Current Model Auto Loans
0-2 years old with fewer than 36,000 miles
Rates as low as
4.34 % APR 1
Auto & Vehicle Loans
Competitive rates for your next car or adventure.
Explore new and used auto loans, refinancing, and financing for RVs, boats, and motorcycles with Neighborhood Credit Union in Texas. Apply online with guidance from our lending team.
Drive Now. Pay in 2027.
No auto loan payments for 90 days.* Rates as low as 4.34% APR.¹
Current Auto Loan Rates
Late Model Auto Loans
3–6 years old, or newer with more than 36,000 miles
Rates as low as
4.59% APR 1
Older Auto Loans
7+ Years Old
Rates as low as
4.99%APR 1
Looking to refinance? Apply to refinance a loan from another lender and explore your available rate and repayment options.
*90 Days No Payments: 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 90 Days No Payments based on credit qualification.
¹Floor Rates: Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Lowest advertised rate dependent on excellent credit and reflects the maximum 0.75% rate discount. 4.34% APR is based on a car loan for a current year to two years old car with less than 36,000 miles and completing all discounts. Lowest loan rate is available by qualifying for applicable discounts. Eligible discounts include having an established direct deposit totaling $500 or more with a checking account (0.30%), setting up automatic payments (Auto Pay) (0.15%), using an "MVP" check (dealer purchased and not a private sale or refinancing) (0.15%), and where the loan amount is less than 90% of the vehicle's value (0.15%). Rates subject to change prior to loan funding. Rates may change after funding should applicant not meet the discount criteria within 60 days. Equal Opportunity Lender.
RV, Boat & Motorcycle Loans
Boat Loans
Motorcycle Loans
Shop with an MVP Check
Arrange your financing before visiting the dealership. With the MVP Check Program, you can apply for preapproval and, if approved, receive a check to purchase an eligible vehicle up to your approved limit.
Focus on finding your vehicle and negotiating its price, with financing already arranged.
Program Eligibility
Subject to credit criteria and vehicle eligibility. Available at approved Texas dealers only. Private-party purchases are excluded. See program details for additional restrictions.
Explore GAP Protection
If your vehicle is declared a total loss, your insurance settlement may be less than what you still owe on your loan. Guaranteed Asset Protection (GAP) can help cover the difference.
GAP may also provide $1,000 toward your next vehicle purchase following a covered total loss.†
Member Savings
$5,970
Average savings experienced by members who used GAP protection in 2025.†
Refer a Friend. Earn $200 Cash
Refer a friend for an auto loan and receive $200 once their loan is funded.³
Explore the Referral Program†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.
³Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Offer subject to change without notice. Additional restrictions may apply.
| Loan Terms | Interest Rate¹ |
|---|---|
| New Model Auto Loan (0-2 years with fewer 36,000 miles) | |
| 54 months or less | As low as 4.34% APR |
| 72 months | As low as 4.59% APR |
| Later Model Auto Loan (3-6 years or newer with more than 36,000 miles) | |
| 54 months or less | As low as 4.59% APR |
| 72 months | As low as 4.59% APR |
| Older Auto Loan (7 + years) | |
| 54 months or less | As low as 4.99% APR |
| 72 months | As low as 4.34% APR |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.74% APR |
| 95 months | As low as 6.99% APR |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 6.24% APR |
| 72 months | As low as 5.49% APR |
★★★★★
"I worked with Arlena & Veronica for my car loan...I didn't have to move a finger! They made the phone calls to the dealership, negotiated the price on my car and my new vehicle is in the driveway! The service was so great that now my husband is working with them to get his new car. If you want great customer service and a stress-free loan process, then I suggest you request Arlena & Veronica from Neighborhood CU! I am one happy customer!!!"
– Nicole U.
Our Vehicle Application Process is Secure and Simple!
STEP 1
Apply Online
Complete your application for a vehicle purchase or auto loan refinance.
STEP 2
Agree on Terms
If approved, review your available loan amount, rate, and repayment terms with our lending team.
STEP 3
Finalize Your Financing
Work with our lending team to complete the required documents and finalize your purchase or refinance.
Frequently Asked Questions
Neighborhood Credit Union offers financing for new and used cars, RVs, boats, and motorcycles. Auto loan refinancing is also available.
Yes. You can apply to refinance an auto loan from another lender with Neighborhood Credit Union. Your rate and repayment terms will depend on your approved application.
Yes. Through the MVP Check Program, you can apply for preapproval before visiting a dealership. If approved, you’ll receive a check to purchase an eligible vehicle up to your approved limit. The program is available at approved Texas dealerships; private-party purchases are excluded.
Yes. Interest begins accruing on the day your auto loan is funded, even though your first payment is deferred. The payment deferral postpones payments; it does not create an interest-free period.
Your rate and available repayment terms depend on your approved application and the vehicle being financed. Eligible rate discounts may also apply.
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