Cool 🚗Rates, Unlike Houston Fall

Two women friends driving and smiling with sunglasses on

Cruise Through September with a Lower Auto Loan Rate!

Fall is (not really) in the air, for Houston, but we still have low rate auto loans at Houston Federal Credit Union! From family road trips to spontaneous adventures, the right car makes every moment better. Take advantage of our affordable rates and personalized service designed to help you drive off with confidence. Whether you're buying new, used, or refinancing, HFCU is here to help you save money on your vehicle purchase. Learn more about auto loans at HFCU. Apply today and get on the road with something better!

New and used auto loan rates starting as low as 4.50% APR*, and the process of purchasing your new or used vehicle is quick and easy with HFCU’s eVIP (electronic vehicle instant purchase) check! Check out our current auto loan rates.

With an eVIP check you are pre-approved up to a certain amount. The check gives you the bargaining advantages of a cash buyer, allowing you to keep the conversation on the true invoice price and negotiate the best deal. Simply print your check and have the flexibility to negotiate the best price for your vehicle at the dealership when you are ready to purchase.¹

Protect your investment! HFCU’s Protection Products help you extend the life of your vehicle, and save on costly repairs. This includes our Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection.²

Apply for your auto loan today! Start your application by clicking the link below, by calling us at (346) 476-5145, or toll-free at 1-(866) 687-4328. Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-5:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply for a Loan

*APR is Annual Percentage Rate. Loans subject to credit approval. Rates for approved loans are based on the applicant's creditworthiness. Stated "rates as low as" apply to well-qualified applicants. Loan term, loan to value (LTV) and/or down payment, for example, may vary based upon your credit history. Current rates are effective September 1, 2025 through September 30, 2025. Terms and conditions may apply, and rates are subject to change without notice. Talk to a loan officer for details. Loan terms 72-84 months require a $20,000 minimum loan amount. Payment examples: New autos: 60 monthly payments of approximately $19.01 per $1,000 borrowed at 5.30% APR. Used autos: 60 monthly payments of approximately $19.24 per $1,000 borrowed at 5.80% APR. For deferred payment option, interest accrues from disbursement date and through any deferral period. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Applicant must meet membership eligibility requirements. HFCU is an Equal Credit Opportunity Lender. Other restrictions may apply.

¹VIP program subject to certain credit criteria. Available at participating dealerships within the greater Houston, TX and Greenville, SC areas. May be used for the purchase of new or used automobiles, trucks or SUVs. May not be used for sales between private parties or to purchase reconditioned, salvaged, or auctioned vehicles. Other restrictions may apply. See Credit Union for additional terms and conditions.

²GAP/Extended Warranty/Multi-Shield Protection: See Credit Union for terms and conditions.