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Quick and Affordable Financing on New and Used Auto Loans


Save Money with HFCU’s Low Rates and VIP Check

HFCU offers quick and affordable financing for your vehicle with competitive auto loan rates as low as 5.14% APR* for new vehicles, and rates as low as 5.44% APR* for used vehicles! Flexible terms and first payment date options are also available!**

In addition addition to low auto loan rates, HFCU’s VIP check makes the process of purchasing your new or used vehicle quick and easy! The VIP check gives you purchasing power with a pre-approved amount, and the flexibility to negotiate the best price for your vehicle when you are ready to purchase.¹

HFCU’s Protection Products² help you extend the life of your vehicle, and save on costly repairs. These products can be easily rolled into your loan, and include our Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection.²

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.

Apply for Your Auto Loan Today!

*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 May 1, 2024 through May 31, 2024. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan term for 72-84 months require a $20,000 minimum loan. Payment examples: New autos: 60 monthly payments of approximately $19.17 per $1,000 borrowed at 5.65% APR. Used autos: 60 monthly payments of approximately $19.31 per $1,000 borrowed at 5.95% APR. For deferred payment option, interest accrues during deferral period. HFCU is an equal opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. 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.