Auto Loan

We help our members buy the cars they want. Once approved, you can negotiate with confidence.

  • Competitive rates
  • Flexible terms to fit your budget
  • Guaranteed Asset Protection available
  • Easy online application

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Note: Need a vehicle other than a car? Try our Boat & RV, Motorcycle, or Miscellaneous Secured loan options.


Get Pre-Approved with Great Rates and Terms

Want credit confidence? Get pre-approved for your Auto Loan with our easy, online application. Whether you are looking for something new or used, look no further than Credit Human for competitive rates and flexible terms to fit your budget.

Finance up to 100% of that dream vehicle for up to 75 months at most San Antonio and Houston area auto dealerships. No penalty for early repayment!

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Ready to Apply? Complete our easy online loan application and choose Auto Loan or visit any Credit Human branch location.  If you are not yet a member, learn about how you can join us!

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Note: Your specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and relationship with Credit Human.  Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of April 13, 2012 and are subject to change without notice.  For information on current rates, call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228


Easy Online Access

When you have an Auto Loan with Credit Human, you get up-to-the minute information online, anytime — including current balances, transaction history, payment due dates, and more — when you sign up for online banking. You can even set up automatic loan payments from your Credit Human checking or savings account for the ultimate in convenience.

Learn More: Find out more about online banking and how you can sign up to manage your Credit Human Auto Loan and other Credit Human accounts.


Guaranteed Asset Protection

The value of your vehicle declines rapidly during the first few years of ownership. Most insurance companies only cover the current value of your vehicle, but Credit Human protects members by covering the “gap” between what you owe and what your vehicle is worth.  Available with any Credit Human auto loan!

Our GAP program provides coverage on new and used cars, vans, and trucks in cases where the vehicle is stolen and not recovered, or when it is deemed to be a total loss. Here’s a quick example of a total loss:

Example: Total Loss & GAP Protection
Vehicle Purchase Price
(original loan amount)
$18,000
Loan Balance
(what you still owe)
$14,000
Vehicle Value at Time of Loss
(per insurance evaluation)
$12,000
Insurance Settlement
(your benefit per your policy)
$11,000
Insurance Deductible
(your cost per the policy)
$1,000
Your Unpaid Loan Balance
(the “gap” you owe your lender)
$3,000
Your GAP Benefit
(coverage possible with GAP)
$4,000

Note: GAP and deductible reimbursement benefits are available in most, but not all, states. To check pricing or for more details call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228.


Find Great Deals with AutoSMART

Need help finding that perfect new or used vehicle? We’ve got you covered. Search online to find new and used cars nearby and get quotes sent directly to your email — then get great financing from Credit Human.

VISIT AutoSMART
Join Credit Human and Become a Member Today

Boat & RV Loan

Ready for a recreational vehicle? Creating family fun and shared memories could be a great investment for you.

Motorcycle Loan

If you feel the call of the open road or just need an efficient way to get around town, a motorcycle may be the answer.

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

Automobile (New) Rates

ProductTermRateMinimumNotes
Vehicle Year Model 201736 months3.65%APR ranging from 3.65% -10.75%
Vehicle Year Model 201748 months3.65%APR ranging from 3.65% - 10.75%
Vehicle Year Model 201763 months3.65%APR ranging from 3.65% - 10.75%
Vehicle Year Model 201769 months3.99%$15,000APR ranging from 3.99% - 11.25%
Vehicle Year Model 201775 months4.24%$18,000APR ranging from 4.24% - 11.70%

Automobile (Used) Rates

ProductTermRateMinimumNotes
Vehicle Year Model 2008-201736 months3.65%APR ranging from 3.65% - 10.75%
Vehicle Year Model 2008-201748 months3.65%APR ranging from 3.65% - 10.75%
Vehicle Year Model 2011-201763 months3.65%APR ranging from 3.65% - 10.75%
Vehicle Year Model 2012-201769 months3.99%$15,000APR ranging from 3.99% - 11.25%
Vehicle Year Model 2015-201775 months4.24%$18,000APR ranging from 4.24% - 11.70%

The specific rate and term will be dependent upon your credit rating, collateral value, amount financed, and relationship with Credit Human.

Values will be determined based on the NADA Guide.