Consumer Loan Rates

Auto Loans Made Easy!

Take advantage of our great auto loan promotional rates. Best in Texas for your lending needs!
Rates starting as low as*

5.15% APR
MAXIMUM TERM UP TO 36 MONTHS • PAYMENT EXAMPLE: $30.04 PER $1,000 

5.45% APR
MAXIMUM TERM UP TO 72 MONTHS • PAYMENT EXAMPLE 72 MONTHS: $16.32 PER $1,000 
 
5.65% APR
MAXIMUM TERM UP TO 84 MONTHS  • PAYMENT EXAMPLE 84 MONTHS: $14.45 PER $1,000 
 

*ETPCU membership required. Term may vary based on year model. Rates and terms subject to change without notice. Not applicable on existing ETPCU loans
and no other discounts apply. Subject to: credit score, loan to value, age of collateral, and normal ETPCU underwriting guidelines. Additional restrictions may apply.
 

For additional rate and term options, please view our Consumer Loan Base Rates. 

Consumer Loan Base Rates

All consumer loan interest rates shown are the Credit Union’s base rates. These rates may vary based on member’s credit risk score, loan term, loan-to-value ratio (secured loans) and age of collateral. All loans are subject to East Texas Professional Credit Union’s normal credit guidelines.

Loan rates are effective as of January 2, 2024. Rates are subject to change without notice.

TYPE
 APR* TERM
New Vehicles 2025-2023 Models
 as low as 6.39% Please call for information
Used Vehicles 2022 Models
 as low as 6.49% Please call for information
Used Vehicles 2021 Models as low as 6.59% Please call for information
Used Vehicles 2020 & Older Models as low as 6.89% Please call for information
Motorhomes and Travel Trailers
2021 & Newer Models		 as low as 8.00% Please call for information
Used Motorhomes and Travel Trailers 
2020 & Older Models		 as low as 8.50% Please call for information
New Boats and Tractors 2024 – 2022 Models
 as low as 7.00% Please call for information
Used Boats and Tractors 2021 & Older
 as low as 7.50% Please call for information
Motorcycles, ATVs, Personal Watercraft 2024 – 2018 Models ($12,000+)
 as low as 6.99% Please call for information
Motorcycles, ATVs, Personal Watercraft 2017 & Older
 as low as 7.49% Please call for information
Personal Loans
 as low as 8.95% N/A
Instant Cash Loans
 6.75% N/A
Share Secured
 6.75% N/A
Term Share Certificate Secured
 2.00% above TSC rate N/A
Express Cash Loans
 18% Please call for information
Credit Builder Loans
 6.00% above TSC rate N/A

*Annual Percentage Rate