Shift into a Better Rate 🚗💨

New and Used Auto Rates as Low as 4.25% APR*

September brings a fresh start, and that could mean new routines, school drop-offs, college commutes, work commutes, and plenty of miles ahead. Whether you’re purchasing your next vehicle or refinancing the one you already drive, HFCU Auto Loans can help you hit the road with a competitive rate and flexible financing options.

For a limited time, qualified borrowers can also receive a $250 Cash Rebate after making their first full payment. Plus, qualified borrowers may be eligible for a delayed first payment, giving you a little more flexibility as you manage back-to-school expenses and settle into the new season. Learn more about auto loans at HFCU.

Why Choose an HFCU Auto Loan:

$250 Cash Back Bonus on qualified auto loans (after first full payment is made) – Learn more about this limited time offer
Competitive Rates — New and used auto loans starting at 4.25% APR*
Deferred First Payment Options — Qualified borrowers may be eligible to defer their first payment, subject to program terms*
Refinancing Options — Explore options that may help lower your rate or monthly payment, depending on your existing loan and approved terms
Expanded Vehicle Eligibility — Financing available for certain higher-mileage vehicles
Flexible Terms — Choose from available loan terms designed to fit your budget and financing needs
Fast Pre-Approval — Shop with confidence and know your buying power

Whether you're purchasing your first vehicle, upgrading the family SUV, or refinancing your current loan, HFCU helps you drive into the school year with confidence—and keep more money where it belongs.

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. Qualified borrowers may receive a pre-approval for up to a specified amount, allowing you to shop with confidence, negotiate with the dealer, and avoid relying solely on dealership financing. Once approved, you can use your eVIP check for an eligible vehicle purchase, subject to program terms and restrictions.¹

Want to protect your new ride? HFCU’s Protection Products help keep unexpected costs from slowing you down. Options include Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection. Coverage, eligibility, exclusions, limitations, and terms vary by product.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 are subject to credit approval. Rates for approved loans are based on the applicant's creditworthiness and other factors. Advertised rates as low as 4.25% APR are available to well-qualified applicants and may vary based on credit history, loan term, loan-to-value (LTV), down payment, vehicle type, and other applicable factors. Current rates are effective September 1, 2026 through September 30, 2026, and are subject to change without notice. Terms and conditions apply. Loan terms of 72-84 months require a minimum loan amount of $20,000. For deferred-payment loans, interest accrues from the date of disbursement through the deferral period. Deferred-payment options are subject to eligibility and program terms. Membership eligibility is required. A $5 minimum deposit is required to establish membership savings. Other restrictions may apply. HFCU is an Equal Credit Opportunity Lender.

¹ eVIP: eVIP is subject to credit criteria and program requirements. Available at participating dealerships within the greater Houston, TX and Greenville, SC areas. The eVIP check may be used for the purchase of eligible new or used automobiles, trucks, or SUVs. It may not be used for sales between private parties or to purchase reconditioned, salvaged, or auctioned vehicles. Other restrictions and terms may apply. See HFCU for complete program details.

² Optional Protection Products: Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection are optional products and are not required to obtain an auto loan. Availability, eligibility, coverage, exclusions, limitations, and terms vary by product. See HFCU for complete terms and conditions.