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Auto Loans Starting at 5.50% APR*

Fast approval. Flexible terms. Drive away today.

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Get Your Auto Loan Today

Quick approval, competitive rates, and exceptional service. Join thousands of satisfied customers who chose Lonestar for their auto financing needs.

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Trusted by over 50,000 members

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  • "As we were in the car driving to the dealership, I was able to find my new vehicle, fund the loan, and sign the paperwork - all before we reached our destination."

    Auto loans
  • "I was excited to buy my first car. I was 20 and had been at my same job for almost two years but didn’t have a good credit score because of limited credit. I had a co-signer but that didn’t help me get a good interest rate at most places. My credit union told me about the First Time Auto Buyer program. They approved my loan and will evaluate my rate after one year."

    Blake C.
  • "I've been a member at LSCU since 2015 and have always experienced great service, but I have to say Rosie Villegas went above and beyond on my most recent vehicle purchase. Due to travel I had an urgent need to pick up this vehicle the next day, and Rosie worked up to the very end of the day with the dealer and my loan officer to get everything in place and ready, so when I showed up at the dealership the next morning my car was basically sitting there waiting for me to hope in and go. Highly recommend LSCU and especially Rosie!!!"

    Charles B.

Key Benefits

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No payments for 60 days*

Enjoy a grace period before your first payment.

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Flexible terms up to 84 Months

Choose a term that fits your budget, anywhere from 24 to 84 months.

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Low rates as low as 5.50%

Save money over the life of your loan with a low interest rate.

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Shop for vehicles

Find the perfect vehicle with our Auto Guide and buy it at a great price.

Auto loan protection

Protect yourself from life's mishaps

If you break down, are unable to pay your loan, or have an accident, auto loan protection products can give you and your family peace of mind. For example, Member Credit Protection (MCP) can forgive your loan if you total your vehicle or pass away. Learn about MCP, Vehicle Service Contracts, GAP protection, and more.

Frequently Asked Questions

Find answers to common questions about our digital banking loan services

  • Yes,. On the desktop version of digital banking click the plus sign to take you to the Apply for Loan option.

    On mobile, tap the plus sign at the bottom of your screen and then tap Apply for Loan to begin the process.

  • Make your LSCU loan payment using another checking account, savings account, or debit card through our secure Online Payment Center. If you are making a payment from your LSCU account, please transfer your payment within digital banking.

    Please note: Your payments may not exceed $1,500 per entry. If you would like to setup recurring payment from another financial institution, please give us a call at 800.588.6928.

Want to learn more about refinancing your auto loan in East Texas?
Read our refinancing guide

Shopping for the best auto loan refinancing in East Texas?
We’ve answered your questions.

 

Have a question? Contact us

We can help you get an auto loan quickly that works with your budget

With low rates, fast approval, flexible financing, and plenty of loan protection services, buying your next vehicle has never been easier.

  • * Interest begins accruing the day the loan is funded.  Does not apply to vehicles currently financed through Lone Star Credit Union.

    **APR = Annual Percentage Rate. Rates are effective June 2, 2025 and are based on creditworthiness. Subject to credit approval.Must be 18 years or older for any loan at Lone Star Credit Union. Rates subject to change at any time. Loan application and approval required.

    Used vehicles were previously part of the Enterprise rental fleet and/or an affiliated company’s lease fleet or purchased by Enterprise from sources including auto auctions, customers trade-ins or from other sources, with a possible previous use including rental, lease, transportation network company or other use. The “e” logo, “Enterprise”, “Enterprise Certified”, “Enterprise Car Sales” & “Buy. Sell. Trade. Enterprise Makes it Easy.” are all trademarks of Enterprise Holdings, Inc. All other trademarks are the property of their respective owners.

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