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HFCU Auto Loans Get You on the Road in No Time


We help put our members in the driver’s seat of cars they love! With our auto loan rates starting as low as 1.75% APR*, fast loan decisions, and flexible repayment terms, we’ll keep you smiling as you get behind the wheel of your new or used vehicle. There’s never been a better time to secure an HFCU auto loan. Plus, take advantage of BIGGER savings with GAP Plus, Extended warranties, and Multi shield Protection Products** designed to protect your investment.

Accelerate your vehicle purchase with a Vehicle Instant Purchase(VIP) Check***!

Simply apply for your auto loan before going to the dealership. Upon approval, you will receive a blank check good up to a maximum pre-approved amount for your loan. Negotiate the lowest price possible at the dealership, sign your VIP check, and drive away. No more paperwork, no hidden fees, and you’ll still receive a great low rate from us while getting the best deal on your vehicle.

Whether you’re purchasing new or used, or looking to refinance a vehicle, Houston Federal Credit Union offers exceptionally low rates and flexible terms. Click the button below, call us at 281.243.0500, toll-free at 1.866.OUR.HFCU, or stop by one of our convenient locations, and one of our lending team representatives can help you get on the road in no time.

Get Into the Car You Want Today, With an HFCU Auto Loan »

* 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. Other restrictions 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. Payment example: 60 monthly payments of approximately $17.64 per $1,000 borrowed at 2.25% APR. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.
* * GAP/ExtendedWarranty/Multi-Shield Protection: See Credit Union for terms and conditions.
* * * VIP 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. See Credit Union for additional terms and conditions.