Car and truck loans
What sets our auto loans apart
Whether you’re buying a new or used car or truck, we’ll work with you to find the right financing option.
- Low rates and terms up to 84 months
- Multiple rate discounts available
- Easy online payment options
- Finance up to 130% of the loan-to-value (available for qualified borrowers)
- No payment for 90 days
Our commitment to you
No jargon. No lectures. Just support and financing that makes sense. You’re more than a loan, account or credit score at Credit Human. You’re an integral part of our vibrant community, and you deserve a partner who will help you reach your goals and live well. That’s where Credit Human comes in.
Quick decisions
Most decisions happen in minutes, so you won’t lose your momentum when purchasing your next vehicle.
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 after purchase.
Rate discounts that add up
We offer a variety of rate discounts for things like auto pay enrollment, vehicle value and eco-friendly choices.
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.
Estimate your monthly payment by entering your loan details
As you plan your budget, it can help to keep your monthly payment within a comfortable range—many people aim for around 15% of their take-home pay. It’s also worth considering the full cost of owning a vehicle, including insurance, maintenance and fuel. Together, these expenses often work best when they stay within a range that feels manageable for your overall financial health.
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.
Protect your vehicle
Your vehicle is one of the largest purchases you make and can come with unexpected costs. Protect your investment with important coverage that helps you keep it maintained and running smoothly.
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.
Major Mechanical Protection (MMP)
MMP covers major mechanical failures beyond the manufacturer warranty. Repairs can be performed at a dealership or licensed repair shop.
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.
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.
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 - 84 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.