Drive Free for a Year
Secure an auto loan by June 30th, 2025 to enter our sweepstakes for a chance to win a full year of free car payments.¹
Use promo code WIN when applying.
10 Lucky Winners Get One Year of Free Car Payments!
Not only do we offer competitive, low auto loan rates, but we're also launching an exclusive sweepstakes! Until June 30th, 2025 when you secure an auto loan with Neighborhood Credit Union, you'll automatically enter for a chance to be one of 10 lucky winners who will have their car payments covered for a full year. Enjoy flexible loan terms that fit your budget and the trusted, local service you deserve.
Use promo code WIN when applying.
¹ Must be 18 or older and a member of Neighborhood Credit Union for prize fulfillment. Credit application and approval required. Vehicles currently financed with Neighborhood Credit Union not eligible for offer. Must use promo code WIN when applying. Restrictions apply. Official Rules, Terms and Conditions. Promotion ends 06/30/2025.
²Lowest advertised rate reflects the maximum 0.50% rate discount. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable to auto loan refinancing). *Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates. Current year vehicles with mileage 5,000 and under may be eligible for New Auto interest rates.
Why Choose Neighborhood Credit Union?
Apply Online in Under 10 Minutes
Flexible Term Lengths
Always Better Rates than Big Banks
Take a Check with You to the Dealer
Competitively Low New & Used Vehicle Loan Rates
*Must be 18 or older and a member of Neighborhood Credit Union. Credit application and approval required. Minimum loan amount of $10,000 required. Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing). Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check. Rates subject to change. Equal Opportunity Lender.
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| Loan Terms | Interest Rate |
|---|---|
| New Auto Purchase | |
| 54 months or less | As low as 4.49% APR‡ |
| 72 months | As low as 5.49% APR‡ |
| Used Auto Purchase | |
| 54 months or less | As low as 4.99% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Auto Loan Refinancing | |
| 54 months or less | As low as 5.14% APR‡ |
| 72 months | As low as 5.74% APR‡ |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 72 months or less | As low as 6.24% APR‡ |
| 95 months | As low as 7.49% APR‡ |
| Other Vehicle Loans or Refinance (ATVs & Motorcycle) | |
| 54 months or less | As low as 5.74% APR‡ |
| 72 months | As low as 6.49% APR‡ |
¹Lowest advertised rate includes the maximum 0.50% discount for new and used auto loans and the 0.35% discount for auto loan refinancing. Lowest auto loan rate is available by qualifying for applicable discounts. Eligible discounts include enrolling in direct deposit, setting up automatic payments, and using an "MVP" check program (not applicable for refinancing).
Frequently Asked Questions
Joining a credit union is easier than you think! There are several ways you're able to become a member, and you even qualify simply if you have a family member that does.
You're eligible if you live in the state of Texas!
You don't give up anything when you switch from a big bank, either. We offer several online & mobile services(Opens in a new Window)(Opens in a new Window) and convenience services(Opens in a new Window)(Opens in a new Window), including online banking, the MyNCU Mobile App for iOS and Android, mobile check deposit, courtesy pay, and more. Not only are we a fully digital credit union, but we have several locations in the DFW Metroplex(Opens in a new Window)(Opens in a new Window).
Yes! We have a full digital services suite that includes the MyNCU Mobile App, Online Banking, remote check deposit, Zelle®, and more. Explore all of our digital services here.
Applying with Neighborhood Credit Union is easy! Quickly apply online or give us a call at 214.748.9393 extension 2601. We will be happy to assist you with your car buying experience.
At the time of application, we do not require any documentation. After your application request is reviewed we may need additional documents such as a copy of your driver’s license, buyer’s order, insurance, proof of income, etc.
Yes, Neighborhood Credit Union provides comprehensive auto warranty protection options designed to safeguard you from unexpected financial gaps. Our plans include GAP insurance, which covers the difference between your auto loan balance and your vehicle's actual cash value in the event of a total loss, along with additional warranty solutions to ensure complete coverage. For more details, please visit our Auto Warranty Coverage page.
Why Neighborhood Credit Union is a great choice for checking, savings, and loans.
With over 90 years of experience, Neighborhood Credit Union knows how to help people reach their financial goals.
We now have several branches across the DFW Metroplex. We proudly provide our members with customized savings accounts and competitive rates.
As a not-for-profit, we pass savings on to you through greater returns. We also invest in technology to offer a top-of-the-class online and mobile banking experience. You can manage your accounts easily through online banking or our mobile app for iOS or Android.
At Neighborhood Credit Union, we’re committed to guiding you every step of the way toward financial security.
