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Best for: Texas residents seeking flexible 36-to-84 month terms and high LTV financing

Texans Credit Union

Texans Credit Union — competitive auto refinance rates for Texas residents with terms up to 7 years.

Min credit
Not disclosed
APR
From 5.04%
Max vehicle age
Not disclosed
Max mileage
Not disclosed

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"Not disclosed" means Texans Credit Union does not publish this on their public site. "No restriction" means Texans Credit Union explicitly states no limit.

Overview

Texans Credit Union offers auto loan refinancing for both existing members and new members who qualify through Texas residency or specific county affiliation. They provide the same competitive rates for refinancing as they do for new and used purchases, with terms ranging from 3 years up to 7 years.…

What’s great

  • Competitive starting APR of 5.04% for new vehicles
  • Flexible terms ranging from 36 to 84 months
  • Broad membership eligibility for all Texas residents

What to know

  • Refinancing an existing Texans auto loan incurs a $50 fee
  • Minimum loan amounts vary by term length, starting at $5,000

Eligibility

Minimum credit scoreNot disclosed
APR rangeNot disclosed
APR floor (as low as)From 5.04% — minimum only; full range not published
Maximum vehicle ageNot disclosed
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term length36 – 84 months
States servedNot disclosed
Membership requirementOpen to Texas residents via Texas Consumer Council membership, those who live/work/attend school in specific Texas counties, employees of preferred businesses, or immediate family of members.

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Texans Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Texans Credit Union before applying.

  1. [1]Auto Loan Rates — Texans Credit Union
    https://www.texanscu.org/rates/auto-loans
    Last checked: October 2026
  2. [2]Auto Refinancing — Texans Credit Union
    https://www.texanscu.org/products/loans/vehicle-loans/auto-refinancing
    Last checked: October 2026
  3. [3]Membership Eligibility — Texans Credit Union
    https://www.texanscu.org/about/membership
    Last checked: October 2026