Auto Loans

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Car Loans designed to put you in the driver's seat...

Vehicle loans created for you with affordable payment options and flexible terms.

From cars to campers, Texas Bay can help you reach your destination. Whether it is new, used, or refinance, we'll get you in the driver's seat with competitive rates, easy payment options and extra benefits that you won't find anywhere else! Texas Bay is even here to help you find your next car with preferred dealers to get you the best price possible.

Are you a first-time buyer? We have options for you!

Benefits to getting your next auto loan at Texas Bay...

  • Find your next car with our new, user-friendly car buying service right from the Texas Bay website and the comfort of home
  • Access to the myEZ Car Care app, which provides you service reminder, safety information, local discounts on vehicle maintenance and much more!
  • No payments for 90 days1
  • Competitive Rates
  • Flexible Terms
  • Convenient online loan application
  • Easy online and automatic transfer options
  • Twice a year Skip-a-Payment opportunities
  • Low cost asset protection options available (GAP protection & Mechanical Breakdown protection)
  • Local Auto Exam inspection ensures you avoid lemons
  • Vehicle loans available for motorcycles, boats, ATVs and RVs
  • And MORE!!!

Not sure which account is right for you?

Click on the AccountMatch icon and answer a few simple questions to be guided to the best accounts to help you achieve your goals.

Get more for less with a SaveEasy Auto Loan. 

Experiencing “sticker shock” while shopping for a new or pre-owned vehicle?  Are you lowering your standards to get the vehicle payment you can afford instead of the vehicle you want?  Are you financing your vehicle for longer loan terms than you prefer just to get a low payment? 

If you answered “Yes” to any of these questions, Texas Bay Credit Union has a solution for you!

SaveEasy Auto Loan can put you behind the wheel of that new or pre-owned vehicle you want, with a monthly payment you can afford.  Similar to a lease, the program offers monthly payments considerably lower than conventional financing.  Yet, unlike a lease, the vehicle is titled in your name – you own the vehicle without all the hassle or hidden costs associated with leasing.

Discover the advantages:
  • LOW Payments
  • $0 Down
  • You Own It
  • Better Mileage Options
  • Up to Five Model Years Old are Eligible
  • And Much More!
Find out how low your SaveEasy Auto Loan payment could be!

Life gives you enough to worry about, adding GAP Protection to your auto loan you no longer need to worry about the "What if...".  Should you find your self in the unfortunate situation of an auto accident and your car is deemed a total loss, GAP Protection waives the difference between the insurance settlement and payoff of your loan.

With GAP Protection should you still have a deficiency of the balance from your totaled vehicle, it can also provides you an additional credit of $1,000 toward the financing or lease of a replacement vehicle if done with the same financial institution.

Learn more about such an important addition to your auto loan and to provide you piece of mind.

Is your current vehicle manufacturer’s warranty about to expire?  Mechanical Breakdown Protection, also known as an Extended Warranty, is automobile protection that extends beyond the manufacturer’s factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible.

contact us to learn more
Whether you're looking for an initial car warranty or your warranty is about to or has expired, healthCAR can help. healthCAR is a unique month-to-month vehicle extended warranty that offers after-market vehicle protection at an affordable price. Protect your car and your pocketbook from costly repairs with simplified pricing and no long-term contracts. 

When looking to purchase a used car, protect yourself and avoid lemons by scheduling an inspection by a trained mechanic. The State of Texas requires that a seller disclose whether a vehicle has been damaged whether from an accident or flood, but it's not always the case that they do. So, before you commit to purchasing that perfect used vehicle, consider getting the vehicle inspected by a local company such as Auto Exam.

Auto Exam offers the following:

  • Bumper to Bumper inspection – Complete mechanical inspection on used vehicles before you buy.
  • Appraisal – The average loan, trade in, and retail after the inspection.
  • History Report – Through a national database, get a complete vehicle history report.
Contact Auto Exam for current inspection costs and ensure you get a quality vehicle!

Texas Bay Insurance Group offers competitively-priced vehicle insurance that fits your budget with a wide range of coverages.  When you apply for any Auto Loan at Texas Bay, let us help you make those insurance decisions with a complimentary policy review. 

Contact one of our experienced agents today:
Lorrie Freeman
Janette Cisneros
*Asistencia para miembros de habla hispana

Yes, Texas Bay Credit Union does offer financing options for electric vehicles. It is the same process as acquiring an auto loan. Click here to apply for an auto loan. 

No, there is no penalty for paying off your auto loan early. 

You should apply for your auto loan within 30 days of when you expect the vehicle to be delivered.

Interested, but would you like to speak Texas Bay Team Member prior to applying?

No problem! Our Financial Service Representatives are here to help answer all questions and assist you in finding your next car to get you in that drivers seat. 


Membership eligibility required. Relationship Product Discounts lower your rate up to a .50% reduction from the standard rate. The standard rate is based on your credit at the time of application. Discounts per product vary. A combination of products reach up to .50% rate reduction. 1Restrictions apply.