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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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Get up to $500 cash when you purchase a new or used auto loan or refinance your current auto loan from a different lender1 and enjoy no payments for up to 90 days!2

Spring into action with a new or used auto loan! 

Enjoy rates as low as 6.24% when you purchase and finance a new or used auto loan at Neighborhood Credit Union.* Apply now for low rates and take a check to the dealership to complete your purchase!


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

New & Used Auto Loan Rates

*Rates Effective: May 8, 2023. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.
Loan Terms Interest Rate
Auto Purchase or Refinance
60 months or less As low as 6.24% APR
72 months As low as 6.74% APR
Other Vehicle Loans or Refinance (RV, Boat, Motorcycle)
60 months or less As low as 7.24% APR
72 months As low as 7.74% APR

¹Must be 18 years or older and must become a member of Neighborhood Credit Union. Rates are accurate as of 2/27/2023 and are subject to change without notice. Rates bases on credit application and approval. Promotion: Offer limited to new and used auto loans and the refinance of auto loans from other lenders. Auto loans currently with Neighborhood Credit Union are not eligible for offer. Eligible approved applicants with a finalized and funded car loan will be offered $100 cash back for a car loan up to $20k, $200 cash back for a car loan between $20,001 through $30k, $300 cash back for a car loan between $30,001 through $40k, $400 cash back for a car loan between $40,001 and $50k, and $500 cash back for a car loan $50,001 and greater. Cash back earned will be deposited into the membership establishing savings account within 30 days of application request. Title fees apply to refinances. Lowest interest rate advertised is based on excellent credit. Title fees apply to refinances. Offer subject to change and termination without notice. Restrictions apply. Offer ends 07/31/2023 at 11:59pm CT. Equal Opportunity Lender.

²Interest 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.

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Make No Payments for up to 90 Days! 

Neighborhood Credit Union auto loan rates in the Dallas and surrounding DFW area start as low as 6.24% annual percentage rate on new and used vehicles. 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.²

Auto Loan Calculator

What are you looking to finance?
How's your credit?
You are using this tool based on your self-assessment of your credit worthiness. If you submit an application for auto financing, the terms will depend on Neighborhood Credit Union's evaluation of your credit worthiness. The terms of your qualification may vary from the estimates in your self-assessment. You may be declined once Neighborhood Credit Union reviews your credit information.
How much would you like to finance?
The maximum Amount Financed may vary depending on the value of the vehicle you select, and may also be subject to verification of your income. This amount may include the sales price of the vehicle, applicable taxes and fees, and any optional warranty or insurance products, should you choose to purchase them.
Preferred Term Length (months)
Length of time (in months) over which you would like to repay the amount financed.
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational purposes onle. Actual terms will vary. This calculator is not intended to provide legal, investment, or financial advice or to indicate the availability or suitability of any Neighborhood Credit Union product or service to your unique circumstances.
Estimated Monthly Payment
Estimated APR¹
Terms in Months

Apply Now
This is an estimate based on the information you provide and we do not guarantee the accuracy of these results. For informational and hypothetical purposes only. Actual terms will vary and the final annual percentage rate may differ from the annual percentage rate in the above results and are subject to credit approval. This auto loan calculator is not intended to provide legal, investment, or financial advice and does not assure the availability of or your eligibility for any specific product offered by Neighborhood Credit Union. The terms and conditions of products offered by institutions will differ and may affect the results of the auto loan calculator. Please consult with qualified professionals to discuss your situation.
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.

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.

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. 
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.

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.

Explore Neighborhood Credit Union Products

From banking to borrowing, we have everything you need.
Explore Accounts
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Cash Back Checking

Earn cash back rewards with no minimum balance.

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.

Who We Are

Formerly known as Dallas Postal Credit Union, Neighborhood Credit Union opened its doors to its first members in April 1930, just months after the U.S. stock market crashed. During the Great Depression, when Americans’ trust in financial institutions were at their lowest, Dallas Postal Credit Union won that trust and loyalty of its charter members. In 2001, we officially changed our name to Neighborhood Credit Union, a name that more accurately reflects the diverse base of members from all over the Dallas area.

Neighborhood Credit Union now serves the entire state of Texas with over 56,000 members and assets that top $1 billion. Our ongoing effort to offer members convenient services in their communities and mobile access wherever they go has made us a top-rated credit union in the Dallas-Fort Worth area.