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Auto Loans

Bring us your auto loan and take up to 90 days to make your first payment!

Auto Loans

Bring us your auto loan and take up to 90 days to make your first payment!

Fixed-rate loans for new and used cars

APPLY NOW TO SEE YOUR PRE-QUALIFIED OFFERS

Owning a car is more than just a convenience — it’s a milestone. Whether it simplifies your daily commute, caters to your business needs, or unlocks the joy of spontaneous road trips, taking out an auto loan could be your next big move. 

For those residing in Bexar, Kendall, Comal, and Tarrant counties who are thinking about their financial readiness for such a commitment, support is available right here. And there’s more good news — for a limited period, enjoy your new ride now and start your payments later. When you bring us your auto loan, you can take up to 90 days to make your first payment!

Why a Credit Union?

Lower Interest Rates

Our mission is to provide you with the lowest rates; it’s just what we do. With our expertise, we can assist you in finding the most favorable interest rates and the perfect loan that aligns with your financial goals and budget.

At the heart of our service lies an unwavering commitment to secure you the best financial advantage. Imagine the thrill of uncovering the most competitive interest rates and pinpointing a loan that not only respects your budget but elevates your fiscal well-being. That’s our pledge to you – to guide you to savings that make a difference. Join us in a journey toward financial freedom, where superior rates aren’t just a possibility; they’re a promise.

More Options

When it comes to financial options, credit unions shine with their extra benefits. Whether you’re looking for financing or refinancing, we have the resources to support you. Our personalized service guarantees the best advice and loan tailored to your needs.

No Surprises

Some dealerships may lure you in with a loan offer that seems too good to be true. They advertise it as zero percent financing, conveniently hiding any mention of hidden costs. But once you commit to the loan, a flood of hidden fees and expenses will start popping up. At United Texas Credit Union, we do things differently. We believe in transparency and promise to give you the whole story with no surprises or hidden fees.

Rates & Calculator

Loan Calculator

Loan Amount
Rate (APR)
Term

Enter your loan details to see your repayment information

Disclaimer: Information and interactive calculators are made available to you as self-help tools for your independent use. We cannot and do not guarantee their applicability or accuracy in regards to your circumstances. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Monthly payment# of payments
Total paymentTotal interest
For an accurate determination of your options, please click on the red “Apply Now” button, complete our short application, and see your auto loan offers, with no impact to your credit.
Auto Loan – New/Used
2009 – 2024 Model Yearsas low as 5.99% APR*up to 60 months
2014 – 2024 Model Years
(minimum $20,000)		as low as 6.09% APR*up to 66 months
2017 – 2024 Model Years
(minimum $25,000)		as low as 6.29% APR*up to 72 months
2020 – 2024 Model Years
(minimum $35,000) (max LTV = 120%)		as low as 7.09% APR*up to 84 months

*APR = Annual Percentage Rate. Rates are effective August 16, 2024. The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and other factors. Rates and terms are subject to change without prior notice; other restrictions may apply. In-house refinances are not eligible. Auto rates are eligible for protection product discounts. Discounts vary by protection product. The lowest discounted rate with the purchase of protection products is 5.99% APR (up to 60 months). Payment per $1,000 is approximately $19.33 per month for 60 months at 5.99% APR.

CONTACT US TODAY

Frequently Asked Questions

How to get an Auto Loan

Getting an auto loan with us is fast and painless. Here are the simple steps:

STEP 1
Contact us in person, online, or by phone and complete a quick loan application.

STEP 2
Get us the information about the auto you have chosen. Ask about our Auto Check option if you’re unsure which type of vehicle you want.

STEP 3
Open an account if you are NOT already a member of United Texas.

STEP 4
Sign your loan documents with us, in person or electronically.

STEP 5
Pick up your newly purchased car.

Our auto loan specialists are committed to being your best choice in financing your next new or used vehicle. That’s why we offer our Auto Check* service for a smoother dealership purchase.

To take advantage of it, simply apply for your loan before you go shopping. You’ll be pre-approved up to a certain limit. Then, we’ll give you a blank check that’s good for any amount up to that limit. Sign the Auto Check and drive away—no more paperwork from us! There are no hidden fees for this service, and you’ll receive the same great low rates.

With an Auto Check, there is no need to discuss financing through the dealership. Your Auto Check gives you the bargaining advantages of a cash buyer, so you can keep the conversation centered on the true invoice price. Make sure to also take advantage of any dealer and manufacturer rebates available.

*The Auto Check program is subject to certain credit criteria. Available at participating dealerships within greater San Antonio or Fort Worth, TX. May be used for the purchase of new or used automobiles, trucks or SUVs. May not be used for sales between private parties or to purchase reconditioned, salvaged, or auctioned vehicles. Other restrictions may apply. Contact us for additional terms and conditions.

For a limited time, you may take up to 90 days to make your first payment.

We offer several convenient options for making your payment:

  • Online Banking
  • Online Bill Payment
  • United Texas Mobile
  • Bank-to-Bank Transfer
  • In person at any United Texas Branch or Shared Branch location
  • By phone at 1-800-531-8456 (free from a United Texas account, or $8.50 if the payment is made from a credit card or non-United Texas account)
  • At any United Texas night depository or ATM
  • By mail to United Texas Credit Union, 5500 UTSA Boulevard, San Antonio, TX 78249

This is not always required. However, if you’re payment conscious this is a good way to lower your monthly payment.

An auto purchase is a major expense and protection products help to protect that investment, providing value to your purchase.

You should add your auto to your insurance policy before driving it off the lot. You must add United Texas Credit Union as the lienholder and supply proof of this action to the credit union. 

There are no pre-payment penalties.

We offer rate discounts with the purchase of protection products. The most you may discount your rate is 0.50%.

We offer up to 135% financing, in most cases. Therefore, you may include dealer tax, title, and license in your purchase.

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