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Finance or Refi New or Used Auto Loans for More Savings


In the market for a new or used vehicle, but don’t want to get taken to the cleaners? Don’t finance with just anyone; HFCU is ready to provide you with better financing options that save you money and work for your budget. Your savings start when you finance with our new auto loan rates as low as 1.99% APR*, or used auto loan rates as low as 2.19% APR*! Did you feel cornered into financing with the dealer or another lender? Well, it’s not too late, HFCU is here to provide you with personalized financial solutions!Apply to refinance with HFCU, and see how much you might be able to save!

Take advantage of our VIP¹ (Vehicle Instant Purchase) check when you are ready to purchase your new or used vehicle at the dealership. With a VIP¹ check you are pre-approved up to a certain amount, and have the power to negotiate the best price for your vehicle at the dealership. Additionally, our low rates, flexible terms, and first payment date options* are geared to fit your lifestyle, and help you save more over the life of your loan.

The savings don’t stop with just the auto loan. HFCU also offers excellent Protection Products² that can help you protect your investment and extend the life of your vehicle, which include Extended Warranties, GAP Plus, Debt Cancellation Protection; as well as Tire, Wheel, Windshield, and Dent & Door Protection. You may be able to roll these low-cost protection products in with your loan!

We are dedicated to saving you money on your first auto loan! 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. If you would like to bypass the waiting queue and receive a call back, you do have the option to leave a message and the next available representative will return your call.

Apply for Your Used or New 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 October 1, 2021 through October 31, 2021. 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 $17.75 per $1,000 borrowed at 2.50% APR. Used autos: 60 monthly payments of approximately $17.84 per $1,000 borrowed at 2.70% 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.