Last Updated: 04/18/2025
Houston Federal Credit Union Auto Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
N/A
APR (Fixed APR)
4.89% - 6.39%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 84
Houston Federal Credit Union Auto Loans Review
Houston Federal Credit Union Auto Loans is offered by Houston Federal Credit Union, a credit union founded in 1960 and based in Sugar Land, TX. houston federal credit union are available in 50 states and Washington, DC.
houston federal credit union FAQ
What APR does houston federal credit union offer on its car loans?
houston federal credit union offers a fixed apr car loan product that ranges from 4.89% APR up to 6.39% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with houston federal credit union?
houston federal credit union has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does houston federal credit union charge an origination fee?
Yes, houston federal credit union may charge a loan origination fee .
Does houston federal credit union charge a late fee?
Yes, houston federal credit union charges borrowers with a late payment penatly fee
Does houston federal credit union charge prepayment fees?
Yes, houston federal credit union does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my houston federal credit union loan?
Yes, you can. However, houston federal credit union charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for Houston Federal Credit Union Auto Loans?
Houston Federal Credit Union Auto Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Houston Federal Credit Union Auto Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Houston Federal Credit Union Auto Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
Does Houston Federal Credit Union Auto Loans report your account activity to credit bureaus?
Yes, Houston Federal Credit Union Auto Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Houston Federal Credit Union perform a hard credit pull?
Yes, houston federal credit union performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is houston federal credit union a legit company?
houston federal credit union was founded in 1960, it is a well-established company that has been in business for 66 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
8:00AM - 2:00PM