Auto Loans
Limited-Time Offer — Auto Loans as Low as 4.95% APR*
Drive into savings with our limited-time Auto Loan Promotion! Finance your qualifying 2024–2027 vehicle with rates as low as 4.95% APR and flexible terms up to 72 months.
Whether you’re purchasing a new vehicle or financing with South Texas Federal Credit Union for the first time, we’re here to help you get on the road with competitive rates, local service, and a simple application process. Plus, making your payments is easy through our online payment center or with automatic payment options.
Complete our online application – Takes just a few minutes.
Get preapproved or refinance your existing auto loan – Know your rate and terms before you shop, or lower your current loan payments.
Buy your car or refinance with confidence – Already have your financing in place and ready to go.
To apply for an auto loan in Texas with South Texas Credit Union, you’ll need the following:
Valid Texas Driver’s License – required for all vehicle loan applications.
Proof of Income – provide one of these documents to show income eligibility:
Most recent paycheck stub
Last two years of tax returns
Three months of bank statements
Social Security (SSA) or TRS benefits letter showing your monthly benefit amount
Bringing these documents ensures a faster auto loan approval process and helps us find the best loan option for you.
GAP Protection – Covers the difference if your car is totaled or stolen.
Extended Warranty – Keep your car protected after the manufacturer warranty ends.
Payment Protection – Optional coverage for life, disability, or involuntary unemployment.
Q: Can I refinance my existing auto loan?
Yes! Refinance with us and you could lower your rate or monthly payment.
Q: How fast is approval?
Most members receive a decision within one to two business day.
Q: Do I need to be a member to apply?
No, membership is not required to apply for a loan. However, once your loan is approved, you will need to open a South Texas Federal Credit Union account to complete the process and begin enjoying all the benefits of membership.
Q: How do I make my loan payments?
South Texas Credit Union offers several convenient ways to make your auto loan or personal loan payments:
Online Web Payments Center – Pay from any bank or credit union account for just $1.75 per transaction. Choose Express Pay for a one-time payment or set up recurring payments.
Set up Auto Pay at Loan Opening – Payments can be scheduled as auto transfers from your South Texas Credit Union account or from any other financial institution account.
In-Person at Any Branch – Visit a teller at either of our McAllen branches.
Drop Box – Use our secure drop boxes available at branch locations.
By Mail – Send your loan payment to our payment processing address.
By Phone – Call us to make a loan payment quickly and securely.
Offer valid July 1 – September 30, 2026. Available to qualified borrowers only. Underwriting terms and conditions apply.
The Board of Directors, as required by law, reviewed and set the rates effective July 1, 2026. Risk based lending guidelines are followed as per federal regulation. Rates are subject to change without prior notice. For further information regarding applicable fees and terms, contact an employee at any South Texas Federal Credit Union office.
