Start Your Journey
Earn up to $500 cash when you purchase a new or used auto loan or refinance your current auto loan from a different lender!1
Up to $500 Cash Back
Trusted since 1930, we make financing your new or used car simple and affordable. With rates low as 4.49% APR*, flexible terms, and an easy prequalification process, you'll be ready to negotiate with confidence at the dealership.
¹ Promotion: Must be 18 or older and become a member of Neighborhood Credit Union. 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 $15,000 is required. Eligible approved applicants with a completed car loan will be awarded as follows: $250 - loan amount $15k to $30k, $350 - $30,001 to $50k, $500 - $50,001 and greater. Cash back earned will be deposited into the membership establishing savings account within 30 days of completed loan. Title fees apply to refinances. Must use promo code 500 when applying. Offer subject to change and termination without notice. Other restrictions may apply. Cannot be combined with other cash back or rate discount offers. Lowest rate based on excellent credit. Rates subject to change including lowest rate advertised. Offer ends 03/31/2025 at 11:59pm Central Time.
¹Lowest 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 (not applicable to auto loan refinancing). *Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates. Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates.
Why Choose Neighborhood Credit Union?
Apply Online in Under 10 Minutes
Flexible Term Lengths
Always Better Rates than Big Banks
Take a Check with You to the Dealer
Competitively Low New & Used Vehicle Loan Rates
*new
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 Rates
Close
| Loan Terms | Interest Rate |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 5.49% APR‡ |
| Used Auto Purchase | |
| 54 months or less | As low as 4.99% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Auto Loan Refinancing | |
| 54 months or less | As low as 5.14% APR‡ |
| 72 months | As low as 5.74% 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‡ |
¹Lowest 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).
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you live in the state of Texas!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Applying with Neighborhood Credit Union is easy! Quickly apply online or give us a call at 214.748.9393 extension 2601. We will be happy to assist you with your car buying experience.
At the time of application, we do not require any documentation. After your application request is reviewed we may need additional documents such as a copy of your driver’s license, buyer’s order, insurance, proof of income, etc.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
