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The Car You Want is Within Reach


Reach for it and apply today! Whether you are buying a new or used vehicle, or looking to refinance your existing auto loan, our auto loan program can help you save money. With competitive rates starting as low as 1.75%APR* and flexible terms up to 84 months, we can tailor your loan to meet your individual needs. So no more wondering if you’ve received the best deal from the dealership.

Save time and hassle before you buy your car with our VIP* (Vehicle Instant Purchase).*

With a VIP check, you can focus on negotiating the best price at the dealership, knowing that you won’t end up with high rate financing when you close the deal. In two easy steps, you could be on your way to driving away in the car you really want while saving money at the same time.

Step 1: Simply apply for your loan before going to the dealership. Upon approval, you will receive a blank check good up to a maximum pre-approved amount for your loan.

Step 2: Negotiate the lowest price possible at the dealership, sign your VIP check, and drive away. No more paperwork, no hidden fees, and you’ll still receive a great low rate from us while getting the best deal on your vehicle!

Apply for Your Auto Loan Today

You can also call us at 281.243.0500, toll-free at 866.OUR.HFCU (687-4328), or stop by one of our convenient locations, and one of our knowledgeable and dedicated representatives can help you drive off in the car you’ve been dreaming about.

*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. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Rates are effective August 1, 2020 through August 31, 2020. Payment Example: 60 monthly payments of approximately $17.64 per $1,000 borrowed at 2.25% APR. 72-84 month financing requires a minimum $20,000 loan amount. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5.
**VIP 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. See Credit Union for additional terms and conditions.