All Credit Human locations will be closed on Wednesday, December 25 in observance of Christmas. We will resume normal hours on Thursday, December 26. Learn More

    Auto Loans

    Make the long drive a great ride.


    Whether you're buying new or used or looking to refinance, we'll work with you to find the best financing option for your budget.

    Benefit from

    • Rates as low as 5.69% and terms up to 84 months* View Rates
    • Multiple discounts available**
    • Easy online payment options
    • Guaranteed Asset Protection (GAP)
    • healthCAR coverage option
    • No payment for 90 days***

    Apply Now
     
     thumbnail

    Find the perfect new or used vehicle with AutoSMART

    AutoSMART helps you take the first step to find your next car or truck. Research vehicles and browse dealer inventory, stress-free.


    VISIT AUTOSMART

     


    Auto Loan Payment Calculator

    Estimate your monthly payment by entering your loan details

    Consider your income and expenses and use this simple rule of thumb - stick to a payment that's no more than 15% of your monthly take-home pay. Remember to factor in additional costs like insurance, maintenance and fuel. Your total car expenses should be no more than 20% of your monthly take-home pay.
     
     

     From the time you apply to the moment the keys are in your hand, Credit Human is with you for the ride.

    For more information call 210-258-1880 to speak with an Auto Loan Advisor.

    Apply Now

    Automobile Rates

    Vehicle Year Model 2018 24-69 months $7,500 5.69 - 13.99%**
    Vehicle Year Model 2014 - 2016 24-60 months $7,500 5.69 - 13.99%**
    Vehicle Year Model 2019 - 2020 24-72 months $7,500 5.69 - 14.19%**
    Vehicle Year Model 2021 & Newer 24-84 months* $7,500 5.69 - 14.19%**
    Vehicle Year Model 2017 24-63 months $7,500 5.69 - 13.99%**

    Rates are effective as of October 15, 2024

    Annual Percentage Rate (APR) is dependent on credit rating, collateral value, amount financed and other criteria. Qualifying used vehicles must be 10 years or newer with 150,000 miles or less. *Minimum 700 FICO score and $25,000 amount financed to qualify for 79 - 84 month term. **5.69% APR is for a 24 - 48 month term, minimum 780 FICO score, includes a 0.30% discount for e-signing loan documents and .20% discount for setting up auto pay from any checking account. Additional discounts may apply. Ask an Auto Loan Advisor for details.

    healthCar

    healthCAR is an affordable monthly subscription-based vehicle service contract that helps protect you from costly vehicle repair expenses

    Learn about healthCAR's benefits

    Guarenteed Asset Protection (GAP)

    Guaranteed Asset Protection (GAP) Advantage from Credit Human is designed to protect you from financial loss if your vehicle is damaged beyond repair or stolen.
    Learn How GAP Advantage Works

    Motorcycle Loan

    If you feel the call of the open road or just need an efficient way to get around town, a motorcycle may be the answer.
    View Motorcycle Loans

    Boat & RV Loan

    Ready for a recreational vehicle? Creating family fun and shared memories could be a great investment for you.
    View Boat & RV Loans

    Everything we do is in the best interest of our members

    To become part of our financial cooperative apply for membership today.
    Get Started