A man driving a car, there is a dog in the front seat next to him.

Vehicle Loans

Car & Truck Loans

As one of the most experienced vehicle lenders in the greater Central Texas area, let us help you find a car or truck loan that fits your current financial situation. Whether you’re buying a new car, used truck, or want to refinance your existing vehicle, A+FCU is a partner you can trust.

Apply Now

Drive Away With A Great Ride

Buy or refinance a vehicle with confidence with the help of A+FCU. Headed to the dealership? Let us help you with a pre-approved auto loan to ensure you know how much you can afford before you buy.

Scroll to see more details

Rates, Annual Percentage Rates, Terms, and Monthly Payment Terms for Auto Loans
	Term	APR*	Estimated Payment Terms
Auto Purchase†	37-66 months	As low as 5.74%†	$17.70 per $1,000 per month for 66 months
Auto Refinance‡	37-66 months	As low as 5.44%‡	$17.59 per $1,000 per month for 66 months

Apply Now

*APR = Annual Percentage Rate.

†As low as rate includes a 0.25% rate discount for automatic payments. Rates may increase if automatic payment is cancelled. As low as rate is for Loan to Value (LTV) less than or equal to 100.999%.

‡As low as rate includes a 0.25% rate discount for automatic payments. Rates may increase if automatic payment is cancelled. Minimum loan amount of $5,000.

Membership required. Excludes existing A+FCU loans. Associations and business accounts are not eligible. Additional terms available. Normal lending criteria apply. All loans subject to credit approval. Programs, rates, terms, and conditions are subject to change without notice. Rates are subject to credit score, loan-to-value matrix adjustments, mileage, term, and normal credit underwriting factors. Can use 5,000 PlusPoints to lower rate by 0.50% or 2,500 PlusPoints to lower rate by 0.25%. We are not currently doing loans for private party sales. Rates as of 5.23.2025 and subject to change without notice.

Already Applied?

Check Loan Application Status

Easily check the status of your vehicle loan application.

Check Status

Partner Dealerships

We work closely with a number of dealerships in the area to provide our members with the best prices and service.

See A+FCU Partners

Insurance & Protection

After buying a new or used vehicle, let A+FCU guide you to the right products designed to protect your investment.

Protect Your Vehicle

Helpful

Resources

Take advantage of these resources to learn more about buying or refinancing a vehicle.

Auto Loan Calculators Should I Refinance? Calculator Partner Dealerships Free Credit Report Counseling Vehicle Insurance Make A Payment

a man sits in the drivers seat of a car with a dog sitting next to him in the passengers seat.

Life Guidance for:

Buying A Vehicle

Shopping for a vehicle can be an exciting, but also stressful, experience. Our resources can help you narrow down your options, make you aware of things to look out for, and prepare you for big decisions.

Buyer’s Guide

A couple standing on a porch, their backs are to us, and there is an open laptop on the table in front of them.

Life Guidance for:

(Re)Building Credit

Credit is factored into many decisions, including loan approvals, housing applications, insurance rates, and employment opportunities. To obtain the most favorable outcomes, it’s important to understand the basics of credit scores and credit reports.

Credit Explained