Loan Star Check

Walk Into the Dealership with Loan Star Check

Get pre-approved* for your auto loan with Texans Credit Union and shop with confidence knowing exactly how much you can spend. Once you're pre-approved, we'll provide you with a Loan Star Check¹ for your approved amount, giving you the freedom to shop for the vehicle you want. When you've found your dream vehicle, simply sign your Loan Star Check and hand it to the dealer—it's that easy.

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How It Works

1. Get Pre-Approved

Complete your application to get pre-approved for an auto loan. We’ll let you know how much you’re pre-approved for so you can know how much you can borrow and shop with confidence.

2. Get Your Check

Once you’ve been pre-approved, we’ll provide you with a Loan Star Check¹ to take straight to the dealer. Pick it up at your nearest branch, have it mailed to your home, or have it emailed to you to be printed at the dealership.

3. Buy Your Vehicle

Shop with confidence, knowing the financing is already taken care of. Once you find your perfect car, negotiate the price with the dealer, then provide the dealer with your signed Loan Star Check.¹

4. Finalize Your Loan

The dealer will deposit the check in their bank. We will contact you once the check clears to go over final details, additional options, and finalize your loan to complete the process.

Why Use a Loan Star Check?

Shop With Confidence

Know your buying power before you shop.

Save Time at the Dealership

Skip the financing delays and move forward faster.

Stronger Negotiating Power

Focus on the best price, not the financing.

Loan Star Check FAQs

Once you’re pre-approved, Texans will issue a Loan Star Check with your funds. You can pick it up at your nearest branch, have it mailed to your home, or have it emailed to you to be printed at the dealership. When you’re ready to buy your vehicle, simply take it to the dealer to complete your purchase.

No. The amount on your Loan Star Check is how much you've been approved for—but you don’t have to use it all. You’ll only be responsible for the amount you’re applying toward the purchase.

Your pre-approval is good for 60 days after you’re approved. If you’re still shopping after 60 days or have questions about timing, contact us and we’ll help you understand your next steps.

No. Pre-approval is not the same as final loan approval. Final approval may depend on vehicle details, credit approval, collateral review, and other lending requirements. If you have questions, reach out before you sign so we can help you review your options.

Membership Required. Loans are subject to credit approval.

* Texans Credit Union will obtain a credit report to evaluate your creditworthiness and prequalification request. This is a hard credit inquiry that may temporarily affect your credit score.

¹ Loan Star Check may be used to purchase eligible new or used automobiles, trucks, SUVs, boats, and recreational vehicles from participating Texas dealerships. Cannot be used for private-party purchases or vehicles with salvage, rebuilt, flood-damaged, or bonded titles. Checks are valid for 60 days from the application date. Other restrictions may apply. Contact one of our Loan Advisors for details.