New & Used Autos

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

Many sites, like Annual Credit Report, and Nerd Wallet offer free credit scores. 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 calculators to figure out what kind of auto rate you may qualify for and roughly what your monthly payment might be.

All you need to do is go to various lenders’ websites and enter your information. They'll do an instant credit check and give you an idea of what kind of interest rate they can offer. Even a 2% rate difference can mean thousands of dollars in long-term costs, so getting a low rate is important.

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. 

First, you'll need to make sure your credit score and overall finances show that you’re likely to be able to pay the loan. Likewise, some lenders only lend for a particular network of dealers, and some dealerships only work with a particular network of lenders. Finally, some lenders will not finance certain types of makes and models.

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.