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Auto Loans that put you in the driver's seat

Auto Loan Promotion

Resource One is offering 90 days of no payments on qualifying new, used, or even externally refinanced auto loans! Not only that, but our rates are historically low! What a deal! If your current auto is 6+ months old, you could benefit from our all-time low rates! Have your loan with another lender? Let us review your rate and refinance your loan to Resource One.
90 Days No Pay

Features and Benefits

No matter what type of vehicle – new or used – you’re looking to buy, we make it easy to get the financing you need. With a wide selection of financing options and flexible terms, we can help you keep your monthly payments where you want them. The best place to start is getting pre-qualified. You’ll feel more in control when you’re at the dealership knowing what you have to spend and be able to negotiate a better price. Once you’ve found your new vehicle, we’ll be ready with your financing to make your purchase a quick and smooth process.

  • Wide variety of loans for new and used vehicles, as well as motorcycles and RVs
  • You’ll always receive a competitive rate – with no application fee when booked at Resource One Credit Union
  • Loan Payment Protection Products – Protect your investment after you buy


New and Used Auto Loans

Loan Term APR
36 months or less as low as 1.99% APR
37 - 48 months as low as 2.19% APR
49 - 60 months as low as 2.49% APR
61 - 72 months as low as 2.89% APR
72 - 78 months as low as 3.39% APR
79 - 84 months as low as 4.04% APR

APR= Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Rates refer to consumer loans and do not apply for commercial loans. All loans subject to approval. Rates as of October 21, 2021. Rates are subject to change without notice.

Low Rates

Competitive and low rates.


Personalized service. We help you every step of the way.

Quick & Easy

Quick and easy process to save you time.

Auto Loan Application Process

A Resource One Credit Union auto loan could get you on the road again with a great rate quickly.

Submit an application

To get the loan process started, first submit an online loan application. You can also apply by calling 800-375-3674.

Get pre-qualified

We will process your application and notify you when your pre-qualification is completed, usually the same day.

Negotiate the best deal

Be sure to bring your loan pre-qualification to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Save even more time and money when you use Auto Research Service.

Complete your loan documents

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.

Finalize your financing

We’ll send the funds to you or the dealer.

Car Loan FAQs

How can being pre-qualified help me when I’m vehicle shopping?

Being pre-qualified helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, dealers tend to take people more seriously when they come in with pre-qualified financing because it means you’re ready to do business and not just “window shopping.”

How fast can I be approved for a vehicle loan? Will funds be available same day?

In many cases, your funds may be available the same day. We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer your questions and help expedite the simple application and approval process.

Can I pay off my loan quicker than the payment schedule?

Absolutely. At Resource One, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

When you’re pre-qualified, you hold the keys

How does being pre-qualified help you? When dealers see that you’re pre-qualified, they know you are a serious buyer. They’ll be ready to make a good deal to get your business, and you can be confident knowing that you have a low-rate financing option with Resource One Credit Union.

Why Choose Resource One Credit Union?

As a credit union, Resource One has a lot to offer our members that differentiate us from banks and other financial institutions.

Ability to Join

Do you live or work in Dallas or Northwest Harris County? You can join!

Trust & Personal Service

We are committed to you. Every decision we make is about helping you, our member succeed, not a stockholder.

Community Focused

As a member of a credit union, you get to be a part of something larger. Resource One is committed to helping the members of our community and that includes you.

Return Money to Members

Most importantly: Resource One is a not-for-profit financial cooperative which means, all of our profits return to you, our member, in the form of lower rates on loans and higher interest rates on deposits.

That’s the credit union difference!

Ready to Get Started?

Apply Online

Use our easy online application process to get started right away.

Apply Now

Apply in Person

Visit any of our locations to start the process of your new loan.

Find a Branch

Apply by Phone

Questions? Call us anytime to speak with a specialist.


Debt Protection with Life Plus

Does your family have a safety net if the unexpected hits?

Life can be wonderful. But it can also get complicated when unexpected things happen. Protecting your loan balance or loan payments against death, disability, or involuntary unemployment could help protect your finances.

Debt Protection with Life Plus adds protection for financially-stressful life events such as accidental dismemberment, terminal illness, hospitalization, family medical leave, and the loss of life of a non-protected dependent. Call Resource One Credit Union at 1-800-375-3674 and ask about protecting your loan payments today.

Your purchase of Debt Protection with Life Plus is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions, and exclusions may apply. *Please contact your loan representative or refer to the Member Agreement for a full explanation of the terms of Debt Protection with Life Plus. You may cancel the protection at any time. If you cancel protection within 30 days, you will receive a full refund of any fee paid.


It’s simple to apply for Debt Protection with Life Plus.

APR=Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. Offer applies to consumer loans and does not qualify commercial vehicles or loans. All loans subject to approval. Restrictions may apply; see credit union for details.

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© 2021 Resource One Credit Union. All rights reserved.

Resource One Credit Union is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical braches accessible, but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please call us at 800-375-3674 so that we may promptly assist you and remedy any accessibility concerns.