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Auto Loans that put you in the driver's seat

Get Started!

Simplify the car buying process with R1CU. We provide competitive rates, quick approval, and member discounts on your new or used auto loan.

or Call 800-375-3674

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

Rates

New and Used Auto Loans

Loan TermAPR 
24 months or lessas low as 2.45% APR*Estimate Your Payment   ➤
25 - 36 monthsas low as 3.50% APR
37 - 48 monthsas low as 3.65% APR
49 - 60 monthsas low as 3.90% APR
61 - 72 monthsas low as 4.35% APR
More than 72 monthsas low as 4.60% 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 20, 2018. Rates are subject to change without notice.

Low Rates

Competitive rates as low as 1.90% APR.

Service

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 convenient online application process to get started right away.

Apply By Phone

Questions? Call us any time to speak with a loan officer.

CALL
800-375-3674

Apply in Person

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

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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© 2018 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.