Auto Loans
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.
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✔Express Check- |
✔Exceptional |
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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
Car financing:Press spacebar to hide inputs | Loan amount: $18,440 |
Down payment:Press spacebar to show inputs | $2,500 |
Taxes and fees:Press spacebar to show inputs | $940 |
Principal Balances for $18,440 in financingpress spacebar to hide graph |
How does the term affect my payment?press spacebar to show graph |
How does the down payment affect my payment?press spacebar to show graph |
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. |
Auto Loan Resources
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.
Learn how easy it is to shop like a cash buyer and get so much more for your money.
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.
