New & Used Autos
Our New & Used Vehicle Loans can help you drive the vehicle
of your dreams. Either way, we offer competitive rates. Our
buying resources and dealer network will ensure that you get
the best deal conveniently. Just fill out the Loan
Application to get pre-approved. Try our Loan
Calculator for an idea of what your payment could be!
- Up to 100% financing
- Terms up to 72 months
- No application fee or pre-payment penalties
- Convenient Payment Options
- Fixed rates
- Credit Life & Disability Insurance available
- Extended warranties available
- GAP Insurance available
- Pinnacle Motor Club available
- “Hassle Free” Fleet Purchasing
Let Southern Federal Credit Union show you how to get the
most for your money by combining our low-rate vehicle loans
with the dealer’s rebate to give you a financing package
that’s lower than the “teaser” rate many
dealers offer. Here’s how:
Get pre-approved. Getting your loan through
the Credit Union will insure that you get a great rate and
flexible terms to suit your pocketbook. Don’t be fooled
by any high-pressure dealer-tactics - your Credit Union has
your best interests in mind. Getting pre-approved will improve
your bargaining power when the seller knows they can make
a deal on the spot. Apply NOW by clicking on Online
Loan Application or call us at 713-232-7774.
Set a budget. Then stick to it! We can help
you determine an affordable payment based on your personal
Do some research before you do your shopping. Get
up-to-date automobile model and pricing information for your
new/used vehicle or trade-in and auto safety information by
clicking on Member
Quote. Call the credit union for your “no hassle”
fleet purchasing program information.
Spruce up your vehicle. If you have a trade-in,
clean it before you take it to the dealer. A clean trade-in
will usually bring you more dollars!
Get it inspected. Have your potential purchase
checked by a reliable mechanic. In the Houston area, Auto
Exam’s 100-point inspection will let you know if it’s
Low rates. Call for the most current
rates. Our rates are lower than most dealer programs.
Flexible repayment methods. There are a
variety of repayment methods including Payroll Deduction/Direct
Deposit, Automatic Bank Draft from another financial institution,
Automatic Transfer from your account at the Credit Union,
Payment Coupon Book, or transfer online with Internet Teller
from your credit union account.
Money-saving refinance options. Tired of
paying high rates on your current car loan with another financial
institution? You could save hundreds each year by refinancing
Payment protection plans (Credit Life & Disability
Insurance). Protect your payments with these superior
coverages at competitive rates. Credit Life Insurance reduces
or pays your loan should you pass away. Credit Disability
does so if you become disabled.
Beware of “special” financing offers.
You often hear dealers advertising “promotional financing”
that promises unbeatable rates. While those offers may seem
enticing at first, a closer look reveals the real story. They’re
made to look like they benefit you, when really these offers
are designed to sell slow-moving vehicles with unrealistically
short repayment periods.
Extended warranty plans. Our extended warranties
Exam give you greater purchase protection. Compare our
plans with others before you buy to see how much you can save
GAP Insurance. Protects you against a loss
in the event of an accident or theft where your insurance
doesn’t cover your full outstanding loan balance.
Pinnacle Motor Club. Pinnacle
Motor Club is a nationwide company providing motor club
benefits and services.
Vehicles Include: Personal Vehicles,
Car Rentals, Company Vehicles, Travel Trailers, Recreational
Trailers, Motorcycles, RVs, Motor Homes, Campers, Boat Trailers,
Single Rear Axle Trucks and Commercial Vehicles.
Benefits and services Include:
Battery Boost, Fuel Delivery, Towing or Wrecker Services,
Freeing Locked Keys, Freeing “Frozen” Locks, Tire
Change, Parts Delivery, Winching Services, Replacing Lost
Keys, Replacing Broken Keys and MORE!
Elite Membership offers:
- Emergency Roadside Assistance and locksmith service
for any vehicle you are driving or riding in
- Travel assistance
- Bereavement Travel Assistance
- Stolen Vehicle Reward Bond & Legal Fees
- FREE custom trip routing
- FREE maps and road atlases
Protection Edge offers all the Elite Membership
benefits and services plus:
- Identity Theft Protection