Auto Loans

When applying for a vehicle loan, you want to borrow from people you can trust. New Horizons Credit Union has some of the most competitive vehicle loans on the Gulf Coast. Any member that is in good standing may apply for a loan. Our online Loan Application makes applying for a loan quick, easy and hassle-free.

New Horizons Credit Union has a loan to fit almost any need with:

  • Competitive rates
  • Flexible terms
  • Credit Life & Disability Insurance
  • Extended warranties
  • Gap coverage
  • No hidden charges or pre-payment penalties
  • Interest calculated on unpaid balance daily
Car and Truck Loans

Up to 100% financing with approved credit up to MSRP for New Autos and up to 100% NADA Retail on Used Autos.

  • New - up to 84 months term
  • Used - up to 72 months term
  • Antique/Classic - up to 48 months term

Motorcycle and ATV

  • New & Used - up to 60 months

Boat and RV

  • New & Used - up to 180 months

Farm Equipment

  • New - 90% of Purchase Price – not to exceed $50,000 - up to 60 months
  • Used - The Appraised Value up to $50,000- up to 60 months
  • Used farm equipment will be appraised by two (2) reputable dealers who sell farm equipment

      Start Me Up Auto Promotion
    This program is designed to provide qualified members that have a New Horizons Checking Account the opportunity to borrow at an affordable interest rate to purchase a vehicle. Maximum loan amount is up to $20,000 for a maximum term of 60 months. This promotion is ideal for members with limited credit. For details on the Start Me Up Promotion, contact the Credit Union at (800) 824-3610 or click here!

For rates on all our consumer loan products, click here.


Apply Now 


*Loans are subject to approved credit. Rates and terms are based on the evaluation of applicants credit and may change. Other conditions and restrictions may apply. Contact the Credit Union direct for details and current rates at (800) 824-3610.

**APR= Annual Percentage Rate. All loans subject to credit approval; rates and terms based on evaluation of applicant's credit and may vary. The Refi My Ride promotion cannot be used in conjunction with any other loan discount offer. Promotion is for loans currently financed at other financial institutions. Standard fixed rate loans only, no variable or promotional rate loans will be considered. Rate may be up to 2% Annual Percentage Rate lower than member's current rate at the other institution but cannot extend below the current 2.00% Annual Percentage floor rate or exceed 18% Annual Percentage Rate. Member must provide original loan contract or a written statement that reflects the original contract terms in order to verify the original rate, term and account ownership. All share and loan accounts must be in good standing in order to qualify for the promotion. Last six complete consecutive payments must have been received on time and will be verified by Centralized Underwriting on the Credit Report. Minimum loan amount is $5000. No "cash out" will be available with the Refi My Ride promotion. Promotion to end April 30, 2017.