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
  • 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.

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Note: Your specific rate and term will be dependent upon your credit rating, collateral value, and amount financed. Vehicle values are determined based on the NADA Guide. Annual Percentage Rates (APRs) are effective as of February 1, 2021 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.


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.

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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 Rates

ProductTermRateMinimumNotes
Vehicle Year Model 2012 & Newer48 months4.79%$7,500APR ranging from 4.79% - 10.59%
Vehicle Year Model 2012 & Newer60 months4.89%$7,500APR ranging from 4.89% - 10.79%
Vehicle Year Model 2017 & Newer72 months4.99%$7,500APR ranging from 4.99% - 10.99%*
Vehicle Year Model 2019 & Newer84 months5.49%$30,000APR ranging from 5.49% - 5.99%**

The specific rate and term will be dependent upon your credit rating, collateral value, and amount financed. Values will be determined based on the NADA Guide. * Minimum FICO score 680 needed to qualify for 76 - 78 month term financing ** Minimum FICO score 700 need to qualify for 79 - 84 month term financing *** Minimum amount financed $7500 up to 78 month financing terms **** Minimum amount financed $35,000 for 79 - 84 month financing terms

Learn More: Available discount: 20 bp off rate for Electric and Hybrid Vehicles*

*Rate Effective Date: 02-23-2022