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Neighborhood Credit Union
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Routing #311079270

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MVP Check Program

Save time in your car purchase journey and take your check straight to the dealership!

Make your trip to the dealership a breeze with our MVP program!

Apply for your Neighborhood Credit Union auto loan before you go shopping and you'll be pre-approved up to a certain limit. Then, we'll provide you with an MVP check that can be used for any amount up to that limit.1 Sign the MVP check and drive away. There are no hidden fees for this service, and you'll enjoy the same excellent low rates.

With an MVP check, there is no need to discuss financing through the dealership. Your MVP check grants you the advantages of a cash buyer, allowing you to focus the conversation on the true invoice price and negotiate the best deal.

Apply Now

The Process

  1. Get pre-approved for dollar amount of expected vehicle purchase.
  2. Once approved:
    • We can mail the check do you directly
    • You can pick up an actual MVP check at the North Dallas location
    • Or we can email the eMVP check to your email to be printed at home, work, dealership, or other convenient location.
  3. You will receive the following: MVP Check, Truth in Lending Disclosures and Dealer Instructions.
    1. MVP check is a regular check, the eMVP can be printed on regular check stock. No special printing stock required.
    2. The Truth in Lending disclosures is for the member only to keep for their records.
    3. The Dealer Instructions will be given to the dealer with the fully filled out check once a vehicle is purchased.
  1. With the approved check about, you can negotiate the price of the vehicle with the dealership.
  2. The dealer will then deposit the check in their bank.
  3. We will contact you once the check clears to finalize the loan. (If you have had the vehicle for more than a week without contact from us it is advised to reach out to us directly so we can contact the dealership.)
  4. Once a Neighborhood Credit Union loan officer goes over the terms of your loan, you will receive the final loan documents needed for signature via DocuSign.
  5. Loan will be funded, and you can begin to make scheduled payments!

1MVP program is subject to certain credit criteria. Available at approved dealers only in Texas. May be used for the purchase of a new or used automobiles, trucks, SUVs, boat or recreational vehicles. May not be used for sales between private parties or to purchase salvage, rebuilt, flood damaged or bonded titles. Other restrictions may apply. See Credit Union for additional terms and conditions.

Why Choose Neighborhood Credit Union

Apply Online in Under 10 Minutes
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Flexible Term Lengths 
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Always Better Rates than Big Banks
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Take a Check with You to the Dealer

Make No Payments for 90 Days¹

Neighborhood Credit Union offers competitively low auto loan rates for those living in the state of Texas. 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.

¹Must 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.

Send Money with Zelle®
Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to an account, and all you need is the recipient's email or U.S. cell number. 
Mobile Wallet
Use your Neighborhood CU debit and credit cards to pay digitally on your devices with Apple Pay, Samsung Pay, Google Pay, and more.

GreenPath Financial Wellness
With free access to money management and financial education services, GreenPath is a non-profit that partners with you to achieve your financial goals.
Surcharge-Free ATMs
The MoneyPass and Allpoint ATM Networks allows our members the ability to withdraw cash at over 90,000 ATMs nationwide without a surcharge fee.

Courtesy Pay
Protect your checking account with overdraft protection! Opt-in for the Courtesy Pay privilege for ATM and debit transactions.

Set Up Direct Deposit
Neighborhood CU makes it easy to switch banks. Easily, quickly, and securely set up your direct deposit and automatic payments in one single step.

Explore Neighborhood Credit Union Products
From banking to borrowing, we have everything you need
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Apply Online

Apply for a loan online in under 10 minutes! 


  1. Total amount not to exceed the "Approved Limit" amount shown on the face of the MVP check.
  2. Name(s) on the title MUST be the same as the name(s) printed on the MVP check.
  3. Dealer must contact the Credit Union if the vehicle is greater than 8 model years or has greater than 100k miles for NCU approval.
  4. Salvage, rebuilt, flood damage vehicle, or bonded titles are not accepted.
  5. Dealer and Borrower(s) must sign and endorse the MVP check.
  6. Send a copy of the Check, Purchase Order, Value, and Insurance to or fax to  972-629-7889.
  1. 120% LTV including tax, title, and license fees.
  2. Total amount not to exceed the LTV Limit of MSRP for New or NADA Retail for Used vehicles.
  3. Mileage Limitation = 100k
  4. Special instructions would be listed if any

Neighborhood Credit Union

Texas ELT Number 75022467000

2616 W White Street

Anna TX 75409


Fax: 214-442-5406

Who We Are 

As an active part of the community for 93 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, Ellis, and Tarrant counties. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of over 60,000. For more information, call (214) 748-9393 or visit our homepage