Auto & Vehicle Loans

Ready to pick up speed?

Drive away in the car you really want when you finance a vehicle with a low rate auto loan from First Community. New cars, used cars, other kinds of vehicles — no matter what you’re looking for, we can help with great rates and terms.

  • Rates as low as 2.64% APR1
  • 90 days no payments1
  • 100% financing available
  • Skip-A-Pay up to twice a year

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!

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 all loans..
2Rates quoted on these loans include 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 either First Rewards Checking or Texans Checking; 5) 0.30% off with an FCCU Visa Credit Card. Maximum discount of 1.00%APR. Loans with a term over 60 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 2.64%. 84 month term applies to current calendar year and current model year and must be a minimum of $35,000 financed. 

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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.