Vehicle Loans
You’re used to driving around on patrol and after all that, we at Houston Police Credit Union think you deserve a sweet ride.
Auto & Motorcycle
Auto & Motorcycle Loan
Being a member of HPCU means you’ll always get one of the best rates on an auto or motorcycle loan.
New
Is a new vehicle or motorcycle on your radar? Let HPCU help you finance your new ride!
- Great low rates
- 90 Days deferred payments with an HPCU auto loan*
- No annual fees or pre-payment penalties
- Flexible terms up to 84 months, based on model year
- Financing up to 135% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
Take advantage of our tools and resources.
- Auto Buying Partner—Access local car inventory and get free reports before you buy
- NADA Guide—Get informed about pre-owned vehicles and motorcycles before you buy
- Auto Exam—Get your pre-owned vehicle inspected before you buy it
|
Pre-Owned
Is a pre-owned vehicle or motorcycle the better option for you? Let HPCU help you finance your next ride!
- Great low rates
- 90 Days deferred payments with an HPCU auto loan*
- No annual fees or pre-payment penalties
- Flexible terms up to 84 months, based on model year
- Financing up to 135% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
Take advantage of our tools and resources.
- Auto Buying Partner—Access local car inventory and get free reports before you buy
- NADA Guide—Get informed about pre-owned vehicles and motorcycles before you buy
- Auto Exam—Get your pre-owned vehicle inspected before you buy it
|
Refinance
Wishing you had a lower payment on your current auto or motorcycle loan? Great news! You may be able to refinance from your current lender with HPCU for a lower payment, better rate or both. Our rates, terms and payment options are the tools you need to make paying off your loan easy.
- Great low rates
- 90 Days deferred payments with an HPCU auto loan* (external refinance only)
- Flexible terms up to 84 months, based on model year
- Financing up to 135% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
Get pre-approved before you shop.
Before you head to the dealership, get a pre-approval so you know your bottom line ahead of time. Visit our Auto Buying Partner for free Vehicle Pricing Reports to save time, money and avoid surprises at the dealer. Also, use the NADA Guide for new vehicles and motorcycles so you can make the most informed decision before you purchase.
To find out more about our great rates on an auto or motorcycle loan, visit any of our branches or give us a call, today.
|
Boat & Jet Ski
Boat & Jet Ski Loan
Love to be on the water and in the market to buy a new toy? We’re here to help! HPCU offers great rates and flexible terms.
New
Buying a new boat or Jet Ski is a big decision. Make that decision easier with a loan from HPCU. With flexible financing, you’ll be enjoying the open waters and catching waves in no time.
- Competitive low rates
- Flexible terms up to 60 months on Jet Skis
- Flexible terms up to 180 months on boats
- Financing up to 100% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
Before you buy, visit the NADA Guide for help making a well-researched decision.
|
Pre-Owned
When you’re in the market for a pre-owned boat or Jet Ski, take advantage of HPCU. Our competitive rates and flexible terms make financing a breeze.
- Competitively low rates
- Flexible terms up to 48 months on Jet Skis
- Flexible terms up to 180 months on boats
- Financing up to 100% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
Make sure someone else’s headache isn’t passed on to you. Before you purchase a pre-owned boat or Jet Ski, visit the NADA Guide to make a well-informed decision.
|
Refinance
Does a lower payment or better rate on your current boat or Jet Ski loan sound nice? You may be able to refinance from another lender with HPCU. Our rates, terms and payment options are the tools you need to make paying off your loan easy.
- Competitively low rates
- Flexible terms up to 60 months on Jet Skis
- Flexible terms up to 180 months on boats
- Financing up to 100% of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
To find out more about our great rates on a boat or jet ski loan, visit any of our branches or give us a call, today.
|
Trailer & RV
Trailer & RV Loan
If you’re looking to enjoy the open road, then look no further than HPCU. We have trailer and RV loans with competitive rates and convenient terms.
New
Purchasing a trailer or RV is a major decision but often it's the best solution for traveling relatively inexpensively. HPCU is here to help you every step of the way.
- Great low rates
- Flexible terms up to 36 months on horse trailers
- Flexible terms up to 48 months on utility trailers
- Flexible terms up to 180 months on travel and luxury horse trailers
- Flexible terms up to 180 months on RVs
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
Pre-Owned
That pre-owned trailer or RV is perfect for you and your family. So why not follow your heart and make the purchase? HPCU has the perfect loan solution.
- Great low rates
- Flexible terms up to 36 months on horse trailers
- Flexible terms up to 48 months on utility trailers
- Flexible terms up to 180 months on travel trailers and luxury horse trailers
- Flexible terms up to 180 months on RVs
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
Refinance
Searching for alternatives to your current trailer or RV loan to lower your payment or improve your rate? You may be able to refinance from your current lender with HPCU. Our rates, terms and payment options are the tools you need to make paying off your loan easy.
- Great low rates
- Flexible terms up to 180 months on trailers
- Flexible terms up to 180 months on RVs
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
To find out more about our great rates on a trailer or RV loan, visit any of our branches or give us a call, today.
|
ATV
ATV Loan
Let HPCU help you get a little dirty on your next off-road adventure. We finance ATVs at great rates that save you money.
New
Don’t let the price tag on that ATV scare you. HPCU is here to help you secure financing for your new ATV.
- Competitively low rates
- Flexible terms up to 60 months
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
Pre-Owned
When you’re playing in dirt, a pre-owned ATV might seem more practical. Regardless of your decision, secure the perfect financing with a loan from HPCU.
- Competitively low rates
- Flexible terms up to 48 months
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
Refinance
Your monthly payment could be lower on your ATV Loan so call your current lender today! You may be able to refinance with HPCU. From flexible rates and terms to convenient payment options, we have everything you need to make repaying your loan easy.
- Competitively low rates
- Flexible terms up to 60 months
- Up to 100% financing of the vehicle's value for qualified borrowers
- Convenient payment options including HPD payroll deduction
- Vehicle Protection coverage1
- Payment Protection coverage2
- Easy, fast approvals
|
To find out more about our great rates on an ATV loan, visit any of our branches or give us a call, today.
|
Other
Other Collateral Loan
Locating financing options for those extraordinary needs can be a pain. HPCU finances those uncommon collateral purchases on a case-by-case basis provided a value can be established and we can secure a legal lien against it. From classic vehicles to tractors, we’ve got the perfect loan for you.
To find out more about our great rates on other loans, visit any of our branches or give us a call, today.
|
1 There are no implied or express warranties or guarantees of any kind in connection with the vehicle inspection service. The vehicle inspection is intended solely as an "evaluation" of said vehicle's condition at the time and date of examination. Auto Exam specifically disclaims any liability for any loss or damage arising in connection with ownership or operation of said vehicle AND further disclaims any liability of any hidden wreck, flood damage or tampered components not readily apparent. The items visually inspected were in the reported condition listed in the report at the time of the inspection only. Further disclaimed is any liability for any damage or defects not found during this inspection. Other conditions may exist which did not occur or appear during inspection. This report is for information only and is not to be considered a recommendation for or against the purchase of the inspected vehicle. Therefore, any liability is strictly limited to the amount charged for this report. You unconditionally agree to the foregoing terms by ordering and consenting to this inspection report. GAP is not offered as borrower collision, medical or comprehensive insurance coverage and is not required to obtain credit. However, Houston Police Credit Union has purchased insurance coverage underwritten by QBE First which covers payment of GAP claims that may occur. The GAP amount waived on all eligible collateral shall not exceed $50,000.00. The extended warranty program is insured by First Colonial Insurance Company (Home Office: Jacksonville, FL) or Northbrook Indemnity Company (Home Office: Northbrook, IL); each of these entities are members of the Allstate® family of companies.
2 Insurance products are issued by Minnesota Life Insurance Company a Securian Company (Home Office: St. Paul, MN).
*Members must meet the credit eligibility requirements with a credit score of 640 or higher to qualify for the 90-day no payment option (deferred payments). Member must finance a new auto, pre-owned auto, or refinance their auto from another financial institution.
APR = Annual Percentage Rate. All loans subject to credit approval. Variable APR personal, comaker, line of credit, savings secured and Share Certificate secured loans are subject to change based upon changes in the following index: the average of the next three (3) auction average rates quoted on a bank discount basis for 26 week treasury bills issued by the United States Government, as published by the Federal Reserve Board for the week in which the rate is contracted for, beginning 60 days prior to the date of change. Upon a minimum 45-day advance notice, adjustable APR credit cards are subject to change based on market conditions. Variable APR HELOC loans are subject to change with the market based on the Prime Rate. Certain credit criteria, terms and restrictions apply. Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Rates, terms and conditions are subject to change without notice. For more information, please contact Houston Police Credit Union at 713.986.0200 or 800.927.8707.
|
|
