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Get a better rate for your ride.
The open road is calling.
Get pre-approved fast with an auto loan from Texas Tech Credit Union. We offer our members low rates, flexible payment plans—whether you’re buying new, used, or refinancing.
How To Get An Auto Loan
The Car Buying Process
1
Assess Your Situation
Estimate your monthly car loan payment and define your budget so you're ready to apply for an auto loan confidently.
2
Get Pre-approved
Complete the online application. We'll review it and get back to you, usually within the same day.
3
Start Shopping
Once you’re pre-approved, it's time to head to the dealership and start shopping for your car!
4
Protect Your Purchase
Before you get behind the wheel, guard your investment with our car loan protection plan.
Car financing guide
Your Roadmap to Confident Car Buying
From setting your budget to knowing what to say at the dealership, this guide is designed to prepare you for your auto buying journey.
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we've got options
safeguard your ride
Explore Protection Options
GAP Insurance
Car accidents can be devastating. Prepare for the worst with GAP insurance, which will pay any remaining balance on your loan if your vehicle is stolen or totalled and the loss isn’t covered by insurance.
Benefits
Covers the outstanding loan balance if your vehicle undergoes a total loss, ensuring you're not burdened by the financial "GAP" between the insurance payout and your remaining loan amount.
GAP insurance usually comes with reasonable premiums, making it a cost-effective way to secure yourself against substantial financial losses.
Omni-Shield Protection
Dents, body damage, lost keys and cracks to your windshield are inevitable. Avoid paying out of pocket for these expenses with multi-shield protection, which includes tire and wheel coverage, dents, and 24/7 roadside assistance.
Benefits
Coverage includes costs for tire repair or replacement, windshield repair, minor dents and dings.
Receive free towing and emergency roadside service including mechanical first aid; tire, battery, and delivery services; extricating service; auto accident towing; and lockout service.
Extended Warranty
Avoid expensive repairs after your vehicle’s factory warranty expires. Choose the repair shop or facility of your choice and drive securely knowing our comprehensive roadside assistance will keep you safe on the road.
Benefits
Saves you money by covering repair costs for mechanical and electrical failures that occur after the manufacturer's warranty expires.
Choose the level of coverage that suits your needs, ranging from basic coverage to more comprehensive plans that cover various components.
Credit Life & Disability
Prepare for unforeseen events and tragedies like loss of life, disability, or loss of employment. Credit life and disability insurance will cover the remaining balance of your loan, allowing you to deal with the important stuff.
Benefits
Assures that your loved ones won't be burdened with your outstanding loan obligations if you pass away unexpectedly, granting them financial security and stability.
Your loan payments are covered if you experience a disability, preventing the accumulation of debt during periods of reduced income.
get started
Ready to hit the road?
Don't wait any longer. Take the first step toward owning the vehicle you've always wanted.
Benefits of getting your car loan at a credit union:
Lower interest rates
Flexible repayment terms
Personalized service
*Important Information
* Based on the applicant meeting established criteria.