This Upgrade Just Makes Cents 🚗💰

Receive a great rate, low payment, and $250 Cash Back for financing your auto loan with HFCU.

We are keeping it April fresh with this deal! While others wait, you could be cruising in a better ride with a better rate. With low-rate auto loans from HFCU, upgrading your vehicle isn’t just easy, it’s a smart financial move that leaves those other fools in the dust.

Plus, we’ve expanded our vehicle eligibility, so whether you’re considering a reliable high-mileage gas vehicle or a diesel built for long hauls, you have more choices, with the same competitive rate on both new and used vehicles. 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
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

Whether you're planning spring road trips, upgrading your daily commute, or just ready for something new, HFCU helps you get there, faster and smarter.

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

eVIP Check & Protection Products – No Pressure from the Dealer
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 April 1, 2026 through April 30, 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.