Auto Loans

Everyone needs reliable transportation. At Credit Union of Texas, you can rely on our trustworthy lenders to help you finance a vehicle that gets you everywhere you need to go, with a low rate and quick application process.

The Best Auto Loan Rates

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Truck & Car Loans Made Easy

Whether you're buying a new or pre-owned vehicle, our speedy car loan application process is designed for fast vehicle financing and getting you on the road as soon as possible. We're an ideal alternative to auto financing through dealers because our total experience is focused on you, your budget, and your lifestyle.

  • Enjoy no payments for up to 90 days!1
  • Competitive, low auto financing rates for new and used or refinanced vehicles 
  • Fast, easy, secure credit union car loan application that gives you an immediate decision
  • Easily manage your account online and with our mobile app
  • CUTX offers an Auto Protection Program2 including GAP, VSC, CVP and Payment Protection options
  • Use our Car Buying Service to search for your next new or used vehicle and lock in a great price

Apply Now

Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST

Talk to a Credit Union Car Loan Specialist

Schedule an appointment

Get a personalized car financing consultation.

CUTX Auto Financing Benefits Include

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Low Auto Loan Rates

Keep the excitement of your new vehicle high by locking in a loan rate that's low, with flexible terms to fit your finances.

Immediate Decision

Work with a local, trusted partner to apply online right now, complete the process and receive an answer in less than three minutes.

New Vehicle Search

It's easy to find the car, truck or SUV you want using our online tool. And you can lock in a great price for it.

Auto Protection Program2

Protect yourself, your investment and your family with a comprehensive vehicle protection plan1 tailored to your needs.

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Great Experience

Start and complete your process online from the comfort of home. You can be certain we'll treat you like the friend and neighbor you are.

Digital Document Delivery

Take your Credit Union auto financing from approved to funded, all in the comfort of your own home.

You deserve the best new or used car auto financing loan

Choose CUTX as your auto loan credit union

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A woman holding a car key with her head and arm sticking out of the driver's side window of a car.

Crunch the numbers and find out what to expect

Auto Payment Calculator

A picture looking in through a car's front driver side window at a man smiling and driving with a woman smiling in the passenger side front seat.

Compare Auto Loan Options

Learn More

General Credit Union Auto Loan FAQs

We offer several options to make it as convenient as possible for you.

  1. If you are a CUTX member, log into online banking and make a payment with a funds transfer
  2. If you're not a member, use your financial institution to pay via Bill Pay
  3. Set up AUTO PAY, Save the hassle of making your future payments
  4. Use our Car Buying Service to search for your next new or used vehicle and lock in a great price   
  5. Make a payment through the payment system
  6. Call 972-263-9497 and choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  7. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1

When you're pre-approved before you shop, you know exactly how large a monthly payment you qualify for. This helps you narrow your search to cars you can afford. It also puts you in a better negotiating position with dealers who might otherwise craft a deal that would create a financial problem for you. Lenders who are not dealers don’t have cars to sell, and therefore tend to make loans that aren't risky for you.
That all depends on your financial situation and how and when you want to pay off your loan. A general rule of thumb is the longer your term, the lower your monthly payments can be. 
Auto loans can often be approved in only a few minutes, especially if you call or apply online. If you want to work directly with a person, you can always stop by a Credit Union of Texas location.

You can click here and provide the declaration page provided by your insurance company that shows Credit Union of Texas listed as lienholder. Keep in mind, a copy of your insurance card is not acceptable for this documentation.

If you'd rather send us your proof of insurance by mail or fax, please use this address or number:

PO Box 690588
San Antonio, TX 78269
Fax: 866-830-7922

(This address is for providing proof of insurance only. Please do not send your loan payments to this address.)

If you have other questions, call us at 866-382-0069.


Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.
Never a issue always friendly and as you walk in the gentleman at the door greets you with awesome customer service. Always on point.
Mr. C.

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Apply online now or get started if you need assistance with your application.

1Interest will accrue during the deferment period. To be eligible for the no payment for 90 days, applicant must have FICO score of 680 or above. Offer valid for new purchase auto loans and auto loan refinances. Offer excludes all loans already financed at CUTX. Additional terms and conditions apply. This is not a commitment to lend. Membership required.

2Guaranteed Asset Protection (GAP) can be purchased when originating or refinancing an auto loan with Credit Union of Texas (CUTX). CUTX Vehicle Service Contracts (VSC) can be added if the vehicle is under a valid manufacturer’s warranty and is financed through CUTX. Auto Protection Program offered through our third-party affiliate. Additional terms and conditions may apply.