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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270

Auto Loans

Drive off with the car of your dreams with 1% off your qualified rate and up to 120 days of no payments with our new auto loan promotion!*

Make No Payments for 120 Days²

Neighborhood Credit Union auto loan rates in the Dallas and surrounding DFW area start as low as 6.49% annual percentage rate on new and used vehicles.1 And with loan terms up to 72 months, driving your dream car off the lot can become a reality. Apply for your car loan online today and make no payments for up to 120 days.²


family of three happy in front of their r vBoat & RV Loans

Do you love being outdoors or on the water? With recreational vehicle loan interest rates starting as low as 7.49% APR¹, we can finance your motor homes, travel trailers, motorcycle, boats, jet skis and more.

New & Used Auto and Motorcycle Loan Rates

¹Rates Effective: October 2, 2023 . All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Loan Terms Interest Rate
Auto/Motorcycle Purchase or Refinance
60 months or less As low as 6.49% APR
72 months As low as 6.99% APR
Other Vehicle Loans or Refinance (RV & Boat)
60 months or less As low as 7.49% APR
72 months As low as 7.99% APR

²Must be 18 years or older. Credit qualifications and application required. Rates subject to change. To be eligible for up to 120 Days No Payments applicant must have a credit score of 700 or above. Up to 120 days no payments based on credit qualification. 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. 
*Must be 18 years or older and must become a member of Neighborhood Credit Union. Rates are accurate as of October 2, 2023 and are subject to change without notice. Rates bases on credit application and approval.

Apply Online

Apply for a loan online in under 10 minutes.

Auto Loan Calculator

What are you looking to finance?
How's your credit?
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.
Estimated Monthly Payment
Estimated APR¹
Terms in Months

Apply Now
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.

Refer a Friend, Earn up to $200 Cash

Through our Member Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200.00 and $100.00 for a Personal loan!

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 $4,667 in 2020. Ask your Loan Officer or request more information. Protection pays off!

†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.

Take a check to the dealership with our MVP Program! Apply for an auto loan online or by phone at 214.748.9393 ex. 2601

What would you like to do next? 

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More About Neighborhood Credit Union

Neighborhood Credit Union is the oldest credit union in Dallas, TX and now has several branches around the DFW Metroplex. We provide auto loan financing for new and used cars, auto refinancing, and recreational vehicle loans for motorcycles, boats, RVs and more. As a full-service digital financial institution, Neighborhood Credit Union offers free online banking accounts, online savings accounts, competitive CD rates, and even a high yield savings account - all accessible through Online Banking or the MyNCU Mobile App available on iOS or Android