Vehicle Loans

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Vehicle Loans

If you're in the market for a new or new to you vehicle, come to the credit union for financing.

What are you in the market for?

New & Pre-Owned Autos

We typically offer a better option than a dealer because dealer financing often is for a shorter term, resulting in high payments.

If the dealer offers a rebate plan, consider taking that instead of their low-rate financing. Add the rebate to your down payment and apply for a credit union loan. The larger down payment will reduce the amount you need to finance.

R.E.D. Program
R.E.D. = Realize. Explore. Drive.

R.E.D. ...the smart choice in new and pre-owned vehicle financing! How would you like a low payment vehicle loan program that combines the best features of conventional financing along with the benefits of leasing? Sound too good to be true? Well, HTFFFCU has the vehicle financing answer for you!

R.E.D. gives you the best of both worlds. Like a lease, R.E.D. offers payments considerably lower than conventional financing. Yet, unlike leasing, with R.E.D. you own the vehicle and have all of the flexibility and benefits that come with vehicle ownership!

All new and up to five-year old cars, vans, and light trucks qualify for R.E.D. financing. All vehicles can be financed for up to 72 months! Other benefits of R.E.D. include:

  • No Capitalization Fees
  • No Application Fee
  • No Security Deposit
  • No Up Front First or Last Payment
  • Option to Sell, Trade, Finance Vehicle Anytime or
  • Return Vehicle at Loan Maturity and simply “Walk-away”
  • No Early Payoff Penalty
  • 100% Financing with NO MONEY DOWN
  • Mileage Options of 12,000, 15,000 and 18,000* Per Year Available

Want to find out how low your R.E.D. payment could be?

Go to the R.E.D. Program CarBuilder calculator where you can build your car from the comfort of your own home. For more information about the R.E.D. Program contact us or visit HTFFFCU today!

Calculate Your R.E.D. Payment!

Blaze Check

What if we told you that car-buying could be faster? Blaze Check is the lightning-fast solution to buying your next new car or truck! Learn more here.

Boats & RVs

Passionate about adventuring out into the open sea? Or would you like to travel on the U.S. highways and just see where the open road leads you? Well now’s the time to make those dreams reality.

Whether you’re looking for an RV (recreational vehicle) for traveling cross-country or a boat for relaxing on the lake, we can help with all your recreational needs by offering low rates with low down payments.


Living in Houston, the odds are the weather will always be perfect (maybe a little warm) to go out for a nice ride. If you're looking for motorcycle loan options, you’ve come to the right place. We offer flexible and affordable options so you can purchase and enjoy the ride you always had in mind. With fast approval, an easy application process and some of the best interest rates available anywhere, you’ll be happy you chose HTFFFCU to finance your motorcycle.

Other Vehicle Loans

From ATVs and even planes (yes, the ones that fly in the air!), rest assured that at HTFFFCU, we can meet your needs to finance a variety of wheels.

Apply Online!

Save time and money by using Auto Link!

Updated as of: October 1, 2018

Auto Loan Rates

Includes: new and used vehicles such as cars, trucks, and SUVs.

Loan TypeTerm in MonthsFixed Rate APR*
1-24 2.25% - 9.40%
25-36 2.40% - 9.90%
37-48 2.65% - 9.85%
49-60 2.75% - 10.90%
61-72 3.25% - 11.25%
Values > $45,000 73-84 3.70% - 11.70%
Values > $65,000 85-120 4.85% - 14.45%
Values > $75,000 121-180 5.45% - 14.45%


1) .10% APR for setting up Auto Pay for your loan
2) .15% APR for having a credit card with HTFFFCU

Other Vehicle Loan Rates

Includes: boats, motorcycles, jet skis, campers, travel trailers and motor homes. Please click here to view rates.

*APR = Annual Percentage Rate. To receive the lowest rate within each range above requires a FICO 08 score of 700 or higher. See a loan officer for specific details.

Apply Online!