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Auto Loans

New and Used Auto Loans

Get savings that actually stack up to your purchase when you finance your vehicle with Texans Credit Union. We won’t have it any other way. New or used, SUV or sedan, red or blue, enjoy competitive rates, convenient closing options, and options to protect your loan. Our fast and easy application process will have you cruising in your new wheels in no time.

Refinance Your Current Car

You’ve got your vehicle, and we’ve got your sweet escape from that high interest rate. Refinance with Texans Credit Union and we'll help you stay in the vehicle you love with a monthly payment you can brag about. We’ll do the heavy lifting. For a quick and easy decision process, apply online.


Let Texans get you pre-approved so you can start getting in that new ride. 

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. 
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Auto Loan Rates

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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 5.99% 5.99% 5.99%
49 to 60 Months1 5.99% 5.99% 5.99%
61 to 72 Months2 6.24% 6.24% 6.24%
73 to 84 Months3 7.39% 7.39% 7.69%




Your dream car is within reach with Texans Credit Union. 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. 


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

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 Protection

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. 
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Membership Required. Loans are subject to credit approval.
* Annual Percentage Rate (APR). Rates are current as of 04/29/2024 and reflect rates available on auto loans only. 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 $587.01 over a 48-month loan at 5.99% 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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