Auto Loans | Build Credit | Texas Credit Union

Hispanic curly haired woman driving a car

We'll put you in motion

Forget the hassle at the dealership—Education First has your back. We make vehicle loans simple, and while you're cruising, you’ll be building your credit too. Pretty sweet deal, right?

Finance up to $25,000—perfect for your first set of wheels
Up to 95% financing based on NADA value
Flexible repayment terms up to 60 months to fit your budget
Competitive interest rates designed to keep your payments manageable
Opportunity to refinance at a lower rate after 12 months of on-time payments—build your credit and save over time

Apply Now

New and Used Vehicle Loan Rates

* APR = Annual Percentage Rate. The APR shown reflects our best rate including discounts and may be different based on credit underwriting or services used. All rates are subject to change without notice.
Terms	APR*
48 Months	4.50%
60 Months	5.00%
72 Months	5.50%
78 Months	5.75%
84 Months	6.00%

First-Time Auto Buyer FAQs

If you have never financed a vehicle before, you may be eligible for a First-Time Auto Buyer loan. New and used vehicles are eligible for a car or truck loan with EFFCU.

No Credit? No biggie. A cosigner can guarantee your loan.
Proof of full-coverage insurance is required prior to funding

Your monthly payment is determined by several factors, including your loan amount, term, and interest rate. Utilize our Calculate a Vehicle Payment calculator to get you started.

All rates and terms are subject to change without notice. Loan rates are subject to credit approval and based on individual creditworthiness, amount financed, loan term and vehicle characteristics. Your Annual Percentage Rate (APR) will be based on your specific situation. View our auto loan rates here