Secure the Right Car with the Best Financing
When you can walk into the auto dealership with the affordable financing you need already in hand… that’s an amazing feeling.
Getting pre-approved for a CRCU vehicle loan makes it possible.
With our great-rate loan, you can focus on negotiating the best price, take advantage of cash-back offers, and skip the lengthy financing process at the dealership.
- Competitive interest rates
- Discounts available
- Little- to no-money-down options with 100% financing available
- No hidden fees
- Plus - 90 Days No Payment!**
- For new autos, terms as long as 84 months available for payments customized to your needs
- No early payoff penalties
- Financing for new, used, and classic vehicles
- View CRCU's preferred dealer list
Benefits/Good to Know
Some Good to Knows
- Insurance deductibles cannot exceed $1,005
- First-time auto buyer must have proof of 6 months of continuous, fulltime employment
- For hassle-free payments, set up direct payment from your CRCU account and never worry about late fees
- Complete an application and electronically sign the document using a secure and intuitive online process. Please be aware that this process may verify your identity by asking a series of random "out-of-wallet" questions, which may be created from public record and credit databases.
What's all Available
- Credit Life/Disability Insurance is available for your vehicle loan
- GAP Insurance is available for $495. This helps pay off your remaining loan balance if your auto is stolen or damaged and is deemed to be a total loss.
- Extended warranty protection is available
Before you apply, be sure to gather the following:
- A valid, non-expired, state-issued driver’s license is required
- Employment information (including employer name and contact information)
- Proof of income (pay check stub or W2)
- If available, information about the vehicle (make, model, year, mileage, and VIN) or collateral
Tools to buy or refinance your ride:
Auto Loan Calculator
Estimate your monthly car payment.
GAP Insurance Available
Save on dealer pricing with GAP insurance.
Two skip-a-pays every year
Skip a loan payment at your convenience.
Auto Loan
Rates
View our new & used auto loan rates.
CRCU's Preferred Auto Dealers
Member Auto Center is your source for all of your auto buying needs. With our easy search and expert assistance, you can research new autos, search pre-owned inventory, get free price quotes, discover your trade-in value and so much more! Take the guesswork out of auto shopping. Our preferred dealers are ready and waiting to help you find your next new or pre-owned car!
Visiting a dealership can be overwhelming. With CRCU Auto Center, we make the car buying experience safe and easy.
- Search new and pre-owned vehicles
- Calculate your monthly payment
- Submit for a no obligation price quote
- Get a listing of all participating dealers
- Get an auto check vehicle Report
Before purchasing your next auto, be sure to follow these 3 easy steps:
Before purchasing your next auto, be sure to follow these 3 easy steps:
- Visit crcu.memberautocenter.com to research vehicles and get pre-approved for your auto before you ever get to the showroom floor.
- Find a Preferred Dealership and ask for the Credit Union Representative by his or her name.
- Contact 832-912-2182 for auto buying assistance.
The Process
Need Assistance?
For personal help with your loan application, drop by your neighborhood CRCU branch or give us a call at (800) 238-3228.
*APR = Annual Percentage Rate. Certain terms, conditions, and or discounts apply to rates listed. Rates current as of 10/01/2024, and are subject to change based on market conditions and borrower eligibility. A $30,000 loan with a 48-month term at 5.04% APR equals a $746.17. monthly payment. Your monthly payment includes principal and interest and may be higher or lower depending on your loan amount, APR and term. Payment also includes monthly premium for Payment Protection which includes Credit Life and Disability Insurance. Credit Life and Disability Insurance is not required. Other rates and terms available. May not be combined with other offers. All loans and rates are subject to approval and some restrictions may apply. All loans closed directly at the dealership must be pre-approved at the credit union and closed at the pre-approved rate to qualify for the rate discount. Subject to mileage and vehicle age limitations. A vehicle is considered new when the model is current calendar year, next year so long as the mileage does not exceed 7,500 miles. CRCU finances up to 120% of MSRP (new vehicles) or the NADA Retail value (used vehicles). Maximum loan to value (LTV) is 120% including tax, license and fees. Maximum LTV is subject to approval and certain restrictions may apply. Not available to refinance an existing CRCU auto loan. The minimum approved loan amount is $500.00. **Payment will not be required during the deferred period for the first 90 days. Interest will accrue during the deferment period. The rate listed above include all applicable discounts. View rates page to view all disclosure & rates. CRCU Membership required. Contact us for details. Offer subject to change or cancellation without notice.
FAQs
What if I find a car while you are closed?
Show the seller your pre-approval certificate and ask for a Buyers Order. We will complete your loan the next business day.
Will I need a down payment?
Your application will be reviewed and approved for highest amount possible.
What if I've never financed a vehicle?
No need to worry. We have a First Time Buyer Auto program that you may qualify for.
Will I need a co-signer?
Your application will be reviewed thoroughly, and, if one is required, we will notify you.
If I want to trade in a vehicle financed with CRCU, what do I do?
First, get pre-approved for your next purchase. Then ask for a 20-day payoff on your trade in. The dealership will need this information to complete the sale.
Can I apply for a loan if I haven't found an auto yet?
Yes. Always get a pre-approval before going shopping.
What’s the maximum age of an auto I can finance?
Seven years is the maximum age.
How do I know if my loan is approved?
A Personal Financial Officer will notify you of the status of your application and/or if additional information is required.
Can I pay the principal on my car loan?
Toward the end of your loan, the majority of your payment goes toward paying principal. If you make extra payments toward the principal, you can shorten the length of the loan.
More FAQs
Do I have to buy from an auto dealer?
No
What happens when I pay off my vehicle?
The title of the vehicle will be released and mailed to address on file. Please allow 20 days for processing and mail services.
Do you offer leases for autos?
At this time, we do not offer leases.
If I have a purchase order from a dealer and they have included a warranty in the price of the auto, can I cancel and purchase a warranty from the Credit Union?
Yes.