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.
No detours and no delays. Whether you're buying a new or pre-owned vehicle, our speedy application process is designed to get you fast financing and on the road as soon as possible. We're an ideal alternative to financing through dealers because our total experience is focused on you, your budget and your lifestyle.
- Competitive, low rates for new (as low as 1.99% APR)1 and used or refinanced vehicles (as low as 2.39% APR)
- Fast, easy, secure 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 and Payment Protection options
- Use our Car Buying Service to search for your next new or used vehicle and lock in a great price
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to an Account Specialist
972-263-9497
Get a personalized consultation.
Exclusive Benefits Include
Low 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 program tailored to your needs.
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
Go from approved to funded, all in the comfort of your own home.
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General Auto Loan FAQs
How do I make a payment on my auto loan?
We offer several options to make it as convenient as possible for you.
- If you are a CUTX member, log into online banking and make a payment with a funds transfer
- If you're not a member, use your financial institution to pay via Bill Pay
- Set up AUTO PAY, Save the hassle of making your future payments
- Use our Car Buying Service to search for your next new or used vehicle and lock in a great price
- Make a payment through Speedpay
- Call 972-263-9497 and choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
- Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1
Why would I get pre-approved for an auto loan?
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.
Should my loan term be 24, 36, 48, 60, or 72 months?
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. For $20,000 borrowed for a used auto over 36 months at 2.39% APR, the monthly payment is approximately $576. This example is an estimate only and assumes all payments are made on time.
How long does it take to get an auto loan?
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 one of our locations.
Where do I send proof of insurance?
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:
CUTX
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.
Why CUTX?
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.
We're Here To Help
Visit your local branch
We have several convenient locations in North and East Texas. Come see us!
Ready to apply?
Apply online now or get started if you need assistance with your application.
* APR = Annual Percentage Rate. Rate shown is the lowest rate available, no additional discounts apply, and is accurate as of April 8, 2020. Loans and Rates are subject to credit approval. Rates and terms are subject to change without notice. Offer excludes all loans already financed at CUTX.
1 APR = Annual Percentage Rate. Rate shown is the lowest rate available for up to 24 months on new autos, up to 36 months on used autos, no additional discounts apply, and is accurate as of April 8, 2020. Loans and Rates are subject to credit approval. Rates and terms are subject to change without notice. Additional terms and conditions apply.
2 Guaranteed 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.