Auto and Motorcycle Solutions

At Houston Police Credit Union, we look for every way to save our members money. For a limited time only,  we've got some opportunities you won’t want to pass up. Whether you're browsing for a new (or new-to-you) auto or motorcycle or simply looking to refinance that higher rate loan from another lender, HPCU has the perfect solution! Pick your pleasure below by clicking on the option that best fits your needs.

 

Purchase from a Dealer/Individual

Are you in the market to purchase a new or pre-owned auto or motorcycle? Finance your auto or motorcycle and get up to 0.50 off!2 Let HPCU put you in the driver’s seat with a rate as low as 1.49% APR for up to 60 months1, a fast and easy application process and no payments for 90 days3.2

  

New or Pre-Owned Auto or Motorcycle, 2013 or Newer1
Credit Score3 Up to 60 Months 61 - 72 Months
680 or higher 1.49% APR1 2.49% APR1
640 - 679 2.49% APR1 4.49% APR1
600 - 639 3.74% APR1 5.74% APR1
560 - 599 9.99% APR1 11.99% APR1
559 or lower 12.99% APR1 12.99% APR1

  

Pre-Owned Auto, 2012 or Older
Credit Score3 Up to 36 Months
680 or higher 3.49% APR1
640 - 679 5.49% APR1
600 - 639 6.74% APR1
560 - 599 12.74% APR1
559 or lower 15.74% APR1

  

Visit any of our branches, give us a call at 713.22.LOANS or apply online.

Apply Today

 
1 APR = Annual Percentage Rate. “As low as 1.49% APR” based on loan term of 60 months or less for new and pre-owned autos and motorcycles year 2013 and newer. Rate may vary based on longer term. Autos and motorcycles year 2013 and 2014 may qualify for a shorter term. Auto loan payment example: At 1.49% APR on a $10,000.00 loan with a 60-month term, monthly payment would be approximately $173.16. Rate current as of July 1, 2019 and is subject to change based on market conditions and borrower eligibility. Qualifying HPCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral. Refinance restrictions apply. Current HPCU loans cannot be refinanced at this rate. Other qualifications may exist. Membership eligibility is required.
2 This offer is available on new or pre-owned auto and motorcycle purchases from a dealer or individual between July 1, 2019 and the end date as determined by HPCU and is not valid to refinance existing Houston Police Credit Union loans. New or pre-owned auto, motorcycle, boat, Jet Ski and recreational vehicle refinances from another lender do not qualify for this offer. New or pre-owned boat, Jet Ski and recreational vehicle purchases from a dealer or individual do not qualify for this offer. Pre-owned title/cash autos and motorcycles do not qualify for this offer. Older model auto refinances from another lender do not qualify for this offer. This offer may not be combined with any other HPCU offer. See Official Promotion Rules for specifics and eligibility. Contact a HPCU representative for full details.
3 Credit score of 640 or higher required to qualify for 90-day no payment option. Credit score will be established by TransUnion FICO 9.

Refinance from Another Lender

Are you in the market to refinance your current auto or motorcycle? Refinance your new or pre-owned auto or motorcycle from another lender with a rate as low as 1.99% APR for up to 60 months1 and no payments for 90 days3. At closing, we’ll waive the title application fees and give you 1.00% of the loan amount back in cash!2

  

New or Pre-Owned Auto or Motorcycle1
Loan Amount Cash-Back Award2
$150,000.00 $1,500.00
$100,000.00 $1,000.00
$75,000.00 $750.00
$50,000.00 $500.00
$25,000.00 $250.00

  

Visit any of our branches, give us a call at 713.22.LOANS or apply online.

Apply Today

 
1 APR = Annual Percentage Rate. “As low as 1.99% APR” based on loan term of 60 months or less for new and pre-owned autos and motorcycles year 2013 and newer. Rate may vary based on longer term. Autos year 2013 and 2014 may qualify for a shorter term. Auto loan payment example: At 1.99% APR on a $10,000.00 loan with a 60-month term, monthly payment would be approximately $175.37. Rate current as of July 1, 2019 and is subject to change based on market conditions and borrower eligibility. Qualifying HPCU criteria applies for all loans. Maximum qualifying term may vary based on year of collateral. Refinance restrictions apply. Current HPCU loans cannot be refinanced at this rate. Other qualifications may exist. Membership eligibility is required.
2 This offer is available on new or pre-owned auto and motorcycle refinances from another lender between July 1, 2019 and the end date as determined by HPCU and is not valid to refinance existing Houston Police Credit Union loans. New or pre-owned auto, motorcycle, boat, Jet Ski and recreational vehicle purchases from a dealer or individual do not qualify for this offer. New or pre-owned boat, Jet Ski and recreational vehicle refinances from another lender do not qualify for this offer. Pre-owned title/cash autos and motorcycles do not qualify for this offer. Older model auto purchases from a dealer or individual do not qualify for this offer. The cash-back award amount will be calculated at 1.00% of the loan amount. If the loan is closed within 24 months of opening, the cash-back award will be forfeited in full and added to the payoff amount. If you participate in this offer, you may receive Form 1099-MISC at year-end for tax purposes. HPCU will pay the title application fee on behalf of the member to include HPCU as the new lienholder. If there is a change in ownership, the registration is not current and/or the vehicle is registered in a state other than Texas, sales tax, registration fees, inspection fees and other applicable fees due are the responsibility of the member. This offer may not be combined with any other HPCU offer. See Official Promotion Rules for specifics and eligibility. Contact a HPCU representative for full details.
3 Credit score of 640 or higher required to qualify for 90-day no payment option. Credit score will be established by TransUnion FICO 9.
 

Hurry though— these offers won't last long!

 

Resource Center

How Can We Help?

Learn More
Learn More
Learn More

Back to Top