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3-2-1 Auto Loan Promotion At Neighborhood Credit Union

Published September 30, 2022

Starting in October, Neighborhood Credit Union is offering 3 months of no payments, $200 cash bonus, and 1% off your qualified rate to those who finance a new or used auto loan or refinance an existing auto loan from another financial institution. 

Enjoy three different promotions in one, must use promo code 321 when applying. 

Make No Payments Until 2023

Once approved, you can sit back, relax, and enjoy no payments for up to 3 months.2 With this extended time of no payments, you can prepare for holiday shopping or use the opportunity to better your saving habits! Enjoy no payments for the rest of the year.

Cash Bonus of $200

Once approved, you can expect a deposit of $200 into your Prize Savings account within 30 days of the loan being funded. 

1% off Your Qualified Rate

Not only will you enjoy up to 3 months of no payments and a $200 cash bonus, but you can also get 1% off your qualified auto loan rate. With the 1% off you can enjoy rates as low as 5.74% APR. 

Auto Loan Rates at Neighborhood Credit Union

Currently, Neighborhood Credit Union offers auto loan rates as low as 5.74% APR on new and used vehicles. We even offer loan terms up to 72 months!3

  • 60 months or Less: as low as 5.74APR
  • 72 months: as low as 5.99APR

Apply for an Auto Loan Online

Apply for a vehicle loan at Neighborhood Credit Union from wherever you are in less than 10 minutes on your laptop, tablet, or phone. If you would rather talk to a loan officer by phone, you can dial 214-748-9393 extension 2601.  


Must be 18 years or older and must become a new member of Neighborhood Credit Union. Rates are accurate as of November 15, 2022 and are subject to change without notice. Rates based on credit application and approval.

1 Offer limited to new or used car loans financed through Neighborhood Credit Union or to the refinance of auto loans from other lenders. Current members and auto loans currently with Neighborhood Credit Union are not eligible for offer. Must use promo code 321 at time of application. Minimum financed loan amount of $10,000 is required. Eligible approved applicants will receive; (a) Up to 90 days no payments. Interest begins accruing the day the loan is funded. Up to 90 Days No Payments based on credit qualification, (b) $200 cash back which will be deposited into the membership establishing savings account within 30 days of loan funding, and (c) 1.00% off their qualified rate (final rate cannot be lower than 4.49% APR or lowest advertised car loan rate by Credit Union.) 4.49% APR based on excellent credit. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Offer expires 12/31/2022 at midnight. Offer cannot be combined with any other offer. Monthly payment example: for a $20,000 auto loan with a term of 60 months at 4.49% APR, the monthly estimated payment is $372.77. 

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.
3 November 15, 2022 All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit.

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Who We Are 

As an active part of the community for 92 years, Neighborhood Credit Union is a not-for-profit financial organization serving the state of Texas with branch locations in Collin, Dallas, Denton, and Ellis counties, as well as the city of Arlington. With assets topping $1 billion, Neighborhood Credit Union has a continuously growing membership of 60,000. For more information, call (214) 748-9393 or visit our homepage