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Our low rates charge your wallet, while you charge your car!
Charge into the future with an electric vehicle-and let us help you get there faster with an HFCU Auto Loan built for the road ahead. With low rates, flexible terms, and fast approvals, our financing makes it easier than ever to plug in and save! Learn more about auto loans at HFCU and start your journey today!
HFCU has new and used auto loan rates starting as low as 4.50% APR*! Check out our current auto loan rates. We also have flexible terms and first payment date options available*.
Go green and save green! The process of purchasing your new or used vehicle is quick and easy 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
Protect your investment! HFCU’s Protection Products help you extend the life of your vehicle, and save on costly repairs. This includes 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 (346) 476-5145, 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.
*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, 2025, through May 31, 2025. 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 $19.01 per $1,000 borrowed at 5.30% 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.
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.