MNCU Auto Loan Car Driving Fast

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Auto Loan and Refinance Neighborhood Credit Union Dallas

 

Let us help you find your perfect car

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With auto loan rates starting out as low as 2.85% APR 1 and financing up to 84 months, driving your dream car off the lot can become a reality.

Ask how you can make no payments for 90 days! 2

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Already applied?
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Term Rates as low as
60 months or less 2.85% APR 1
72 months 3.95% APR 1
84 months 4.95% APR 1
 
New & Used Auto Rates

 

Save money on your current loan
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When you refinance through Neighborhood Credit Union, our lending team will work with you to find ways to save you money on your overall loan.

With rates as low as 2.85% APR 1 let us try to beat your current rate! 3

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Already applied?
Check the status of your application

 

Term Rates as low as
60 months or less 2.85% APR 1
72 months 3.95% APR 1
84 months 4.95% APR 1
 
Auto Refinance Rates

Life’s an adventure. Get out & explore!
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Do you love being outdoors or on the water? With recreational vehicle loans starting as low as 3.70% APR 1 and financing between 60 and 180 months, we can finance your motor homes, travel trailers, motorcycle, boats, jet skis and more.

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Already applied?
Check the status of your application

 

Term Rates as low as
60 months or less 3.70% APR 1
72 months 4.80% APR 1
84 months 5.80% APR 1
>84 months 6.50% APR 1
 
Recreational Vehicle Rates

We Have You Covered
Protect your auto investment with our coverage options:
GAP Insurance
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value. 4
Extended Warranty
Additional benefits include: 5
Roadside Assistance
Rental Vehicle Assistance
Tire Road Hazard
Trip Interruption Reimbursement
Dent Guard
Dent Guard offers unlimited paintless dent repairs throughout your term and will reimburse you up to $500 of your primary insurance deductible twice per year. 5
Interested in our coverage options? Ask your Loan Officer or send us a message.

New & Used Auto or Refinancing
Term Rates as low as
60 months or less 2.85% APR 1
72 months 3.95% APR 1
84 months 4.95% APR 1
Other & Recreational
Term Rates as low as
60 months or less 3.70% APR 1
72 months 4.80% APR 1
84 months 5.80% APR 1
>84 months 6.50% APR 1

 

Apply Now

Already applied?
Check the status of your application

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We saved our members over $200,000 last year.
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value.

Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $3,945 in 2016.4 Ask your Loan Officer or request more information. Protection pays off!

Refer a Friend and Earn Cash at Neighborhood Credit Union
Refer a Friend, Earn Cash
Through our Member Referral program, whenever you refer a new or existing member to Neighborhood CU for an Auto or Signature loan, you can receive $50.00 when the loan has been funded!

Interested in other lending products?
Top FAQs
Can I get pre-approved?

Ask us about our MVP check that will give you all the power at the dealership! Pre-approval is as easy as submitting an application online or calling us at 214-748-9393 extension 2601.

How long is an approved interest rate offer valid?

Quoted interest rates are good for 90 days after approval. This gives you time to search for the perfect car!

What is the minimum/maximum loan amount?

There is not a minimum or maximum loan amount. Just let us know the maximum amount you may need for your budget! We will review each individual request to determine the maximum qualification amount.

Am I able to purchase GAP, Dent Guard, or Extended Warranty protection separately?

Members can buy our Extended Warranty and Dent Guard products at any time, even for vehicles financed elsewhere. For GAP, the member must have the vehicle financed here with Neighborhood Credit Union. Dent Guard and Extended Warranty protection are not available for recreational vehicles.

If you would like to purchase a protection product separately, just call the Lending team at 214-748-9393 extension 2601 or send an email.

Auto Loan Basics
How do I apply for an auto loan?

Applying with NCU is easy! Quickly apply online or chat with one of our friendly online Loan servicers if you have questions before applying. You can also give us a call at 214-748-9393 extension 2601. We will be happy to assist you with your car buying experience.

What documentation do I need?

At the time of application, we do not require any documentation. After your 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 is a longer term loan not always better?

The longer the term of the loan the longer it takes for the principal balance to go down. On a 72 month term your payment will be applied mostly to interest, keeping the amount of your loan close to where it started over time. However, a 48 month term’s payments will go more towards the principal of the loan.

This also creates opportunities for the member to trade it in without any negative equity. In many cases, having a shorter term will allow the member to trade in their vehicle and actually get more money for their trade than what they owe.


Contact Lending

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214-748-9393 ex. 2601

Mon – Thur: 8 am – 5 pm
Fri: 8 am – 6 pm
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Have questions? We’ll get back to
you within 24 business hours.
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or locate an ATM.

 

1APR = Annual Percentage Rate. With approved credit. Rate subject to change.

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.

3Neighborhood Credit Union will refinance vehicles with an annual percentage rate as low as 2.85% APR. With approved credit. This offer does not apply to vehicles currently financed through Neighborhood Credit Union.

4Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.

5The Extended Warranty and Dent Guard protection products are not available for recreational vehicles.

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