Road Trip Ready. Wallet Approved. 🚗☀️

Why just finance a vehicle when you can upgrade your ride, delay your first payment and put $250 back in your pocket?

Summer is made for road trips, weekend adventures, and making memories. Whether you're shopping for a new vehicle or looking to lower your current payment, HFCU can help you get behind the wheel with competitive rates, flexible terms, and a member-focused lending experience.

And for a limited time, qualified borrowers can also receive a $250 cash rebate after their first full payment is made. Pair that with delayed first payment options for qualified borrowers, and you'll have more room in your budget to enjoy everything summer has to offer. Learn more about auto loans at HFCU.

Why Choose an HFCU Auto Loan:

$250 Cash Back for Qualified Vehicle Loans – Learn more about this limited time offer
Rates That Keep You Moving Forward – New and used auto loans starting at 4.95% APR* for 60 months
Delayed First Payment Options – Decide when to make your first payment*
Refinancing Options – Lower your rate and potentially reduce your payment
Expanded Vehicle Eligibility – Financing available for higher mileage vehicles
Flexible Terms – Designed to fit your budget and lifestyle
Fast Pre-Approval – Shop with confidence and know your buying power
Member-First Lending – Clear terms with no hidden fees

Whether you're lowering your payment through refinancing or upgrading to a newer vehicle, HFCU gives you the tools to drive away with more savings and greater peace of mind.

Hit the road with confidence this summer with an HFCU Auto Loan.

eVIP Check & Protection Products – Purchasing Power and Protection for Your Automobile
Take your buying power to the next level with HFCU’s eVIP (electronic vehicle instant purchase) check! You will be pre-approved up to a set amount, so you can shop like a cash buyer, negotiate with confidence, and skip the pressure of dealership financing. Just print your check and use it when you're ready.¹

Want to protect your new ride? 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

Take advantage of this great deal, and 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.

Apply for an Auto 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 July 1, 2026 through July 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.

¹eVIP 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.