Auto Loans Waco, TX

1st University Credit Union

hit i-35 in style

Shopping for a new or used car or truck? You've already got plenty to think about: makes, models, optional equipment, colors and so on. When it comes to financing, make it easy on yourself with an auto loan from 1st University Credit Union. We have auto loans available for new and used cars and trucks. We can even refinance¹ your current auto loan to get you a lower payment.

Our auto loans feature competitive interest rates and the kind of efficient, personalized service that only your credit union can provide. Experience the Waco open roads when you finance your new or used vehicle at 1st University Credit Union!

let your windows down with competitive rates

Whether you’re searching for a graduation gift or an upgraded ride to fit your style, we have the auto loan for you. You’ll enjoy flexible loan terms that help you move one step closer to your next road trip.

To check out our competitive rates and terms on auto loans, head to our rates page.

GAP Plus Protection

GAP PLUS PROTECTS YOU WHEN YOU NEED IT MOST – WHEN YOUR VEHICLE IS DECLARED A TOTAL LOSS OR IS STOLEN AND NOT RECOVERED.

It pays the difference between your primary auto insurance settlement and the unpaid net balance of your loan. GAP will even cover your primary auto insurance deductible, up to $1,000.00, and is available for both new and used vehicles. Also, with GAP Plus Protection, if your vehicle is declared a total loss or is stolen and not recovered, and you finance your replacement vehicle with 1st University Credit Union, within 90 days, you will receive a $1,000.00 credit towards the replacement vehicle. GAP Plus can be added to new or used vehicle loans, at any time! So call the Credit Union to add this valuable protection today!

Vehicle Service Contract

YOUR VEHICLE IS NOT ONLY AN INVESTMENT, IT’S YOUR TRANSPORTATION LIFELINE.

Our VSC (Vehicle Service Contract) plans, provide you the peace of mind knowing your investment is protected. With over 13,000 mechanical parts that can break down on a vehicle, repair bills can be costly. With our comprehensive VSC plans you will avoid these expensive repairs to your vehicle. You choose the repair facility of your choice and all plans include: Roadside Assistance, Rental Car Assistance, Tire Protection, and Trip Interruption. Our prices are usually hundreds of dollars less than the dealerships and provide the same, or better coverage. Coverage is available on most vehicles, with unlimited miles currently on your vehicle, and can be added at any time, so you are eligible.

MORE FINANCING OPTIONS

1st University Credit Union also offers:

• Mortgages, Home Improvement Loans, Home Equity Loans

• Education Loans to either the Student or Parents

• Personal (Signature) Loans

• Loans for outdoor fun such as boats, RVs, motorcycles, and more

COME JOIN THE 1ST UNIVERSITY CU FAMILY

You can become a member of 1st University Credit Union by opening and depositing $5.00 or more into a share savings account. $5.00 is the minimum balance that you must maintain in your account while it is open. Once your share account is open, you are eligible for all other credit union services.

Membership is open to anyone. Typically, our current members include:

• People who live, work, or worship in the Waco, Texas area

• Baylor University Students, Employees, Alumni, and members of the Baylor Air Force ROTC

• Aramark Employees

• People who work or reside in Baylor-owned properties

• Relatives of current 1st UCU members

• Baylor Alumni by Choice - members of this association are friends of BU, but not traditional alumni

A 1st University Credit Union membership is for life, no matter if there is a change in employment, family relationship, or place of residence. 

Ready to get started? Click on the button to open your account online, visit your local branch, give us a call, or request to talk to a representative who can help answer your questions!