Expanded Options, Same Holiday Rates 🎁🚙

Mother and daughter hugging buying a new car

Drive into December With More Options & Merry Low Rates🎄🚗

December is here, and while everyone else is juggling gift lists, twinkling lights, and holiday traffic, smart shoppers know it’s also one of the best times to upgrade their ride. Even better? HFCU’s low-rate auto loans make it easier than ever to find a vehicle that fits your holiday plans, and now, more vehicles qualify than before.

We’ve expanded flexibility so members have more choices, whether it’s a reliable high-mileage gas car or a diesel built for long winter drives. And with the same great rate on both new and used vehicles, you get more freedom to shop the way you want this season. Learn more about auto loans at HFCU.

Why HFCU Auto Loans Make Holiday Shopping Bright:

Low Rates You’ll Love – New and used auto loans starting at 4.50% APR*
Expanded Vehicle Eligibility – Higher credit tiers may finance:

Gas vehicles up to 150,000 miles
Diesel vehicles up to 200,000 miles

Flexible Terms – Payment plans that fit your holiday budget
Fast Pre-Approval – Know your buying power before you visit the dealership
Transparent, Member-First Lending – No hidden fees or gimmicks
Refinancing Options – Already have an auto loan? You may be able to save even more this season

Whether you’re looking for a winter-ready SUV, a dependable commuter car, or the perfect road-trip vehicle to visit family, you now have more options, and the same great rate to make it happen.

Warm up your winter with a better ride. Apply for an HFCU auto loan today and drive into the holidays with comfort, confidence, and cheer.

You are already on the “Nice” list with HFCU’s eVIP (electronic vehicle instant purchase) check! 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

HFCU’s Protection Products give you peace of mind by extending the life of your vehicle, and saving more on costly repairs. This includes our Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection.²

Don't wait for the end-of-year rush. 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 December 1, 2025 through December 31, 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: 60 monthly payments of approximately $19.01 per $1,000 borrowed at 5.30% 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.