Auto Loans

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Are you in the market for a new vehicle? Whether you are interested in a brand-new car, a pre-owned pick-up or just thinking about refinancing your current vehicle loan; look no further! At Cy-Fair Federal Credit Union, we make the entire process of acquiring a new vehicle 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 all while staying within your budget!

New or Used Vehicle Loans/Refinance Loans

Not only will you get a great rate when you finance your vehicle with Cy-Fair Federal Credit Union, you will receive excellent and individualized service! We have designed the auto loan process with our members in mind with competitive rates, flexible terms and convenient options so that each loan is customized to each member’s needs.


  1. Competitive loan rates
  2. Flexible repayment terms
  3. 100% financing available
  4. Apply online
  5. Convenient partner relationships



1APR is Annual Percentage Rate. Loans subject to credit approval. Rates are determined by an evaluation of applicant credit and may vary.


Mechanical breakdown protection: Provide an extended warranty similiar to dealer and manufacturer plans, for significantly less money*.

Multi-shield protection: Offers emergency roadside assistance and comprehensive repari or replacement of tires, wheels, doors, and the windshield.

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.**


Vehicle Leasing 

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 


*Extended Warranty (EW) is provided by Mercury Insurance Group (MIC) and 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 creit union and (3) not guaranteed by the credit unioin or any affiliated entity. Please contact Cy-Fair FCU for more details. 
**Deductible coverage is available in most, but not all states. Please consult your financing presentative for more information. For a complete list of benefits and rules, seee 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 seperate entitites. 


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