Lock in the Lowest Rates in Town – Get Pre-Approved Today
Star of Texas Credit Union offers affordable auto loans with low rates, flexible terms, and financing up to 100%—including taxes and fees. We make it easy for all members to apply, including those using an ITIN.
Call 512-458-8253 to speak with a friendly loan officer and get started today.
Easy to Apply
Your First Step to an Affordable Auto Loan Starts Here.
Whether you're buying a new or used vehicle—or refinancing your current loan—getting started with Star of Texas Credit Union is quick and easy. Here’s how:
- Apply Online: Complete our simple auto loan application form.
- Submit: Once submitted, we’ll review your information for pre-qualification.
- Let’s Talk: A Loan Officer will follow up to guide you through your options and next steps.
The road to better auto financing starts now—let’s make it happen!
Auto Loan Products
Auto Loans for Every Journey.
From first-time buyers to seasoned drivers looking to upgrade or refinance, Star of Texas Credit Union offers flexible, affordable auto loan options to meet your needs.
- New Car Loans: Low, competitive rates
- Used Car Loans: Affordable financing with flexible terms
- Refinancing Options: Lower your monthly payment and save
- First-Time Car Buyer Program: Designed to help you get started
- Insurance and Warranty Coverage: Optional protection for added peace of mind
| TYPE | APR (Annual Percentage Rate) | TERMS |
|---|---|---|
| New Auto Loan | as low as 4.49% 1 | Subject to credit approval1 |
| Used & Refinanced Loans | as low as 5.24% | Subject to credit approval |
| First-Time Car Buyer Program | as low as 6.25% | Subject to credit approval |
Rates effective as of 3/31/2025
1 2024-2026 models, less than 10,000 miles, dealer purchase with invoice or buyer order required.
Call credit union for most current rates. Subject to change with or without notice.
New Auto Loan
Finance Your Next New Vehicle with Confidence.
We make it easy to get behind the wheel of a new car, truck, or SUV with low rates, fast approvals, and personal service you can count on. Get pre-approved before you shop and walk into the dealership with the power to negotiate like a cash buyer.
- Eligible for 2024–2026 models with under 10,000 miles
- Dealer purchase required with invoice or buyer’s order
- Fast, flexible loan approvals
- Pre-approvals available for confident car shopping
- Affordable insurance and warranty options
- Friendly, bilingual service with a personal touch
- Credit union values: people over profit
Apply online today or call 512-458-8253 to speak with a friendly loan officer.
Used & Refinancing Vehicle Loans
Used or Refinanced—We’ve Got You Covered.
Whether you’re refinancing an existing loan or buying a used car, we offer the same great rates—so you can lower your monthly payment and get more value from your vehicle.
- Reduce your current rate by up to 2%** when refinancing
- Flexible terms to fit your budget
- Quick approvals with no prepayment penalties
- Local service from loan officers who care
**Offer applies to auto loans refinanced from other financial institutions. Star of Texas Credit Union will lower your current rate by 2%, with a floor of our lowest available rate. Subject to credit approval and underwriting guidelines. Contact a loan officer for details.
First-Time Car Buyer Program
Buying your first car? We’re here to help make it simple. Our First-Time Car Buyer Loan is designed to help you get on the road and start building credit with confidence.
Key Features:
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Loan amounts up to $25,000
-
Terms up to 72 months
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10% down payment required
-
Must be a first-time car buyer with no prior auto loans
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Vehicles must be under 7 years old and under 100,000 miles
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Co-signer required if credit score is below 660
*Must be a current member and meet eligibility requirements.
Insurance & Warranty
Protect Your Vehicle and Your Peace of Mind.
We offer a full suite of insurance and warranty options to help you safeguard your investment—now and down the road.
- Auto, Life, and AD&D Insurance
- GAP Protection
- Mechanical Repair Coverage
- Credit Insurance: Life & Disability
*Insurance products are offered in partnership with Baptist Health Federal Credit Union.
