HFCU’s first time auto buying program can provide savings you will love, and is available to make your experience quick, easy, and affordable with our new auto loan rates as low as 5.04% APR*, or used auto loan rates as low as 5.54% APR*!

We also have flexible terms and first payment date options available to help you with your first big purchase!* If you have little or no credit history, don’t worry, HFCU’s First Time Auto Buyer program was established to help our members in just these circumstances. The loan application package is reviewed in its entirety, including length of employment and verification of income among other considerations. Loans can be approved that meet these certain terms and conditions.

Some of the qualifications for the First Time Auto Buyers program are:

• Must be 18 years old or older
• Have no previous auto loans
• Have a loan amount of $35,000 or less
• Have held a job 6 months or more with verifiable income
• Provide proof of full coverage insurance
• Ability to repay auto loan

Did you already purchase your vehicle and finance through the dealer or another lender? It’s time to break up with dealer financing, and start saving more money with HFCU! It’s not too late; you will love how easy it is to refinance your used or new auto loan with HFCU to continue saving even more!

The savings don’t stop there! We can provide more potential savings by helping you protect your investment and extend the life of your vehicle with our Protection Products, which include Extended Warranties, GAP Plus, Debt Cancellation Protection; as well as Tire, Wheel, Windshield, and Dent & Door Protection.¹

Apply today, and let us help you save on your auto loan! Start your application by clicking the link below, or calling us at 281-243-0555, or toll-free at 1-(844)-VIP-HFCU (847-4328). Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-7:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT. If you would like to bypass the waiting queue and receive a call back, you do have the option to leave a message and the next available representative will return your call.

Refinance Your Used or New Auto Loan Today!

*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. Current rates are effective November 1, 2024 through November 30, 2024. Other restrictions may apply and rates are subject to change without notice. Talk to a loan officer for details. Loan term for 72-84 months require a $20,000 minimum loan. Payment examples: New autos: 60 monthly payments of approximately $19.12 per $1,000 borrowed at 5.55% APR. Used autos: 60 monthly payments of approximately $19.36 per $1,000 borrowed at 6.05% APR. For deferred payment option, interest accrues during deferral period. HFCU is an equal opportunity lender. Credit Union membership is required before utilizing any product and/or service by establishing a savings account with $5. Must be eligible for membership. Other restrictions may apply.

¹GAP/Extended Warranty/Multi-Shield Protection: See Credit Union for terms and conditions.