credit. If you've got little to no credit history and will be taking out your first auto loan, the Texans First-Time Buyer Program was made for you!

  • Competitive interest rates
    Low, competitive fixed rates to meet a variety of financing needs
  • Build your credit on your own
    Take this opportunity to build or enhance your credit with a financial institution you trust
  • All of the benefits of a Texans Auto Loan
    Flexible financing terms, personal service, same-day decisions on most applications

And if you're still looking for that perfect ride, take advantage of our Preferred Dealer Program! You get a simple, enjoyable car-buying experience, plus financing that 'gets' you at Texans CU.

Program Guidelines

  • Stable, full-time employment history with minimum monthly income of $2,000
    (unless prior was in school)
  • No derogatory credit
  • Maximum loan amount of $25,000
  • 2010 or newer year models only and less than 50,000 miles
  • Other program guidelines and creditworthiness parameters apply

Our Lending Department is happy to help with any questions about the program guidelines or to help you apply for pre-approval - give them a call at 972.348.2290! You can also stop by any of our branch locations for more information or Apply Online!



Membership required.
Must be 18 or older to apply. Rates and terms are determined by the overall creditworthiness of each applicant and are subject to change. Final rate subject to increase based on final approved Loan to Value. Not all applicants will qualify. Other restrictions may apply.

Texans CU Routing # 311987786
24-Hour Account Access Line: 972.348.2001 (800.843.6426)

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