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Refi and Save More with HFCU Auto Loans!


Discover a better financing experience by refinancing your auto loan with rates starting as low as 1.99% APR*. When you refinance your auto loan with Houston Federal Credit Union, you could potentially save thousands of dollars by lowering your interest rate, reducing your monthly payments, and choosing repayment terms that make sense for you to get the best deal.

Why should you consider a Houston Federal Credit Union auto loan?

  • Refinance with our NEW LOWER rate auto loan and $ave money. If you financed your current auto loan through a dealership, you may not have gotten the best rate. Car dealerships are experts in selling cars and are more focused on the price of the vehicle you’re interested in, and not what’s in your budget. HFCU’s Lending Team are experts when it comes to refinancing, and are focused on helping you lock in the lowest rate auto loan that saves you the most money. We have lower loan rates and we want to refinance your new or used auto. Our lower rate equals more savings to you over the life of your loan. Take a look at this infographic where we break it down for you.
  • Save time with our easy online auto loan application. Apply for your auto loan online in under 10 minutes, safely and securely, through your eTeller (online banking) portal. Receive your pre-approval correspondence, sign and finalize your loan paperwork through our secure and encrypted e-mail platform!
  • Reduced monthly payments. When refinancing your auto loan with a different term length and a lower loan rate, it could potentially lower your monthly auto loan payment and reduce your monthly expenses
  • Make your payments wherever you may be. Set-up loan payments via transfer within your HFCU Accounts or using our remote QuickPay tool, you can easily schedule a single payment or recurring payments for your HFCU loan.

Refinance Your Auto Loan Online »

To ensure you’re getting the best deal and lowest rate possible, click the button above, or call us at 281-243-0555 or toll-free at
1-(844)-VIP-HFCU (1-844-847-4328), and we can help you finance your next car. Our Electronic Lending Team hours are Monday – Friday 9:00 am – 7:00 pm and Saturday 9:00 am – 2:00 pm.

*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 through April 30, 2020. 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 $17.75 per $1,000 borrowed at 2.50% APR. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.