Auto Loans
Drive Your Way with an Auto Loan That Works for You
Flexible terms, fast approvals, and rates as low as 3.99% APR. Plus, exclusive perks like our MVP Check and GAP Protection.
Competitively Low, Fixed Rates
Choose a term of 36 to 72 months and get a fixed rate as low as 3.99% APR for new auto loans and 4.49% APR for used auto loans so you can always see the road ahead.‡
Shop Smart with Car Finder
Search your new car, calculate your payment, sell your old car, and more with Car Finder
No Payments for up to 90 Days
Get on top of your finances and enjoy your car with no payments due for the first 90 days of your loan!¹
Details about our Auto Loans
| Best For | People who want an affordable low rate auto loan to buy their next vehicle |
| Amount | Minimum of $10,000 and up to 100% of MSRP |
| Interest Rate |
As low as 3.99% APR for new and 4.49% APR for used autos.‡ View all rates here.
|
| Terms | 36 to 72 months |
¹ Lowest 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.
Refer a Friend, Earn $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!²
Boat, RV, & Motorcycle Loans
Do you love being outdoors or on the water? Find out what Texas 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 $5,895.64 in 2024.† Ask your Loan Officer or request more information. Protection pays off!
Pay Your Loan Anytime, Anywhere
Secure, Convenient Payments with Our Self-Service CenterWhy choose Neighborhood Credit Union?
We value all the members of our community here in Texas, and that's why Neighborhood Credit Union wants everyone to have access to an affordable auto loan.
As a not-for-profit organization, we can offer you competitive rates and fewer fees. Just stop by your preferred branch around the DFW Metroplex and find out how we can help!
You can get a free online banking account and easily manage your auto loan through Online Banking or the MyNCU Mobile App on iOS or Android.
Neighborhood Credit Union is proud to be a full-service digital financial institution.
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
Buy a Vehicle
With financing ready, you can go shopping and we'll help you complete your purchase.
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 3.99% APR‡ |
| 72 months | As low as 4.49% APR‡ |
| Used Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 4.74% APR‡ |
| Auto Loan Refinancing | |
| 54 months or less | As low as 4.64% APR‡ |
| 72 months | As low as 5.14% 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‡ |
‡Lowest 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).
FAQs about Dallas Credit Union Auto Loans
You can buy a new or used vehicle starting at a purchase price of $10,000 and up to 100% MSRP. 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.
¹90 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.
²Referral: 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.
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.