Automobile Loans
We've got the financial fuel to power your next vehicle purchase.
Our goal is for everyone to drive away happy
From reliable cars to rugged pickups to roomy SUVs, there are hundreds of vehicle types out there. And now electric-powered motors are part of the mix. But when it comes to financing your next ride, there's really only one choice. Our low rates and flexible payment terms hold down monthly payments and our quick loan approvals get you behind the wheel in no time.
If you recently financed a vehicle and feel like you are paying too much, or would like to save money on your current auto loan. We may be able to refinance your loan with a better rate and term that meets your financial needs and helps save you more money over the life of your loan.
- Competitive rates on new and used vehicles
- Repayment terms up to 84 months
- Easy online financing application
- Local loan processing leads to faster approvals
Negotiate the Best Deal on Your Auto Loan with eVIP Check
With an eVIP (electronic vehicle instant purchase) check you can purchase your vehicle with confidence knowing you are getting a great rate from HFCU, and without the headache of financing through the dealership.
- Apply for your HFCU loan before you go shopping. Get pre-approved up to a certain limit and receive a blank check good for any amount up to that limit.
- With an eVIP check*, there's no need to discuss financing with the dealership. 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.
- Sign the eVIP 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.
- Save on costly vehicle repairs with:
- HFCU's Protection Products
- Are You Financing Your First Vehicle? You may qualify for:
- HFCU's First-Time Auto Buyer Program
- Have Your Eye on a Used Vehicle?
- Pre-Purchase Vehicle Inspection
*eVIP 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. Terms and conditions may apply and rates are subject to change without notice. Talk to a loan officer for details at (346) 445-7439 or toll-free at 1-(866) OUR-HFCU (687-4328). Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit in order to become a member and obtain any product or service.
Houston Federal Credit Union is a full-service financial institution serving Greater Houston, Texas, with branches in Sugar Land, Houston, Rosenberg and Missouri City, as well as Greenville, South Carolina.