New and Used Auto Loans
We make financing your new or used car straightforward and affordable. Our auto loans feature competitive rates, flexible terms, and up to 100% financing—helping you get behind the wheel faster while saving more along the way.
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Whether you’re at the dealership, at work, or at home, Texans Credit Union makes it convenient to close your vehicle loan. We’ll handle the details, leaving you free to enjoy your new ride.
AUTO LOAN REFINANCING
Refinancing your auto loan with Texans Credit Union may help you save more each month. You could qualify for a lower interest rate, reduce your payments, or shorten your term to pay off your vehicle faster.
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Texans make refinancing your vehicle loan efficient and rewarding, so you can keep more cash in your pocket.
GET PRE-APPROVED
Auto loan pre-approval takes the uncertainty out of car shopping. With financing in place before you step onto the lot, you can focus on finding the perfect vehicle.
With a Texans Credit Union auto loan pre-approval, you’ll know your budget and interest rate in advance. You’ll also strengthen your bargaining power, since dealers view you as a cash buyer—helping you avoid financing pressure and secure the best deal.
Flexible Terms
36 months to 84 months - You choose and we’re here to help.Up to 100% Financing
We got you covered!Personalized Service
Get the treatment a Texan deserves.Low Rates
With our track record, you can trust we'll get you the competitive rate you need.Convenient Closing Options
At the dealership? At the office? On your couch? We can make it happen.Peace of Mind
Life happens. We’ll protect your loan even if you’re in an accident.
TEXANS PREFERRED AUTO DEALER PROGRAM
At Texans Credit Union, we believe car buying should work to your advantage. With our Preferred Auto Dealer Program, you’ll enjoy access to reputable dealers, member-only pricing, and a single point of contact to handle the details, so you can shop with confidence while saving time and money.
Guaranteed Asset Protection GAP PLUS
If your vehicle is totaled or stolen, your insurance may not cover it's 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
With Mechanical Breakdown Protection, you’ll enjoy affordable coverage for major repairs and unexpected breakdowns. The coverage can be conveniently rolled into your monthly payment.Credit Life and Disability Protection
Credit Life and Disability Protection covers your vehicle payments if an unexpected accident, illness, or loss occurs. It’s an affordable way to protect your family, credit, and peace of mind.Multi-Shield Vehicle Protection
Protect your vehicle from everyday mishaps. With Multi-Shield Vehicle Protection, you’re covered for tire and wheel repairs or replacement, dent and door ding protection, and windshield repair or replacement from hazards.
VEHICLE LOAN FAQS
No. We offer up to 100% financing on vehicle purchases, making it easy to get behind the wheel without extra upfront costs. You can make a down payment if you want to lower the amount you have to finance, but it’s not required.
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RV LOANS
Hit the road, water, or trail with a Texans RV Loan. Enjoy great rates and flexible terms for your next boat, motorhome, motorcycle, ATV, UTV, golf cart, or jet ski.PERSONAL LOANS
Get the cash you need, when you need it. Texans’ Personal Loans offer competitive rates, flexible terms, and no collateral is required.CREDIT CARDS
Texans' flexible Credit Cards simplify your spending and help you save. Earn rewards and enjoy competitive rates, no annual fees, and more!
Membership Required. Loans are subject to credit approval.
* Annual Percentage Rate (APR). Rates are current as of 02/02/2026 and reflect rates available on auto loans only. The as low as rate applies exclusively to used vehicles. Rates and terms are subject to change without notice. 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. 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 $744.68 over a 36-month loan
at 4.59% 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 $20,000 required.
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Minimum loan amount of $30,000 required.
