Vehicle Loans

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Automobile Loans

At HFCU, we are committed to being your best choice in financing your next new or used car, truck, or SUV. That’s why we’re pleased to offer auto loans with low rates and flexible terms (up to 84 months) that can keep your payments low. And, when you take advantage of our VIP auto buying service*, you could be behind the wheel of your next car in no time!

Protect your finances and your vehicle with our protection products.

Vehicle Service Contract GAP Plus Debt Cancellation Protection Multi-Shield Protection

Loan Rates Below Effective: April 1, 2024 through April 30, 2024

New Automobile Loan Rates

Term APR** – Fixed Rate as low as
Up to 36 Months 5.14%
37 – 48 Months 5.40%
49 – 60 Months 5.65%
61 – 72 Months 6.14%
73 – 84 Months 6.40%

Loan Rates Below Effective: April 1, 2024 through April 30, 2024

Used Automobile Loan Rates

Term APR** – Fixed Rate as low as
Up to 36 Months 5.44%
37 – 48 Months 5.70%
49 – 60 Months 5.95%
61 – 72 Months 6.44%
73 – 84 Months 6.70%

Experience VIP Service at HFCU!

Simply apply for your loan before you go shopping. You’ll be pre-approved up to a certain limit. Then, we’ll give you a blank check that’s good for any amount up to that limit. Sign the VIP check and drive away – no more paperwork from us! There are no hidden fees for this service, and you’ll receive the same great low rates.

With a VIP check, there is no need to discuss financing through the dealership. Your VIP check gives you the bargaining advantages of a cash buyer, so you can keep the conversation on the true invoice price and negotiate the best deal. Make sure to also take advantage of any dealer and manufacturer rebates available.

So when you’re ready to buy your first or next vehicle, come to Houston Federal Credit Union for your best deal. Our low rates can even save you more money than 0% financing that many dealerships offer. Do your homework first – you’ll probably be better off taking the rebate, negotiating a better price, and financing with Houston Federal Credit Union. For more information, email us or call (844) VIP-HFCU.

*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. Other restrictions may apply. See Credit Union for additional terms and conditions.

**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. Loan terms 72-84 months require a $20,000 minimum loan.

Payment Example: 60 monthly payments of approximately $19.17 per $1,000 borrowed at 5.65% APR.