Membership Required – Loans are available to Star of Texas Credit Union members and those who qualify to join.
You may be eligible if you live, work, worship, or go to school in Travis County, work for the Texas Workforce Commission, or are a family member of a member.
Applications outside our membership field can’t be approved. Pre-qualification may include a credit check.
Drive Away With an Affordable Auto Loan
Your First Step to an Affordable Auto Loan Starts Here.
Whether you're buying a new or used vehicle—or refinancing your current loan—getting started with Star of Texas Credit Union is quick and easy. Here’s how:
Confirm Membership Eligibility:
Become a Member →Apply Online: Complete our simple Auto Loan application form.
Submit: Once submitted, we’ll review your information for pre-qualification.
Let’s Talk: A Loan Officer will follow up to guide you through your options and next steps.
Membership eligibility is required for loan approval.
The road to better auto financing starts now—let’s make it happen!
Auto Loan Products
Auto Loans for Every Journey.
From first-time buyers to seasoned drivers looking to upgrade or refinance, Star of Texas Credit Union offers flexible, affordable Auto Loan options to meet your needs.
New Car Loans: Low, competitive rates
Used Car Loans: Affordable financing with flexible terms
Refinancing Options: Lower your monthly payment and save
First-Time Car Buyer Program: Designed to help you get started
Insurance and Warranty Coverage: Optional protection for added peace of mind
New Auto Loan
Finance Your Next New Vehicle with Confidence.
We make it easy to get behind the wheel of a new car, truck, or SUV with low rates, fast approvals, and personal service you can count on. Get pre-approved before you shop and walk into the dealership with the power to negotiate like a cash buyer.
Eligible for 2024–2026 models with under 10,000 miles
Dealer purchase required with invoice or buyer’s order
Fast, flexible loan approvals
Pre-approvals available for confident car shopping
Affordable insurance and warranty options
Friendly, bilingual service with a personal touch
Credit union values: people over profit
Apply online today or call (512) 458-8253 to speak with a friendly loan officer.
Used & Refinancing Vehicle Loans
Used or Refinanced—We’ve Got You Covered.
Whether you’re refinancing an existing loan or buying a used car, we offer the same great rates—so you can lower your monthly payment and get more value from your vehicle.
Flexible terms to fit your budget
Quick approvals with no prepayment penalties
Local service from loan officers who care
First-Time Car Buyer Program
Buying your first car? We’re here to help make it simple. Our First-Time Car Buyer Loan is designed to help you get on the road and start building credit with confidence.
Key Features:
Loan amounts up to $25,000
Terms up to 72 months
10% down payment required
Must be a first-time car buyer with no prior auto loans
Vehicles must be under 7 years old and under 100,000 miles
Co-signer required if credit score is below 660
*Must be a current member and meet eligibility requirements.
Insurance & Warranty
Protect Your Vehicle and Your Peace of Mind.
We offer a full suite of insurance and warranty options to help you safeguard your investment—now and down the road.
Auto, Life, and AD&D Insurance
GAP Protection
Mechanical Repair Coverage
Credit Insurance: Life & Disability
| TYPE | APR* (Annual Percentage Rate) | TERMS | EFFECTIVE DATE |
|---|---|---|---|
| New Auto Loan | as low as 4.501 | Subject to credit approval1 | 7/1/2026 |
| Used & Refinanced Loans | as low as 5.24% | Subject to credit approval | 7/1/2026 |
| First-Time Car Buyer Program | as low as 5.99% | Subject to credit approval | 7/1/2026 |
Before you apply: You must be a current SOTCU member or eligible to join, and applications may include a credit check.
Check eligibility here.