We’ll get you on
the road fast!

Whether you’re searching for a new or used sedan or SUV, we offer auto loans with various interest rates and flexible terms to meet your needs. Avoid high dealership rates and rigid payment plans by visiting us before you begin your vehicle-buying journey.

We even offer financing for RVs, trailers, motorcycles, ATVs, and watercrafts. Apply and get pre-approved online. Save even more money when you shop with an auto check!

We’ll get you on the road fast!

Vehicle protection

A vehicle is a big investment, so it’s important to protect it. Our vehicle protection options include Gap insurance, credit life and disability insurance, multi-shield protection, and extended warranty coverage to help keep your investment safe.

We've got options

vehicle loan


A better rate for your ride! Start saving money with a better rate and no payments for 90 days. We’ll make it easy, get started today!
Watercraft loan


A better rate for your ride! Start saving money with a better rate and no payments for 90 days. We’ll make it easy, get started today!

motorcycle loan

Motorcycle & ATV

A better rate for your ride! Start saving money with a better rate and no payments for 90 days. We’ll make it easy, get started today!

rv loan


A better rate for your ride! Start saving money with a better rate and no payments for 90 days. We’ll make it easy, get started today!

It’s as fast and easy as one, two, three!

  1. Research
    Download our free Auto Buying Guide that will take you through the car-buying process step-by-step. Our loan calculator can help you estimate payments, so you know exactly what you can afford.
  2. Apply
    Get fast, easy pre-approvals when you apply online! Save even more money by using an auto check during your search.
  3. Protect
    Buying a car is a major investment. Gap insurance, credit life and disability insurance, multi-shield protection and an extended warranty can cover unforeseen expenses, from collisions to simple damage from daily wear and tear.
Download our Auto Buying Guide

Not quite sure where to start?

We know that buying a car can be a long and intimidating process. Our downloadable Auto Buying Guide will help you get started, and our qualified financial experts are here to help you choose the loan terms that work best for your lifestyle.


Auto Loan Rates

Rates Effective: 08/01/2021*

Fixed-Rate - For Current Rates: Call 806.742.3606 Actual rates are subject to change, based on account qualification and underwriting criteria


Who is Eligible to apply for an Auto Loan?

You must be 18 years old or otherwise have the ability to legally contract for automotive financing in your state of residence, & either a U.S Citizen or Resident Alien (permanent or non-permanent)

What types of car loans do you offer?

  • Dealer Purchases
  • Refinancing of current auto loan
  • Lease buyouts
  • Private Party

Why should I finance my auto with Texas Tech Credit Union?

As a Credit Union, we have the ability to offer lower interest rates, lower fees, and additional products at a lower cost than our competitors or car dealerships.

If I am approved, how long is my loan offer good for?

Your loan approval is locked in for 30 calendar days from the date of your original loan submission.

What are the benefits of refinancing my Auto?

Refinancing may reduce your monthly payment through lowering your interest rate, extending your loan term, or both. Also, refinancing may help you reduce the overall amount of interest paid.

Can I refinance my existing auto loan through Texas Tech Credit Union?

Yes. Any auto loan that you have financed somewhere else, qualifies.

Do I need to make a down payment to be approved for an auto loan?

A down payment is not required. In some cases, it may improve the loan-to-value ratio, which may help with the approval process.

Do I need a co-applicant?

No, but depending on your situation, it may help you meet the requirements for credit and ability to repay the loan.

How soon will I receive a decision after I submit my loan application?

If we have all the information needed, within minutes. If we need verification of some sort or documents, the decision process will be delayed.

Can I get pre-approved before I pick out my auto?

Yes. It allows you to know exactly how much you are approved for. Don’t reveal to the seller or dealership the maximum amount you were approved for.

How can I sign my approval loan documents?

If email was provided, we can send everything electronically to sign. Or, you can come into any TTCU branch to sign in person.

Do you offer GAP or warranties?

Yes. We offer 3 additional products you can purchase for your newly purchased auto investment. GAP (Guaranteed Asset Protection), Vehicle Service Contract (Warranty) & Multishield.

What is GAP?

GAP is an optional coverage that covers the difference between the amount owed on the loan and the vehicle’s value. Some exclusions apply.

What warranty is offered?

Service contracts is an optional coverage in the event that a major mechanical component of the vehicle, such as engine, transmission, heating/cooling system, seals, gaskets, and fuel system, need repair. The coverage last for a specific time period or vehicle mileage.

What is Multishield?

Multishield is an optional coverage that includes cost for tire repair or replacement, repair minor dents and door dings, repair windshield rock chips, and 24/7/365 emergency roadside assistance.

What are the prices for additional products?

Prices differ depending on the type of vehicle but are offered to you at a much lower cost than an auto dealership.