All People’s Trust members are welcome to apply for an auto loan. Not a member? Not a problem! We’d like to invite you to become one.
There are lots of benefits to People’s Trust membership besides lower APR (annual percentage rates) on your auto loan refinance in Houston. We’re local, friendly, and member-owned, which means we spread the wealth!

Member benefits include:

• Low rate Auto Loans for new and used, as well as refinanced vehicles
• Products and services such as our assorted Checking Accounts, including our most protected account, Secure Checking
• Access to our network of surcharge free ATMS–over 81,000 nationwide
• Visit your local branch and consult with local financial experts
• Keep and grow your money through competitive interest rates on loans, and on Certificates and Money Market Accounts, higher interest rates
• Conveniently located branches, HomeBranch™ (Online Banking), Shared Branches, and our Mobile App mean you’ll have convenient access to your money, no matter where you are

When members apply for loan refinancing, we look at your credit score and credit history. Other factors such as your income, how much other debt you currently have, your existing auto loan, and the total amount you want to borrow.

Along with all of this information, you’ll also need to tell us who your loan is currently financed through, as well as your VIN, mileage, and a copy of your title. Your current lender needs to supply you with a 10-day payoff, including per-diem with interest that accrues daily.

As a general rule, a more extended finance period and lower loan amount will mean lower payments. A shorter finance period, on the other hand, with a higher loan amount, will result in higher monthly payments.

This answer will be different for each individual borrower. That’s the great thing about Un-banking! Unlike traditional commercial banks, we know that when one member succeeds, the whole community benefits. So we’ll look at some different factors, such as the desired loan amount, the length of the term you want.

But we’ll also take time to get to know you and your personal financial situation to find the right solution for you!