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Auto Rates as Low as 1.99% APR at Neighborhood Credit Union

Published March 31, 2021  

Right now, Neighborhood Credit Union offers some of the lowest loan rates in the North Texas area. Enjoy auto loan rates as low as 1.99% APR1 when you apply for a new auto loan or refinance your current vehicle. 

Even if you feel your credit score isn’t as good as it could be, Neighborhood Credit Union’s auto loan rates may still beat what the big banks are offering you. As not-for-profit companies, credit unions are here to help their communities. 

Apply Online for a New Car Purchase or Auto Refinance 

Our loan department is fully digital and ready to help. Apply for your auto loan online from the comfort of wherever you are in less than 10 minutes! If you’d rather talk to a loan officer by phone, you can dial 214-748-9393 extension 2601.    

$100 Cash Bonus or 1.00% of Your Qualified Rate

Now Until April 30, 2021, choose $100 cash or 1.00% off your qualified rate when you finance or refinance your non-Neighborhood Credit Union auto loan with us.2 If you choose $100 cash, we’ll deposit the bonus into your savings account within 30 days of the loan being funded.   

Make No Payments Until 2021 

Not only can you get an auto loan rate as low as 1.99% APR at Neighborhood Credit Union, but we also offer up to 120 days of no payments!3 Enjoy up to four full months of no payments on your auto loan. Summer is quickly approaching, and with 120 days of no auto loan payments, now is the perfect time to start saving for vacations, DIY projects, home improvements, and so much more.   

Apply today, and drive into spring with low auto rates.

Current Neighborhood Credit Union Auto Rates 

Rates Effective: March 22, 2021. All rates quoted are Annual Percentage Rates (APR). Rates subject to change. With approved credit. Rates listed below are for both new and used vehicles.   
Loan Term Interest Rate
Auto Purchase or Refinance
60 months or less  As low as 1.99% APR 
72 months  As low as 2.65% APR 

Happy parents and their small kids going on road trip in convertible car.

1APR = Annual Percentage Rate. With approved credit. Rate subject to change. Rates effective as of March 22, 2021 
2 Offer limited to new or used car loans financed through Neighborhood Credit Union or to 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 $10,000 is required. Eligible approved applicants will be offered either 1.00% off their qualified rate (final rate cannot be lower than 1.99% APR) or $100 will be deposited into the membership savings account within 30 days of loan funding. Title fees apply to refinances. Offer subject to change and termination without notice. Other restrictions may apply. Offer valid until April 30, 2021. 
3 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 120 Days No Payments based on credit qualification. Offer valid for a limited time. 

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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