Current Model Auto Loans
0 - 2 Years Old with fewer than 36,000 miles
Rates as low as
4.34 % APR 1
Auto Loans
Auto financing for new and used vehicles in Texas
Finance a new or used vehicle, or refinance your current auto loan, and make no payment for 90 days.* With flexible terms and rates as low as 4.34% APR.¹
Auto Loan Details
Best For
Financing a new or used vehicle or refinancing an existing auto loan.
Loan Amount
Loan amount is based on your financing needs and approved application.
Rates
Fixed rates based on vehicle model year, mileage and applicable loan qualifications.
View current auto loan ratesTerms
36 – 90 months
Current Auto Loan Rates
Compare our current auto loan rates based on your vehicle's model year and mileage.
Late Model Auto Loans
3 - 6 years old or newer with more than 36,000 miles
Rates as low as
4.59% APR 1
Older Auto Loans
7+ Years Old
Rates as low as
4.99%APR 1
Refinance Your Auto Loan
Have an auto loan with another lender? Explore refinancing with Neighborhood Credit Union in Texas. If approved, you can review your available rate and repayment terms to see how they compare with your current loan.
When comparing offers, consider your monthly payment, repayment term, and total interest cost. A longer term may lower your monthly payment while increasing the total interest you pay.
Why Finance with Neighborhood?
Flexible, Fixed-Rate Financing
Choose a loan term that fits your budget with predictable monthly payments and a fixed interest rate.
Personal Service, Digital Convenience
Apply online with the convenience of digital banking and personal support when you need it.
Member-Focused Since 1930
Neighborhood Credit Union is a member-owned, not-for-profit financial cooperative that's been serving members in Texas since 1930.
*90 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.
¹Floor Rates: Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.75% rate discount. 4.34% APR is based on a car loan for a current year to two years old car with less than 36,000 miles and completing all discounts. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), using an "MVP" check (dealer purchased and not a private sale or refinancing) (0.15%), and where the loan amount is less than 90% of the vehicle's value (0.15%). Rates subject to change prior to loan funding. Rates may change after funding should applicant not meet the discount criteria within 60 days. Equal Opportunity Lender.
Shop with an MVP Check
Arrange your financing before visiting the dealership. With the MVP Check Program, you can apply for preapproval and, if approved, receive a check to purchase an eligible vehicle up to your approved limit.
Focus on finding your vehicle and negotiating its price, with financing already arranged.
Program Eligibility
Subject to credit criteria and vehicle eligibility. Available at approved Texas dealers only. Private-party purchases are excluded. See program details for additional restrictions.
Explore GAP Protection
If your vehicle is declared a total loss, your insurance settlement may be less than what you still owe on your loan. Guaranteed Asset Protection (GAP) can help cover the difference.
GAP may also provide $1,000 toward your next vehicle purchase following a covered total loss.†
Member Savings
$5,970
Average savings experienced by members who used GAP protection in 2025.†
Refer a Friend. Earn $200 Cash
Refer a friend for an auto loan and receive $200 once their loan is funded.³
Explore the Referral ProgramFinancing Something Other Than a Car?
Neighborhood Credit Union also offers financing for RVs, motorcycles, boats and other recreational vehicles.
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.
³Referral: 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.
Our auto loan application process is simple and secure!
STEP 1
Apply Online
Start by entering your personal information and financial details into our online portal.
STEP 2
Quick Review
We'll check you're eligible and, if approved, offer you a loan amount and rate for your chosen term.
STEP 3
Finalize Financing
With financing ready, you can go shopping and we'll help you complete your purchase.
| Loan Terms | Interest Rate¹ |
|---|---|
| New Model Auto Loan (0-2 years with fewer 36,000 miles) | |
| 54 months or less | As low as 4.34% APR |
| 72 months | As low as 4.59% APR |
| Later Model Auto Loan (3-6 years or newer with more than 36,000 miles) | |
| 54 months or less | As low as 4.59% APR |
| 72 months | As low as 4.59% APR |
| Older Auto Loan (7 + years) | |
| 54 months or less | As low as 4.99% APR |
| 72 months | As low as 4.34% APR |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.74% APR |
| 95 months | As low as 6.99% APR |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 6.24% APR |
| 72 months | As low as 5.49% APR |
Auto Loan FAQs
The amount you can borrow may depend on your income and financial goals.
You can use our auto loan payment calculator to find out the ideal vehicle purchase price for your budget.
Yes, we offer auto loan refinancing so you can change your loan term, see if you qualify for a better APR, and enjoy all the other benefits of Neighborhood Credit Union membership.
The annual percentage rate (APR) you get is based on your credit score, debt-to-income (DTI) ratio, and the loan term you choose.
- Higher scores get the lowest rates.
- Shorter terms get lower rates than longer terms.
Your loan term impacts your auto loan payment so you should choose the best term to achieve your goals.
- Shorter terms give you a lower APR but a higher monthly payment, so you're debt-free faster.
- Longer terms give you a higher APR but a lower monthly payment, so your payments are more affordable.
No, there are no penalties or fees if you pay your loan off early! Just make sure you include any unpaid fees and costs, unpaid interest, and your remaining principal in the final total so you're all clear.
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