The Loan Rangers of Low Rates 🚗🤠

Cowboy smiling in field by his new truck

Fresh rates. Fresh rides. Fresh start this March.

Spring Break isn’t just for vacations—it’s the perfect time for an upgrade. While others are booking flights, savvy shoppers are booking test drives. With low-rate auto loans from HFCU, getting behind the wheel of something new (or new to you) is easier than ever.

We’ve also expanded vehicle eligibility, giving you even more freedom to shop with confidence. Whether you’re eyeing a dependable high-mileage gas vehicle or a diesel ready for long road trips, you now have more options—all with the same great rate on both new and used vehicles. Learn more about auto loans at HFCU.

Why Choose an HFCU Auto Loan:

Low Rates That Go the Distance – New and used auto loans rates as low as 4.95% APR* for 60 months
Expanded Vehicle Eligibility – Financing available for higher mileage vehicles
Flexible Terms – Payment options that fit your budget
Fast Pre-Approval – Know your buying power before you shop
Member-First Lending – Clear terms, no hidden fees
Refinancing Options – You may be able to lower your rate and save even more

If you're ready to upgrade for spring road trips, daily commutes, or family adventures, HFCU gives you the flexibility and rates to make this season a smart move.

Make this your spring upgrade season. Apply for an HFCU auto loan today.

eVIP Check & Protection Products – Pack Peace of Mind
You’re already ahead 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

Want extra protection for the road ahead? 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

Spring forward into savings, and get road trip ready. 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 March 1, 2026 through March 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.

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.