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Neighborhood Credit Union
Routing #311079270
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Routing #311079270
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Routing #311079270
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Best Auto Loans in Texas

Drive Now, Pay Later: Earn up to $500¹ when you finance your vehicle with us and enjoy up to 90 days of no payments!²

Make No Payments for up to 90 Days and Enjoy Rates as Low as 5.99% APR*

Neighborhood Credit Union offers competitively low auto loan rates for the state of Texas. 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 90 days.

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family of three happy in front of their r vBoat & RV Loans as low as 7.49% APR*

Do you love being outdoors or on the water? With a recreational vehicle loan, we can finance your motor homes, travel trailers, motorcycle, boats, jet skis and more.





*Rates Effective: February 8, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.

Term Rate
Auto & Motorcycle
60 months or Less As low as 5.99% APR
72 months As low as 6.25% APR
Other Vehicle Loans (RV & Boat)
60 months or less As low as 7.49% APR
72 months As low as 7.75% APR

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¹Promotion: Must be 18 or older and a member of Neighborhood CU. Credit application and approval required. Offer valid for new, used and the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Minimum financed loan amount of $10,000 is required. Eligible approved applicants with a completed car loan will be awarded as follows: $100 - loan amount up to $20k, $200 - $20,001 to $30k, $300 - $30,001 to $40k, $400 - $40,001 - $50K, and $500 - loans greater than $50k. Cash back earned will be deposited into the membership establishing savings account within 30 days of completed loan. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Cannot be combined with other cash back or rate discount offers. Offer valid for a limited time. Lowest rate based on excellent credit. Rates subject to change including lowest rate advertised. Equal Opportunity Lender. 
 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.

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Apply for a loan online in under 10 minutes.

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 and $100 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 $4,095 in 2023. 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! Explore rates and apply for an auto loan online or by phone at 214.748.9393 ex. 2601

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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