Auto & Vehicle Loans

Discover your path to the open road.

No matter what type of vehicle you have your eye on, all of our great vehicle rates are just a few clicks away! 

  • $0 Down1
  • $0 Prepayment Penalty
  • No payments up to 90 days1
  • Loan application responses in 10 minutes or less! 2

You may not have found the perfect vehicle yet, but applying or getting pre-qualified shows dealers you are a serious and capable buyer. Get started online!

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Our members enjoy great rates.

Great rates from First Community help our members save on auto loans. Wondering how much vehicle you can handle, or how interest rates and terms might impact your payment?

Need expert advice?

Our Vehicle Team is here to get you on the road! Call 281.856.5300 or 800.456.3228, or email us at for more information.

What kind of vehicle do you want?

First Community can help you with more than just the usual auto loan. Maybe your lifestyle requires a motorcycle, RV, or boat. If so, let us know!

Insurance to keep your vehicle and household safe.

As a vehicle owner, be sure to take advantage of competitive rates to protect your loved ones. Insure yourself as a driver, insure your loan payments, and protect your auto, home, and life for more peace of mind.

Still have vehicle buying questions?

Remember, our Vehicle Team is here for you! Call 281.856.5300 or 800.456.3228, or email us at for more information. We'll get you on the road.

Note that applicants must be at least 18 years of age to apply for a loan.

1APR = Annual Percentage Rate. Certain credit criteria apply for lowest rate quoted and up to no payments for 90 days. Rates and terms subject to change. Rate quoted is valid for auto loans and includes a combination of the following 1) 0.50% off for purchase of credit life and disability insurance coverage; 2) 0.25% off for purchase of an extended service contract; 3) 0.25% off for FCCU Existing Open Auto Loan 4) 0.20% off with First Rewards Checking; 5) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 1.00%APR. Rate as low as 1.59% APR is valid up to 48 months only. 48 months @ 1.59% APR = monthly payment of $21.48 per $1,000 borrowed. Loans with a term over 75 months will be approved at a higher rate. Vehicles 8 years and older will be charged a 2.0% higher rate. Floor Rate for vehicles is 1.59% for 48 months. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed. Valid for consumer vehicle loans funded directly through FCCU only. Loans funded through any third party dealer are not eligible. FCCU refinances are not eligible. First Community Credit Union invites anyone that lives, works or worships in Harris, Fort Bend or Montgomery County to finance their auto with us.
2Applications submitted after business hours may not be decisioned until the next business day. Business days are considered Monday - Friday 9am - 7pm.   

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Vehicle Loans

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Low rates and flexible terms on auto loans personalized for you.


Choose. Apply. Drive.

Stop just showing up. Arrive in Style. 


Protect yourself with a vehicle history report. 

Guaranteed Asset Protection

Protects your entire motor vehicle investment and you from substantial loss.


Protect your assets with an extended warranty.

Repo for Sale

Check to see what Repos are available.