Auto Loans

Drive further and pay less

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Bring Your Dream Ride Within Reach

An easy application, great rates, and the open road await.

Features & Benefits

Give yourself a Texas-sized advantage on your next auto purchase.

Powerful Tools

Tap into car-buying resources at Neches, including CARFAX Vehicle History Report™ for our members.

Great Rates

Keep the monthly payment to a minimum. Take advantage of interest rates as low as 3.50% on your next auto loan.

Easy Pre-Approvals

Gain a negotiating advantage with a pre-approval and tap into our dealer network to expand your vehicle search.

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Tips & Resources

Important step-by-step information to help you secure the best deal on your next car purchase.

Set a Budget

Keep your monthly auto payment within 20% of your gross income. Use our loan calculator to estimate costs.

Research

Use online resources like NADA Guides to gauge the value of a car and avoid overpaying.

Financing

Get credit union financing first — apply today and secure the best auto loan available.

Test Drive

Get loan pre-approval, then test drive after negotiating remotely to save time at the dealer.

Close the Deal

Check your trade-in value and ensure all terms are clear — understand the purchase price and payment details.

Neches empowers car buyers with great rates, easy-to-understand terms, and insights including a CARFAX Vehicle History Report™ for our members.

Rates

New Auto Loan Rates
Term	APR as low as
APR= Annual Percentage Rate ¹Minimum Invoice Amount: $30,000 ² Minimum Invoice Amount: $40,000
Term 36 months	APR as low as 3.50%
Term 48 months	APR as low as 3.75%
Term 60 months	APR as low as 4.00%
Term 72 months	APR as low as 4.50%
Term 78 months¹	APR as low as 4.75%
Term 84 months²	APR as low as 5.25%

Used Auto Loan Rates
Model Year	Term	APR as low as
APR= Annual Percentage Rate ¹Vehicles with less than 20k miles
Model Year All model years	Term Up to 36 months	APR as low as 3.50%
Model Year All model years	Term Up to 48 months	APR as low as 3.75%
Model Year 2020 & newer	Term Up to 60 months	APR as low as 4.00%
Model Year 2022 & newer	Term Up to 72 months	APR as low as 4.50%
Model Year 2024 & newer	Term Up to 78 months	APR as low as 4.75%
Model Year 2025 & newer¹	Term Up to 84 months	APR as low as 5.25%

Estimate your monthly loan payment for a new vehicle loan

Enter a total loan amount, your planned down payment, and your desired loan term to estimate your monthly payment.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ.

Apply for an Auto Loan Today

Neches FCU makes it easy to get the deal done.

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