Making it Easy
We're "Making it Easy" to find your new car, calculate your payment, sell your old car, and more with Car Finder!
Discover Auto Loans with Neighborhood Credit Union
Get Up To $500 Cash Back*
Get Up to $500 Cash Back on New, Used, or Refinanced Auto Loans—Just in Time for Holiday Travel!
At Neighborhood Credit Union, we believe getting an auto loan should be as simple as turning the key in the ignition. Whether you’re exploring options for your first-time auto loan or looking for the best credit union for auto loans, we’ve streamlined the process to offer you a hassle-free experience from start to finish, so you don’t have to slow down your fall adventures.
Convenient Car ShoppingIntroducing Car Finder, our go-to tool for finding and comparing vehicles in Texas. Get fair pricing, free CARFAX reports, and an instant cash offer for your current car. Plus, enjoy a free myEZ Car Care Membership with your auto loan.
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Simplified Application ProcessOur Texas proud credit union auto loans offer a straightforward, easy-to-understand process. Apply online in just a few clicks and get a pre-approved auto loan in minutes. No complicated forms, no unnecessary delays—just a smooth path to your new ride.
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Competitive RatesTake advantage of our current lowest rate of 5.74% APR.‡ Whether you're buying new or used, our credit union auto loans provide competitive rates that fit your budget.
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Member Perks
When you finance your auto loan with us, you’re not just getting a great rate—you’re also getting access to exclusive member benefits. Enjoy peace of mind with flexible payment options, personalized service, and a commitment to your financial success.
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Get Started Today
Ready to hit the road? Let Neighborhood Credit Union make it easy for you. Whether it's your first-time auto loan or you're a seasoned buyer, start by using our Car Finder to discover your next vehicle. Then apply online to secure your pre-approved auto loan.
Refer a Friend, Earn $200 Cash
Through our Loan Referral Program, whenever you refer a new or existing member to Neighborhood CU for an Auto loan, you can receive $200!¹
Boat, RV, & Motorcycle Loans
Do you love being outdoors or on the water? Find out what Texas has to offer with recreational vehicle loan interest rates starting as low as 5.74% APR‡, we can finance your motor homes & travel trailers, motorcycles, boats & jet skis, and more.
Get $1,000 towards your next car purchase in the event of a total loss.
In the event of a total loss, GAP pays the difference between what you owe on the car and your insurance company’s declared value.
Members who enrolled in GAP protection experienced the benefits when they needed it most, saving an average of $4,095 in 2023.† Ask your Loan Officer or request more information. Protection pays off!
Why choose Neighborhood Credit Union?
We value all the members of our community here in Texas, and that's why Neighborhood Credit Union wants everyone to have access to an affordable auto loan.
As a not-for-profit organization, we can offer you competitive rates and fewer fees. Just stop by your preferred branch around the DFW Metroplex and find out how we can help!
You can get a free online banking account and easily manage your auto loan through Online Banking or the MyNCU Mobile App on iOS or Android.
Neighborhood Credit Union is proud to be a full-service digital financial institution.
★★★★★
From seamless car loan applications to expert assistance with cards and account setups, the lending team redefines helpfulness!
– Isabel G.
Our auto loan shopping and application process is simple and secure!
STEP 1
Apply in Car Finder
Start your vehicle search with Car Finder. Explore options, then kick off your application with just a few simple questions.
STEP 2
Quick Review
We'll check if you're eligible and, if approved, offer you a loan amount and rate for your chosen term.
STEP 3
Buy a Vehicle
With financing ready, you can now complete your purchase. We'll be happy to help every step of the way!
Competitively Low New & Used Vehicle Loan Rates
‡Rates are accurate as of September 27, 2024. Must be 18 years or older and a member of Neighborhood Credit Union. Credit application and approval required. Rates subject to change. Equal Opportunity Lender.
View Current rates
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| Loan Terms | Interest Rate |
|---|---|
| Auto Purchase or Refinance & Motorcycles | |
| 60 months or less | As low as 5.74% APR‡ |
| 72 months | As low as 6.00% APR‡ |
| Other Vehicle Loans or Refinance (RV & Boat) | |
| 60 months or less | As low as 7.24% APR‡ |
| 72 months | As low as 7.50% APR‡ |
¹Referral: Member is paid $200 for auto loan referral after the referred loan has been funded. Auto loans must be a minimum of $15,000. Offer excludes existing loans financed through Neighborhood Credit Union and cannot be combined with any other new member referral offers. Member is paid $100 for personal loan referral after the referred loan has been funded. Personal loans must be a minimum $5,000. Offer subject to change without notice. Additional restrictions may apply.
†Actual savings for GAP members will vary. GAP is available only for members with an auto or recreational vehicle financed through Neighborhood Credit Union.