Office: 713-232-7774    Fax: 713-232-7122


By clicking any third-party link, you will leave this website and be redirected to a third party site. The mere fact that there is a link between this web site and another does not constitute a product or program endorsement by Southern Federal Credit Union or any of its employees. Southern Federal Credit Union has no responsibility for content of the web sites found at these links, or beyond, and does not attest to the accuracy or propriety of any information located there. Privacy and security policies on the third party website may differ from those practiced by Southern Federal Credit Union. The credit union does not represent either the third party or the member if the two enter into a transaction.

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
  • Member Auto Center – Car Buying Assistance

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 situation.

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 a lemon.

Additional SFCU Features:
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 with us.

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 through Auto Exam give you greater purchase protection. Compare our plans with others before you buy to see how much you can save with us.

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