Auto Loans Made Easy!
Take advantage of our great auto loan promotional rates. Best in Texas for your lending needs!
Rates starting as low as*
4.75% APR
MAXIMUM TERM UP TO 36 MONTHS • 2022 YEAR MODELS AND NEWER
MINIMUM CREDIT SCORE 760 • PAYMENT EXAMPLE 36 MONTHS: $29.86 PER $1,000
4.85% APR
MAXIMUM TERM UP TO 72 MONTHS • 2023 YEAR MODELS AND NEWER
MINIMUM CREDIT SCORE 760 • PAYMENT EXAMPLE 72 MONTHS: $16.04 PER $1,000
5.55% APR
MAXIMUM TERM UP TO 84 MONTHS • 2025 YEAR MODELS AND NEWER
MINIMUM CREDIT SCORE 760 • PAYMENT EXAMPLE 84 MONTHS: $14.40 PER $1,000
*ETPCU membership required. Term may vary based on year model. Rates and terms subject to change without notice. Not applicable on existing ETPCU loans and no other discounts apply. Subject to: credit score, loan to value, age of collateral, and normal ETPCU underwriting guidelines. Additional restrictions may apply.
For additional rate and term options, please view our Consumer Loan Base Rates.
Consumer Loan Base Rates
All consumer loan interest rates shown are the Credit Union’s base rates. These rates may vary based on member’s credit risk score, loan term, loan-to-value ratio (secured loans) and age of collateral. All loans are subject to East Texas Professional Credit Union’s normal credit guidelines.
Loan rates are effective as of January 16, 2026. Rates are subject to change without notice.
TYPE
|
APR* |
TERM |
New Vehicles 2027-2025 Models
|
5.49% (base rate) |
Please call for information |
Used Vehicles 2024 Models
|
5.89% (base rate) |
Please call for information |
| Used Vehicles 2023 Models |
6.29% (base rate) |
Please call for information |
| Used Vehicles 2022 & Older Models |
6.39% (base rate) |
Please call for information |
Motorhomes and Travel Trailers
2023 & Newer Models |
as low as 8.00% |
Please call for information |
Used Motorhomes and Travel Trailers
2022 & Older Models |
as low as 8.50% |
Please call for information |
New Boats and Tractors 2026 – 2024 Models
|
as low as 7.00% |
Please call for information |
Used Boats and Tractors 2023 & Older
|
as low as 7.50% |
Please call for information |
Motorcycles, ATVs, Personal Watercraft 2026 – 2020 Models ($12,000+)
|
as low as 6.99% |
Please call for information |
Motorcycles, ATVs, Personal Watercraft 2019 & Older Models ($12,000+)
|
as low as 7.49% |
Please call for information |
Personal Loans
|
as low as 8.95% |
N/A |
Instant Cash Loans
|
6.75% |
N/A |
Share Secured
|
6.75% |
N/A |
Term Share Certificate Secured
|
2.00% above TSC rate |
N/A |
Express Cash Loans
|
18% |
Please call for information |
Credit Builder Loans
|
6.00% above TSC rate |
N/A |
