If you are in the market for a new or used vehicle, HFCU provides plenty of options to make sure you are getting a great rate that provides you with more savings over the life of your loan. If it’s your first vehicle, we offer our first-time auto buyer program to help you finance!
Take advantage of our new auto loan rates as low as 4.74% APR*, and used auto loan rates as low as 4.94% APR*! We also have flexible terms and first payment date options available!*
If you have little to no credit history, considerations will be made under certain terms and conditions. In order to qualify for the first time auto buying program you must:
- Be 18 years old or older
- Have no previous auto loans
- Have a loan amount of $35,000 or less
- Have held a job 6 months or more with verifiable income
- Provide proof of full coverage insurance
We also make the process of purchasing quick and easy with our VIP (Vehicle Instant Purchase) check! With a VIP (Vehicle Instant Purchase) check you are pre-approved up to a certain amount, and gives you the flexibility to negotiate the best price for your vehicle at the dealership when you are ready to purchase your new or used vehicle.¹
Make sure you also take advantage of our very competitive Protection Products² to help you extend the life of your vehicle, and save on costly repairs. This includes our Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection.
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.