New Auto Loans

Don’t get hung up at the dealer for financing your new car!  Our fast process gets you on the road quicker. Get pre-approved today!1 Enjoy no payments for 90 days!2

The Best New Car Loan Interest Rates in Texas

You're looking for a better borrowing experience. We're here to deliver. We're the professionals who've been trusted by generations of North Texans to finance their new car, truck or SUV. Apply online, visit a branch, schedule an appointment, or request a follow up and see the difference in the service we provide.

  • Enjoy no payments for 90 days! 2
  • Fast, easy, secure application that gives you a fast decision
  • Our Auto Protection Program3 includes GAP, VSC, CVP and Payment Protection options. We offer the same dealership protections without the price mark up! Plus, you choose your coverage level, length, miles and deductible. 
  • 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 a New Car Loan Specialist

Schedule an appointment

Get a personalized new car loan consultation.

Benefits of Financing New Vehicles Include

Low Rates

As your trusted Financial Partner we offer very competitive rates.

Fast Decision

Apply now and get a decision in no time!

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 Program3

Protect yourself, your investment and your family with a comprehensive auto protection program tailored to your needs.

Great Experience

We're driving the same local streets you are, so you can be certain we'll treat you like the friend and neighbor you are.

Digital Document Delivery

Go from approved to funded all from the comfort of your own home.

Hit the highway — your way.

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Auto Payment Calculator

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Compare Auto Loan Options

Learn More

Get a good look at where you are and where you're going next.

Financial Calculators

General Auto Loans 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. Make a payment through the payment system
  4. Call 972-263-9497 and choose option 4 for Member Services ($15 Service Fee is applied to phone payments)
  5. Make an automated payment through Telephone Teller: Call 972-263-9497, choose option 1

CUTX members with a qualified checking account have access to their credit score for free through online and mobile banking. Getting your score will tell you what range of interest rate you can expect. It's also important to protect against a scam some dealers use of telling people their score is too low, and they need to pay a higher interest rate. You can use our calculator to figure out what kind of auto rate you may qualify for and roughly what your monthly payment might 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 one of our locations.

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. The longer your term, the lower your monthly payments will be. But when you make payments for more than about five years, you run the risk of owing more than your car is worth. That’s called being “upside down.” Then you may not be able to sell your vehicle until you finish paying off the loan. The average auto loan is 65 months. 

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.


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.
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.

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1 Subject to credit approval. Not a commitment to lend.

2 Interest 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.

3 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 through CUTX. Auto Protection Program offered through our third-party affiliate. Additional terms and conditions may apply. CVP (Complete Vehicle Protection) can be purchased when originating or refinancing an Auto loan with Credit Union of Texas. Certain restrictions and limitations may apply. Not all vehicles are eligible for coverage. Membership required

4 Message and data rates may apply.