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Auto Loans

New and Used Auto Loans

Put big savings back in your pocket with Texans Credit Union new and used car loans. Enjoy competitive rates, convenient closing options, and options to protect your loan. With our easy application and quick decision process, you could drive away in your new vehicle today!

Refinance Your Current Car

Already purchased your vehicle? Get out of that higher-interest loan and start saving by refinancing your vehicle with Texans Credit Union. We'll help you stay in the car you love with a monthly payment that you can afford. For a quick and easy decision process, apply online. 

Pre-approval

Applying for pre-approval can provide you with an advantage while you look for your next car.

Flexible Terms

36 months to 84 months - it's up to you!

Low Rates

With competitive rates, you can trust we'll get you the best rate possible.

Up to 100% Financing

Don't worry - we got you covered!

Convenient Closing Options

At the dealership? In a branch? On your couch? We can make it happen.

Personalized Service

Be treated like a Texan should.

Peace of Mind

We offer options to protect your loan in the event of an accident. 

Auto Loan Rates

Apply Now
Loan Term New Vehicles APR* as low as Late Model Used Vehicles APR* as low as Used Vehicles APR* as low as
0 to 48 Months 1 5.59% 5.59% 5.64%
49 to 60 Months1 5.74% 5.74% 5.84%
61 to 72 Months2 5.74% 5.74% 5.84%
73 to 84 Months3 6.69% 6.69% 6.99%

GAP

If your vehicle is totaled or stolen, your insurance may not cover its full value. GAP coverage offers peace of mind by covering additional funds to pay off the vehicle loan and may provide up to $2,500 to use toward the purchase of a replacement vehicle.

Mechanical Breakdown Protection

Car repairs today are more expensive than ever. Fortunately, Texans offers its members Mechanical Breakdown Vehicle Protection coverage. Enjoy peace of mind coverage for expensive vehicle breakdowns, repairs, and more, all at an affordable cost, easily included in your monthly payment.

Credit Life and Disability Coverage

At Texans Credit Union, we help our members be prepared in case tragedy strikes. Our Credit Life & Disability Protection safeguards your family, your credit, and your possessions for a minimal cost and leaves them protected in the case of a sudden accident.

 

 

TEXANS PREFERRED DEALER PROGRAM

 

Still looking for your dream car? Simplify your car buying experience with our Preferred Auto Dealer Program. Enjoy great deals and a single point of contact through the entire process to make finding and financing your dream car a breeze.

Membership Required. Loans are subject to credit approval.

* Annual Percentage Rate (APR). Rates are current as of 01/27/2023 and reflect rates available on auto loans only. Rates and terms are subject to change without notice. Rates shown require a maximum loan-to-value of 100% for a 0.25% rate discount. Rates, terms and conditions are determined by the overall creditworthiness of each applicant, collateral value, amount financed and other factors. Some restrictions may apply. Additional financing options available. Maximum vehicle mileage of 100,000. For loans with mileage over 100,000, add additional 0.50% to rate. For vehicles 2017 and older, add 1.00% rate increase. Refinance of an existing Texans auto loan includes a $50 fee. Financing is not available for commercial-use vehicles, salvaged or branded title vehicles. Other restrictions may apply.

Payment Example: Based on a $25,000 loan amount, the minimum monthly payment is $582.44 over a 48-month loan at 5.59% APR.

1. Minimum loan amount of $5,000 required for 36-month term. Minimum loan amount $10,000 required for 48 - 60-month terms.

2. Minimum loan amount of $18,000 required.

3. Minimum loan amount of $30,000 required.

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