Greater Texas Credit Union

Making extra payments on your auto loan is an excellent way to pay off the loan faster, reduce your total interest, and achieve your financial goals. However, this may not be the right process for everyone. Determining if you are in the right place financially for extra payments can be determined through the use of the GTFCU extra payments calculator.

Your auto loan payment will be calculated through the total cost of your vehicle, the current auto loan interest rate, and your loan term. Lowering the total cost and interest paid is possible through making extra payments on the auto loan.

Getting pre-approved for an auto loan before purchasing a car is a great way to better understand the optimal price range for your vehicle. Once you have been pre-approved by loan officers, your loan pre-approval will last for up to 30 days. When you have decided on your vehicle, inform your dealer that you have been pre-approved for an auto loan from Greater Texas Credit Union.

The status of your loan application will be answered in one business day by loan officers. If you have not heard from us and would like to receive an update on your loan application, please contact our Loan Department.

Your credit score is only one factor in our auto-approval process. While maintaining a good score is important, it may not necessarily keep you from receiving an auto loan through Greater Texas Credit Union. Please contact our Loan Department to discuss your loan options.

Yes, you must open a savings account and become a member of Greater Texas Credit Union before you can apply for an auto loan. Basic savings accounts require a minimum of $5 to open and have no monthly service fees. This is a simple process that begins with a few steps.

Yes, you can refinance your car loan at any point. Owners of a new vehicle are free to refinance immediately after purchasing the vehicle, as long as they meet the requirements necessary for securing a new loan.

The transaction is “real time” which means it is immediately posted to your account.

Shared Branching is a network of credit unions that will allow “Guest Members” from any participating credit union to conduct transactions at a participating credit union. Credit unions are sharing their branches so that members will have access to over 5,100 locations nationwide.