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Fast and Affordable Financing Options for Your Vehicle at HFCU!


Low Rates for New & Used Auto Loans and Quick Pre-Approval with a VIP Check

HFCU is ready to help you experience fast and affordable financing with our competitive auto loan rates as low as 5.44% APR* for new vehicles, and rates as low as 5.74% APR* for used vehicles! Flexible terms and first payment date options are available!**

Take advantage of HFCU’s VIP (Vehicle Instant Purchase) check, which speeds up the financing process, and provides purchasing power with a pre-approved amount to help you negotiate the best price for your vehicle at the dealership when you are ready.¹

Save even more money with HFCU’s full range of Protection Products² to help protect your investment, extend the life of your vehicle, and save on costly repairs. These services can be easily rolled into your loan, and include 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 281-243-0555, or toll-free at 1-(844)-VIP-HFCU (847-4328). Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-7:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply for Your Auto Loan Today!

*APR is Annual Percentage Rate. Normal credit criteria apply. Rates for approved loans are based on the applicant’s credit history. 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, 2023 through September 30, 2023. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan term for 72-84 months require a $20,000 minimum loan. Payment examples: New autos: 60 monthly payments of approximately $19.31 per $1,000 borrowed at 5.95% APR. Used autos: 60 monthly payments of approximately $19.45 per $1,000 borrowed at 6.25% APR. For deferred payment option, interest accrues during deferral period. HFCU is an equal opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. 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.