Texas Tech Credit Union

A Car for Christmas. Win a car this holiday season.

A Car for Christmas. Win a car this holiday season. Apply now

*Prize is forgiveness of the winner’s Texas Tech Credit Union auto loan, up to $50,000. No vehicle is awarded. Some restrictions apply. See Official Rules for details. Federally insured by NCUA.

Step one

Apply for an auto loan.

Finance a new or used car, truck, or SUV with Texas Tech Credit Union between November 1 and December 31. Loans must be $15,000 or more.

How it Works

Apply Now

Step two

Get funded by January 7.

Apply by December 31. Once your loan funds, you're entered!

Step three

See if you win!

We’ll draw one winner in January 2027 and contact them using the information on their application. The winner’s auto loan is forgiven, up to $50,000.

Have a Car Loan Somewhere Else?

Refinance it with us by December 31 and you’re entered for a chance to have up to $50,000 of that loan forgiven. You may even lower your payment with a better rate!*

*Loans already with Texas Tech Credit Union don't qualify.

Refinance my loan

The prize

Up to $50,000 Off Your Car Loan

See Official Rules

One winner will have their Texas Tech Credit Union auto loan forgiven, up to $50,000.

*The amount of the forgiven loan will be treated as taxable income. Sponsor reserves the right to substitute a prize of equal or greater value.

  • Competitive Rates
  • Flexible Terms Up to 84 Months*
  • Apply Online in Minutes. Get a Fast Approval.
  • No Payments for 90 Days*
  • Real Local People. Real Local Support.

Not a member yet?

It's quick and easy to join. Become a member when you apply for your auto loan.

*Based on the applicant meeting established criteria, including but not limited to credit score, year of vehicle, and amount financed.

Why Finance With Us

Your easiest auto loan.

Texas Tech Credit Union member working on a laptop
Apply now

Ready to Enter?

Apply by December 31 for a chance to have up to $50,000 of your auto loan forgiven this holiday season.

Apply Now Refinance My Loan

Questions?
We've got answers.

New and existing members who finance a new or used auto loan or refinance one from another lender with Texas Tech Credit Union during the promotion. Your account must be in good standing when the winner is drawn. Texas Tech Credit Union employees, board members, and their relatives are not eligible.

No. The prize is forgiveness of the winner’s Texas Tech Credit Union auto loan, up to $50,000. No vehicle is awarded. The amount of a forgiven loan will be treated as taxable income.

Yes! You can join when you apply for your auto loan.

New and used auto loans, and auto refinances from another lender, of $15,000 or more. Apply between November 1, 2026, and December 31, 2026, and funded by January 7, 2027.

No. Existing Texas Tech Credit Union auto loans don’t qualify, and that includes refinancing. A new auto loan with us does.

Yes. Refinance an auto loan from another lender by December 31, and you’re entered.

Yes, $15,000.

The prize covers up to $50,000 of the winner’s auto loan. The winner is responsible for the remaining balance.

No. Boat, motorcycle, and RV loans aren’t eligible.

The promotion runs November 1 through December 31, 2026. Your application must be in by December 31, and your loan must fund by January 7, 2027.

One entry per qualifying loan.

We’ll pull a list of qualifying members and use a randomizer to draw one winner in January 2027. The winner is notified using the contact information on their application.

No. Entry requires a qualifying auto loan or refinance with Texas Tech Credit Union.

  • Promotion period: Begins November 1, 2026, and ends December 31, 2026.
  • Eligibility: New and existing members who finance a new or used auto loan or refinance an auto loan from another institution with Texas Tech Credit Union during the promotion period. Account must be in good standing at the time of the drawing. Texas Tech Credit Union employees, board members, and their relatives are not eligible.
  • Qualifying loans: Minimum loan amount $15,000. Application submitted between November 1, 2026, and December 31, 2026, and funded by January 7, 2027.
  • Exclusions: Existing Texas Tech Credit Union auto loans, including refinances of those loans. Boat, motorcycle, and RV loans. Loans under $15,000.
  • Earning entries: One entry per member per qualifying funded loan.
  • The prize: Forgiveness of up to $50,000 of one winner’s Texas Tech Credit Union auto loan. The winner is responsible for any remaining balance. The amount of the forgiven loan will be treated as taxable income.
  • Winner selection: A list of members meeting the qualifications during the promotion period will be pulled and entered into a randomizer. Winner selected in a random drawing in January 2027.
  • Notification: Winner will be notified using the contact information provided on their application.
  • Prize substitution: Sponsor reserves the right to substitute a prize of equal or greater value.