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Auto Loans

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New & Used Auto Loan Rates

Rates as low as
1.99 APR*

Auto Refinancing Rates

Rates as low as
1.99 APR*

Why Choose People’s Trust in Houston?

Low interest rates, exceptional local service, and terms up to 84-months to fit your needs and lifestyle. That’s the Un-Banking way of doing it.

 

Competitive
Interest Rates

 

100% Financing
Available

 

Terms Up to
84-Months

Express Check-
Works Like Cash

 ✔

Exceptional
Local Service


Member Auto Center-
Helps You Save More



People’s Trust Auto Loan Features

  • Save with low rates for both new and used autos.
  • Enjoy flexible terms up to 84-months.
  • Buy today with up to 100% financing available.
  • Shop smarter with an Express Check – get pre-approved and shop like a cash buyer. 
  • Protect your new auto with GAP and Debt Protection coverage.

Estimate Your Monthly Auto Payment

By changing any value in the following form fields, calculated values are immediately provided for displayed output values. Click the view report button to see all of your results.
Car payment is $441.57 per month.
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Car financing:
Calculate for:
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Principal Balances for $18,440 in financing Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.
How does the term affect my payment? Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.
How does the down payment affect my payment? Column Graph: Please use the calculator's report to see detailed calculation results in tabular form.

Definitions

Calculate for

Choose what you would like to calculate. You can choose to calculate the payment or the purchase price.

Monthly payment

The amount you pay each month for your auto financing.

Total purchase price (before tax)

This is the total cost of your auto purchase. Include the cost of the vehicle, additional options and destination charges. This amount does not include sales tax. Sales tax will be calculated for you and included in your total after-tax price.

Term in months

Number of months the loan will be in effect.

Interest rate

Annual interest rate for this loan.

Rebates and cash down

Total amount of cash and/or factory rebates applied to the purchase. The larger your cash down payment the smaller the loan you will need to finance this purchase.

Trade allowance

The total amount that you are given for any automobile that you trade-in as part of the purchase. In some states a trade-in can also reduce the amount of sales tax you will owe. See the definition for "No sales tax deduction for trade-in" for more information on trade-in vehicles and sales tax.

Amount owed on trade

Total loan balance still outstanding on the trade-in.

Non-taxable fees (optional)

Any additional fee that is not subject to sales tax. This usually includes document fees or any other fees that may be due at delivery and are not taxable.

Taxable fees (optional)

Any additional fee that is subject to sales tax. This usually includes title transfer fees or any other fees that may be due at delivery and are taxable.

Sales tax rate

Sales tax percentage rate charged on this purchase.

No sales tax deduction for trade-in

If you live in a state where your sales tax is calculated on your full purchase price, check this box in the calculator. If this box is unchecked, sales tax is calculated on the purchase price, less trade-in. Currently the District of Columbia, California, Hawaii, Maryland, Kentucky, Michigan and Virginia allow no deductions for trade-ins when calculating sales tax. In addition, Alaska, Delaware, Montana and New Hampshire have no sales tax on auto purchases. Oregon currently only collects tax on new vehicles.

★★★★★ 

“Been a member since 1987 when SEFCU. My wife and I had more than a few vehicle and personal loans and experienced excellent customer service. I worked downtown for ten years & ecstatic when they opened the west Houston branch (both locations offer superb service).”

- A.K.

Applying is as Easy as 1-2-3

Step 

1

Apply Online

Quick and easy online application.

Step 

2

Sign Your Loan

Agree to the loan amount, rates, and terms.

Step 

3

Get a Check

Use your check to buy your new vehicle.

Get Started

Auto Loan Resources

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Vehicle Loan Rates

See our great rates on new and used autos. 

Vehicle Loan Payment Calculator

Calculate your monthly payment and find loan terms to fit our needs. 

Express Check

Learn how easy it is to shop like a cash buyer and get so much more for your money.

Car Buying Guide

Download our guide to learn expert tips for shopping for an auto. We’ll tell you how to negotiate and get the best price, how to identify a clean purchase agreement, how to get unnecessary terms taken off of a dirty purchase agreement, and more.

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