Get Pre-Approved for your next Auto Loan with us. Don’t wait until you are at the dealership to decide which is the best loan and best rate for you.
When you get pre-approved from the credit union with a new or used auto loan, you can work with the dealership to know you are getting the best rate of interest and the best Service Contract and GAP pricing. Once approved, we’ll send you a loan preapproval letter with all the information the dealership will need. Don’t get forced into a bad deal; come to the credit union first!
Reap the benefits of a loan from Brazos Star CU!
- Competitive rates on new or used cars and trucks
- Refinance an existing auto loan financed with another lender at a lower rate
- Get pre-approved for less hassle at the dealership
- Flexible terms for affordable payment plans
- Convenient automatic payments; monthly, semi-monthly, or bi-weekly options
- No prepayment penalty to pay off loan quickly
- One-on-one personal service with Brazos Star Credit Union’s expert auto lender
- Local processing — local decisioning for fast approvals
Now, Get A First Payment Deferral of 60 Days!
All loan rates shown below are quoted as Annual Percentage Rates (abbreviated APR). All consumer loans are calculated on a simple interest basis and carry no pre-payment penalties or pre-paid interest charges. Optional credit life and credit disability insurance is available to most borrowers on all types of loans through CUNA MUTUAL INSURANCE. Loan rates are published showing qualifying ranges by loan types. Your Annual Percentage Rate is determined by your individual credit rating score that is obtained from a credit reporting agency. Your interest rate, term and payment amount will be determined when we process your loan application. Rates and terms are subject to change without notice.
| Loan Type | Maximum Term | APR Ranges (%)* |
| New, current year model vehicles and up to three calendar years old with low mileage (Take a courtesy credit of 0.25%, if financed less than 36 months) | Up to 48 Months | As low as 4.99% |
| – | Up to 60 Months | As low as 5.25% |
| – | Up to 72 Months | As low as 5.50% |
| *Vehicles over $50,000 | 84 Months | As low as 5.99% |
| Used Vehicles older than 3 years | Up to 48 Months | As low as 5.25% |
| – | Up to 54 Months | As low as 5.50% |
| – | Up to 60 Months | As low as 5.75% |
| NEW! | Up to 72 Months | As low as 6.25% |
| (Mileage over 85,000, add .50% to rate Maximum financing terms < 150,000 | ||
| New Boats, Motors and Trailers | Up to 96 Months | As low as 6.99% |
| Used Boats, Motors and Trailers | Up to 72 Months | As low as 8.25% |
| New RVs/Motorhomes | Up to 96 Months | As low as 6.99% |
| Used RVs/Motorhomes | Up to 72 Months | As low as 8.50% |
| Farm Equipment & Trailers | Up to 60 Months | As low as 8.50% |
| Motorcycles | Up to 36 Months | As low as 8.25% |
| 37 – 60 Months | As low as 8.75% | |
| New 4-Wheelers, Mules and Golf Carts | Up to 60 Months | As low as 7.50% |
| Used 4-Wheelers, less than 3 years | Up to 36 Months | As low as 7.99% |
| Share or Certificate Secured Loan | Term Varies | 4.00% APR or 2.50% over Certificate Term Rate |
| CashNOW Pal | 12 Months | 28% APR + $20.00 Fee |
| Personal Loans | Up to 60 Months | 11.99% – 18.00% APR |
| Back on Track Loans | Up to 60 Months | 6725% – 8.50% APR |
| Home Equity Loans | Up to 20 years 1st Lien | 5.99% – 8.99% APR |
| Home Equity Loans | Up to 10 Years 2nd Lien | 6.99% – 9.25% APR |
Note: Not all borrowers may receive the lowest rate. *APR=Annual Percentage Rate. The Annual Percentage Rate is the advertised rate and can vary based on creditworthiness, loan-to-value, terms of loan and relationship with credit union. Rates are subject to change at any time without notice. Some conditions apply. Brazos Star Credit Union also offers competitive pricing on Vehicle GAP and Warranty Service products. These may extend the loan term by up to 6 months.
Year, make and mileage of a new or used vehicle are a factor in in the loan rate offered to approved borrowers. A down payment may be required on certain loan arrangements.
Brazos Star now offers a loan payment portal to make loan payments easily and securely called REPAY. REPAY is used to set up recurring or single pay ACH or Debit card payment options for our borrowers. REPAY is a no-cost loan repayment program when used exclusively with the recurring ACH payment option. This option utilizes a valid Routing and Transit Number and an active account number from another financial institution. A convenience fee of $ 8.95 will be assessed when used as a one-time payment with another financial institution’s DEBIT CARD.
CashNOW loans are now available up to $2,000.00. The application fee for a CashNOW loan is $20.00. This amount may not be included in the loan amount. Term maximum on a CashNOW loan is 12 months and the maximum loan amount is $2000.00.
The credit union may offer other rates or promotions in the future. Special promotional or refinancing rates do not apply to loans already financed at the credit union. Rates and terms are subject to change at any time. Brazos Star Credit Union offers closed-end, simple interest loans for fixed terms and VISA© branded credit card lines of credit for qualified borrowers.
**Rates, amounts and terms vary. Rates are subject to change at any time. Back on tracks loans are for Texas Homeowners only.
Brazos Star Credit Union is an Equal Housing Lender/Equal Housing Opportunity
Federally insured by NCUA