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
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.
- Fast, easy, secure application that gives you a fast decision
- Our Auto Protection Program2 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 Service1 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
972-705-4840
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 Program2
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.
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Financial CalculatorsGeneral Auto Loans FAQs
How do I make a payment on my auto loan?3
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
- Make a payment through the payment system
- Call 214-818-3231 ($15 Service Fee is applied to phone payments)
How do I get my credit score?
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.
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.
Why would I get pre-approved for an auto loan?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.
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. 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.
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?
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.
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
Ready to apply?
Apply online now or get started if you need assistance with your application.
1 Subject to credit approval. Not a commitment to lend.
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 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.
3 Message and data rates may apply.