Finance Smarter: Lower Payment + $250 Bonus 💰🚗

Man in new car pushing buttons on the dash smiling

Enjoy lower payments, first payment date options, and receive $250 cash back!

With HFCU, you can take advantage of low-rate auto financing or refinancing designed to keep your monthly payment affordable, while also earning a $250 cash back rebate after your first complete payment is made. Even better, qualified members may also enjoy the added flexibility of picking their first payment date*, giving you more breathing room after you drive off the lot.

That means more time, more flexibility, and more savings, built into one smart loan.

While others are still shopping around, you could already be driving with confidence, backed by competitive rates, flexible terms, and a credit union that puts members first. Learn more about auto loans at HFCU.

Why Choose an HFCU Auto Loan:

$250 Cash Back for Qualified Vehicle Loans – Learn more about this limited time offer

Rates That Keep You Moving Forward – New and used auto loans starting at 4.95% APR* for 60 months
First Payment Date Options – Decide would like to make your first payment*
Refinancing Options – Lower your rate and potentially reduce your payment
Expanded Vehicle Eligibility – Financing available for higher mileage vehicles
Flexible Terms – Designed to fit your budget and lifestyle
Fast Pre-Approval – Shop with confidence and know your buying power
Member-First Lending – Clear terms with no hidden fees

Whether you're lowering your current payment through refinancing, or finally getting into a much-needed upgrade, HFCU helps make it more affordable and more rewarding.

Drive smarter with an auto loan that gives you flexibility, savings, and cash back.

eVIP Check & Protection Products – No Pressure from the Dealer
Take your buying power to the next level with HFCU’s eVIP (electronic vehicle instant purchase) check! You will be pre-approved up to a set amount, so you can shop like a cash buyer, negotiate with confidence, and skip the pressure of dealership financing. Just print your check and use it when you're ready.¹

Want to protect your new ride? HFCU’s Protection Products help extend 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

Take advantage of this great deal, and apply for your auto loan today! Start your application by clicking the link below, by calling us at (346) 637-3189, 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.

Apply for an Auto 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 May 1, 2026 through May 31, 2026. 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 $18.85 per $1,000 borrowed at 4.95% 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.

¹eVIP 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.