Vehicle Loans
Get a low-interest vehicle loan on new and used cars, RVs, boats, and motorcycles.
See the best that Texas has to offer! Choose the term to suit your goals and enjoy competitive rates when you finance your new vehicle with us, or refinance your existing loan from another lender.
Drive Free for a Year
Secure an auto loan by September 30, 2025 to enter our sweepstakes for a chance to win a full year of free car payments.*
The Best Auto Loans in Texas
¹Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable to auto loan refinancing). *Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates.
¹Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program.
Calculate Car Payment
Estimate what your monthly car payment would look like when financed through Neighborhood CU.
What are you looking to finance?
How's your credit?
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You are using this tool based on your self-assessment of your credit worthiness. If you submit an application for auto financing, the terms will depend on Neighborhood Credit Union's evaluation of your credit worthiness. The terms of your qualification may vary from the estimates in your self-assessment. You may be declined once Neighborhood Credit Union reviews your credit information.
How much would you like to finance?
?
The maximum Amount Financed may vary depending on the value of the vehicle you select, and may also be subject to verification of your income. This amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products, should you choose to purchase them.
Preferred Term Length (months)
?
Length of time (in months) over which you would like to repay the amount financed.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes onle. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational and hypothetical purposes only. Actual terms will vary and the final annual percentage rate may differ from the annual percentage rate in the above results and are subject to credit approval. This auto loan calculator is not intended to provide legal, investment, or financial advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union. The terms and conditions of products offered by institutions will differ and may affect the results of the auto loan calculator. Please consult with qualified professionals to discuss your situation. Eligible discounts not included in calculations.
Secure & Easy Loan Payments
Need to make a loan payment? Visit our Self-Service Payment Center to manage your payments quickly and securely. Click the link below to get started!
Refer a Friend, Earn up to $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200!¹
Boat, RV, & Motorcycle Loans
Do you love being outdoors or on the water? Find out what Dallas has to offer with recreational vehicle loans and competitively low rates, we can finance your motor homes & travel trailers, motorcycles, boats & jet skis, and more.
Get $1,000 towards your next car purchase in the event of a total loss.
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value. Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $5,895 in 2024.† Ask your Loan Officer or request more information. Protection pays off!
Discover the Best Vehicle Loans Dallas, Texas has to Offer with Neighborhood Credit Union
At Neighborhood Credit Union, we're your go-to partner for securing the best vehicle loans in Texas. Whether you're dreaming of hitting the open road in an RV, cruising the lakes in a boat, or enjoying the thrill of a motorcycle ride, our competitive credit union loan rates ensure you find a financing solution that fits your lifestyle and budget.
Competitive Rates and Flexible Terms
Explore our range of auto loan options featuring competitive interest rates and flexible repayment terms. Whether you're considering a new vehicle or opting for a reliable used car, our loans are designed to accommodate diverse financial situations.
Expert Guidance
Our team of financial experts are dedicated to providing personalized guidance throughout your loan journey. From understanding loan terms to crafting a payment plan that works for you, we're committed to empowering you with informed decisions.
Streamlined Application Process
Experience a seamless application process with our easy-to-use online platform. Get pre-approved quickly and securely, allowing you to shop for your vehicle with confidence. We're here to simplify your path to driving away with your ideal car. Choose Neighborhood Credit Union for your Texas auto loan and discover why we're trusted by so many in Dallas. Partner with us today and let's make your vehicle financing experience exceptional.
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Low, Fixed APR
Great rates mean you can easily stay on top of your payments.
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No Payments for up to 90 Days
Apply online and get your Auto loan off to a great start with no initial payments!²
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Choose Your Term
Get the loan term to suit your budget for both new and used vehicles.
Competitively Low New & Used Vehicle Loan Rates
‡Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
View Current rates
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| Loan Terms | Interest Rate |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 5.49% APR‡ |
| Used Auto Purchase | |
| 54 months or less | As low as 4.99% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Auto Loan Refinancing | |
| 54 months or less | As low as 5.14% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.24% APR‡ |
| 95 months | As low as 7.49% APR‡ |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 5.74% APR‡ |
| 72 months | As low as 6.49% APR‡ |
¹Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and the 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing).
★★★★★
"I worked with Arlena & Veronica for my car loan...I didn't have to move a finger! They made the phone calls to the dealership, negotiated the price on my car and my new vehicle is in the driveway! The service was so great that now my husband is working with them to get his new car. If you want great customer service and a stress-free loan process, then I suggest you request Arlena & Veronica from Neighborhood CU! I am one happy customer!!!"
– Nicole U.
Our Vehicle Application Process is Secure and Simple!
STEP 1
Apply Online
Complete our easy online application and we'll quickly let you know if you're approved.
STEP 2
Agree on Terms
We'll agree on the ideal loan amount and term for you, and offer you a competitive rate.
STEP 3
Find Your Vehicle!
With your financing secured, you can shop for your new vehicle or pay off your previous loan.
¹Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Offer subject to change without notice. Additional restrictions may apply.
²90 Days No Payments: Interest begins accruing the day the loan is funded. Offer valid for a limited time only. Does not apply to vehicles currently financed through Neighborhood Credit Union. Up to 90 Days No Payments based on credit qualification.
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.