Auto Loans


Auto Loans

New Auto



  • as low as 3.00% APR* for 36 months
  • as low as 3.25% APR* for 48 months
  • as low as 3.50% APR* for 60 months
  • as low as 3.75% APR* for 72 months


Used or Refinance



  • as low as 3.30% APR* for 36 months
  • as low as 3.40% APR* for 48 months
  • as low as 3.50% APR* for 60 months
  • as low as 3.90% APR* for 72 months



  • Flexible Terms up to 72 Months
  • 100% Financing Available
  • No hidden fees or surprises
  • GAP & Warranties Available
  • Credit Life & Disability Protection Available


For Questions, or to Apply in Person:


Applying Online? 
During the approval process, an E-Service Representative will contact you to discuss the terms of the loan and promotion.

*APR is Annual Percentage Rate. Loans subject to approval. Rates are determined by an evaluation of applicant credit and may vary. Example payment on a $25,000 loan at 3.00% APR for 60 months is $449.22 a month. Other terms and conditions may apply. Speak to a Financial Consultant for additional information.


We make the entire process simple and convenient. Not only can we assist you with the financing aspect of your vehicle, but we can help you find it and insure it as well, all while staying within your budget!


Mechanical breakdown protection: 
Provide an extended warranty similar to dealer and manufacturer plans, for significantly less money2.

Guaranteed Asset Protection (GAP): 
Covers the difference between the insurance settlement amount and the outstanding loan balance, if your vehicle is involved in a total loss claim, due to an "at fault" or "not at fault" accident, theft or flood.3


Member Auto Center logo

Search smart, start here! Our partnership with MemberAutoCenter allows you to conveniently browse New and Used vehicles, as well as provides a list of preferred dealers and buying advice.

Find Your Vehicle



FairLease Logo

Interested in leasing a vehicle? Cy-Fair has partnered with FairLease. FairLease is a credit union owned company that follows a credit union philosophy of serving people, meeting their needs and providing the best product at a reasonable price. 

Why lease with FairLease?

  • No cash down required at signing

  • Lower monthly payment 

  • Mileage for Leasing vs. Buying

  • Depreciation Risk factors

  • More car for the money 

Explore FairLease


2Extended Warranty (EW) is not an insurance product. For a complete list of terms and provisions see the MIC Automotive Premium Value Protection Plan Agreement available at any branch. The purchase of an EW is voluntary and not required as a condition of loan approval. Enrollment fees apply. EW services are (1) not federally insured (2) not obligations of the credit union and (3) not guaranteed by the credit union or any affiliated entity. Please contact Cy-Fair FCU for more details. 
3Deductible coverage is available in most, but not all states. Please consult your financing representative for more information. For a complete list of benefits and rules, see the GAP Waiver Election form. The purchase of GAP is voluntary and not required as a condition of loan approval. GAP is a loan/lease deficiency waiver and is not offered as insurance coverage. Applies only to collateral financed by Cy-Fair FCU. A fee applies. Please contact Cy-Fair FCU for more information. 
Cy-Fair FCU does not warrant, guarantee or insure any service or product offered by any insurance companies. Cy-Fair FCU and insurance companies are separate entities.