New Year. New Ride. Low Rates. 🚗🎆

Woman excited about new car holding up keys with an open-mouth smile

Low auto loan rates and more vehicle options to start the year right.

A new year is the perfect time for a fresh start, and that can include what’s parked in your driveway. While others are waiting for “someday,” smart shoppers know early in the year is an ideal time to upgrade their vehicle. With HFCU’s low-rate auto loans, getting behind the wheel of something new (or new to you) has never been easier.

Even better, we’ve expanded vehicle eligibility, giving you more freedom to shop confidently. Whether you’re looking for a dependable high-mileage gas vehicle or a diesel built for the long haul, you now have more choices with the same great rate for both new and used vehicles. Learn more about auto loans at HFCU.

Why Start the Year with an HFCU Auto Loan:

Low Rates That Go the Distance – New and used auto loans starting at 4.50% APR*
Expanded Vehicle Eligibility – Financing available for higher mileage vehicles
Flexible Terms – Payment options that fit your budget
Fast Pre-Approval – Know your buying power before you shop
Member-First Lending – Clear terms, no hidden fees
Refinancing Options – You may be able to lower your rate and save even more

Whether your goals include a fuel-efficient commuter, a family-friendly SUV, or a road-trip-ready upgrade, HFCU gives you the flexibility and rates to make it happen.

Start the year strong. Apply for an HFCU auto loan today and drive into the new year with confidence.

eVIP Check & Protection Products – New Year Refresh
You’re already starting the year ahead with HFCU’s eVIP (electronic vehicle instant purchase) check! With an eVIP check you are pre-approved up to a certain amount. The check gives you the bargaining advantages of a cash buyer, allowing you to keep the conversation on the true invoice price and negotiate the best deal. Simply print your check and have the flexibility to negotiate the best price for your vehicle at the dealership when you are ready to purchase.¹

For added peace of mind in the year ahead, 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

Don't wait to make your move. 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 and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply for a 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 December 1, 2025 through January 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.

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.