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Automotive Loans

Vehicle Loans

Automotive Loans

General Information

Texas Trust is home to the Stress-Free Auto Loan thanks to our Stress-Free Guarantee. If you pre-qualify with Texas Trust, we’ll only pull your credit one time and give you your best rate the first time – and get you on the road quicker. You have the option to apply for your auto loan at any Texas Trust branch or complete the entire process online. With us, you’re guaranteed to get moving quicker.


Other Benefits:

  • Terms up to 72 Months
  • Discounts and special offers to all existing Texas Trust Members
  • Flexible payment options
  • Special “Skip-A-Payment” offers1
  • Access to affordable Vehicle Service Contracts, Insurance, and Guaranteed Asset Protection – all for less than 50% of what you’d pay elsewhere2

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Preferred Dealers


Vehicle Service Contract


CU Certified Vehicle Service Contract

Best in class automobile mechanical breakdown coverage for you. CU Certified pays for the replacement of covered part(s) and the labor to install the failed covered part(s). We like to call CU Certified the “Real $0 Deductible Contract” as our program pays for diagnostics, taxes, fluids, and filters in conjunction with covered repairs. National acceptance, trip interruption, wrap coverage, and 24-hour roadside assistance are some of the ancillary benefits of coverage. Is your ride CU Certified? 

CU Certified Road Hazard Tire & Wheel

Protects you against the rough road ahead as an available surcharge to the CU Certified vehicle service contract. This enhancement covers you for up to $1000 per incident with a $4000 coverage aggregate claims limit on their tires and/or wheels with a $0 deductible. Potholes, nails, broken glass, and road debris no longer need to be costly out of pocket repair for our members. See what’s covered under the CU Certified Road Hazard Tire & Wheel!



GAP (Guaranteed Asset Protection)


Don’t let a wrecked vehicle wreck your finances.

Guaranteed Asset Protection (GAP) is a great way to protect your finances if the value of your vehicle is less than the amount of your car loan. A good rule of thumb is to assume your new vehicle will depreciate more than 20% after the first year you own it, half of which occurs the minute you drive it off the lot.* This leaves a gap between what you owe on your loan and the value of your vehicle if it’s deemed a total loss due to an accident or theft. Our GAP program may reduce or eliminate the gap between what your vehicle insurance will pay and what you owe on your loan.

Contact us today to learn more about adding GAP to your vehicle loan so you can worry less about tomorrow.

*Car Depreciation: How Much Value Will a New Car Lose? CARFAX, Nov 9, 2018.

Your purchase of MEMBER’S CHOICE™ Guaranteed Asset Protection (GAP) is optional and will not affect your application for credit or the terms of any credit agreement you have with us. Certain eligibility requirements, conditions, and exclusions may apply. You will receive the contract before you are required to pay for GAP. You should carefully read the contract for a full explanation of the terms. If you choose GAP, adding the GAP fee to your loan amount will increase the cost of GAP. You may cancel GAP at any time. If you cancel GAP within 90 days you will receive a full refund of any fee paid. GAP purchased from state chartered credit unions in FL, GA, IA, RI, UT, VT, and WI, may be with or without a refund provision. Prices of the refundable and non-refundable products are likely to differ. If you choose a refundable product, you may cancel at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in CO, MO, or SC may be canceled at any time during the loan and receive a refund of the unearned fee. GAP purchased from state chartered credit unions in IN may be with or without a refund provision. If the credit union offers a refund provision, you may cancel at any time during the loan and receive a refund of the unearned fee.

GAP-2453288.1-0319-0421 © CUNA Mutual Group, 2019. All Rights Reserved.



The rates calculator is a tool to give you a general idea of your payments and does not reflect the actual availability of terms or payments. Please refer to the rates table or contact us for further information.

1: For qualified members. Certain restrictions and requirements apply.

2: According to the Federal Trade Commission, with vehicle service contracts, “The upfront cost can range from one to several thousand dollars.” Ours starts at just a few hundred.



Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo

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