Start 2025 with affordable financing on your new or used auto loan! HFCU’s new and used auto loans rates start as low as 4.50% APR*! Flexible terms and first payment date options are available!*

Did you recently finance through the dealership or another lender? HFCU could save you more money and help you refinance at a lower rate on your new or used vehicle!

When you are ready to purchase, save time with HFCU’s eVIP (electronic vehicle instant purchase) check! Get pre-approved, receive and electronic check through email, and print when you are ready to negotiate the best price for your vehicle at the dealership.¹

The savings don’t stop there! Protect your investment and save on costly repairs by extending the life of your vehicle with our very competitive Protection Products², which include Vehicle Service Contract, GAP Plus, Debt Cancellation Protection, and Tire, Wheel, Windshield, and Dent & Door Protection.²

Apply for your auto loan today! Start your application by clicking the link below, by calling us at 281-243-0500. Our Electronic Lending Team hours are Monday-Friday 9:00 a.m.-5:00 p.m. CT and Saturday 9:00 a.m.-2:00 p.m. CT.

Apply 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 January 1, 2025 through January 31, 2025. 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 $19.01 per $1,000 borrowed at 5.30% APR. Used autos: 60 monthly payments of approximately $19.24 per $1,000 borrowed at 5.80% 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.

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/Vehicle Service Contract/Multi-Shield Protection: See Credit Union for terms and conditions.