Get the Best Auto Loan Rates
Texell consistently has the best rates on auto loans. That’s all auto loans — new, used, or refinanced vehicles.
Low rates? Check. Easy online application? Check. Exceptional service? Check. Check all the boxes at Texell. Get pre-approved for your vehicle and head to the dealership with an Express Check. Enjoy stress-free negotiating power against common sales tactics.
Refinance Your Ride
Do you already have a car you love? Let Texell's Loan Heroes make sure you’re getting the best rate. We can get you into a better loan quickly!
You could reduce your monthly payment, reduce the term of your loan, or both!
Today's Auto Loan Rates
We’re local, so your loan will be approved and serviced by people who live in your community.
- Approved locally
- Low rates
- Flexible terms up to 84 months
- Multiple payment options and due dates
- Affordable GAP (Guaranteed Asset Protection) that’s cheaper than most dealers
- Rest easy with Credit Life and Credit Disability Insurance
- Configurable Extended Warranties to keep your ride as good as new
Rate-Lock Auto Loans
Lock in Today’s Best Auto Loan Rate!¹
Customize and order the vehicle of your dreams. With Texell’s Rate-Lock Auto Loans you can:
- Lock your rate
- Defer payments
- No interest until you take possession of your new vehicle
A lot has changed with buying a car, and it’s rare you can visit a dealer and drive home with a new vehicle the same day. That’s why Texell now offers the ability to lock in your auto loan rate — up to four months!
Skip the stress and hassle — Get approved today.
¹ With approved credit. Eligible only for new auto purchases with delayed delivery. Interest begins accruing when you take possession of the vehicle. Your payment due date will be set within 30 days of taking possession of the vehicle. If your vehicle is not delivered within four months, a new application will be required. Contact Texell for complete details.
Frequently Asked Questions:
Do I need to be a member to apply?
No, but if you are approved, you’ll become a member through the loan process. This will give you access to all the benefits of membership with Texell. For instance, did you know that our standard debit card comes with a rewards programs just like many credit cards? And if you have a credit card with Texell too, all points accumulated from both debit and credit card activity are shared in a single account so you can earn and redeem faster.
Will I need a down payment? Do I need a co-borrower or co-signer?
A down payment will reduce the amount you need to get financed. A co-borrower or co-signer may be needed if, for instance, you have very little credit history. In either case, you may get a better rate. It really depends on your personal financial situation. It's best to speak to our loan experts who will walk you through your options.
Is there an application fee?
At Texell, we do not charge an application fee for auto loans.
What types of vehicles can I get with an auto loan?
With an auto loan, you can finance cars, vans, trucks, or SUVs.
Can I get pre-approved?
Of course! With our Express Checks, you’ll have the negotiating power of cash when you shop for your new vehicle.
What if I’m refinancing a loan I already have?
Our loan experts can walk you through refinancing an auto loan. Please note, Texell does not refinance loans already financed at Texell Credit Union.
Do I need to visit a branch to get an auto loan?
No. You can apply online or call 855.773.1604.
How soon after I get a loan from a dealer or other financial institution can I refinance?
Immediately. There’s no need to wait until you’ve made a payment.
You may also be interested in…
6 Steps to Take When Getting a Car Loan
Ready for a new vehicle? Take a few steps before you shop to make the process go smoother and ensure you get the very best rate and term for you.
How Much Car Can I Afford?
Before you go car shopping, do the math so you drive away in your new wheels with a happy budget.
Should You Refinance Your Auto Loan?
Does a refinance make sense? If you qualify for a lower rate, you could save quite a bit. Here we explore the possibilities.