Vehicle equity loan

Your vehicle can be more than transportation—it can be a source of financial flexibility. A vehicle equity loan allows you to borrow against the value of a vehicle you already own, helping you cover important expenses without disrupting your long-term financial goals. It’s a way to access funds while staying grounded in financial health.

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Quick Facts

What sets our vehicle equity loans apart

A vehicle equity loan gives you access to funds based on the value of your vehicle while keeping your loan structured and predictable.

Access cash using your vehicle as collateral
Fixed rates and predictable payments
Keep driving your vehicle while you repay
Lower cost alternative to high-cost title loan

Qualifications apply, see details

Our commitment to you

No pressure. No confusion. Just a thoughtful way to use what you already have to support your financial goals.

Quick decisions

Most decisions happen in minutes, so you can move forward with certainty.

90 days no payment

We offer no payment for 90 days for qualified buyers, allowing you a little breathing room to adjust your monthly spending plan.

Rate discounts that add up

We offer a variety of rate discounts for things like auto pay enrollment.

Flexible loan options

We offer a variety of terms and can match you with a loan according to your unique financial situation, needs and goals

Not sure how to use your vehicle’s equity?

A vehicle equity loan can be used in a variety of ways—from consolidating higher-interest debt to covering major expenses. Talk with a loan advisor to explore options and decide what makes the most sense for your financial goals.

For more information call 210-258-1880 to speak with a loan advisor.

Protect your vehicle and your spending plan

Your vehicle plays an important role in your financial life. Protect it and your loan with coverage options that help you stay on track when unexpected events happen.

Guaranteed Asset Protection (GAP)

GAP Advantage from Credit Human is designed to protect you from financial loss if your vehicle is damaged beyond repair or stolen.

View GAP details

Major Mechanical Protection (MMP)

MMP covers major mechanical failures beyond the manufacturer warranty. Repairs can be performed at a dealership or licensed repair shop.

View MMP details

Credit insurance

Credit insurance reduces financial stress when you and your family need it most by covering loan payments if you pass away or become unable to earn income due to a covered disability.

View credit insurance details

Get Started

Start your vehicle equity loan application today

Apply online to access funds using your vehicle’s value. It’s designed to help you move forward with confidence.

Automobile loan rates - new and used vehicles

The following rates apply to car and truck loans for purchase, refinancing, and equity loan types.

Rates effective as of 07-01-2026

Vehicle model year	Term	Minimum loan	Rate (APR)
2023 and newer	24 - 48 months	$7,500	5.69 - 14.29%
2021 - 2022	24 - 72 months	$7,500	5.89 - 14.29%
2020	24 - 69 months	$7,500	5.89 - 14.09%
2019	24 - 63 months	$7,500	5.89 - 14.09%
2016 - 2018	24 - 60 months	$7,500	5.89 - 14.09%

Disclosures

* Minimum 680 FICO score and $25,000 amount financed to qualify for 79 - 84-month term.

** 5.69% APR is for a 24 - 48-month term with minimum 780 FICO score and includes .40% discount for setting up auto pay from a Credit Human checking account. Additional rate discounts may apply for vehicle value and EV/hybrid. Ask an Auto Loan Advisor for details.

*** No payment for 90 days applies to qualified borrowers with a 680+ FICO score on loans of $7,500 or more.

Annual Percentage Rate (APR) is dependent on credit rating, collateral value, amount financed and other criteria. Qualifying used vehicles must be 10 model years or newer with 150,000 miles or fewer.

Vehicle equity loan

What sets our vehicle equity loans apart