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

A smiling couple in the front sear of a car with the key in the driver's hand

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 financing2 through dealers because our total experience is focused on you, your budget, and your lifestyle.


  • 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

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Questions? We can help.

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



Talk to a Credit Union Car Loan Specialist
972-705-4840




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Get a personalized car financing consultation.



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CUTX Auto Financing Benefits Include

An icon of a car with a percent symbol in front of it

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.

Fast 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 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.

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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 (214) 818-3231 or (800) 627-0006 ($18 Service Fee is applied to phone payments)


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 (214) 818-3231 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:

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.

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



1Subject to credit approval

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 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. Not all vehicles are eligible for coverage.