Car and Truck Loans

We make auto buying easy.

Drive away with lower payments

Looking for a new or used vehicle? Paying a higher rate on your auto loan elsewhere? Finance it at Hughes Federal Credit Union and lower your monthly payment.

One Low Rate

We don’t switch loan rates based on your credit score. The rates we offer are simply one rate for all approved applicants. Save money and lower your monthly payment with our fixed or adjustable auto rate.

New and Used Vehicles

Whether you’re shopping at a dealership or looking to buy from a private party, finish the deal with a great loan from Hughes. Get bargaining power when negotiating a price. Apply online today and get pre-approved!

Features & Benefits

  • A great fixed or adjustable rate
  • Flexible terms
  • Speedy turnaround
  • Up to 100% financing available (Kelley Blue Book Retail price for used vehicles)
  • Term up to 7 years (84 months)

Optional Services

  • TruStage™ Discounted Auto Insurance
  • AutoSmart Car Buying Service
  • Debt Protection
  • Guaranteed Asset Protection (GAP) – Protect yourself against theft or total loss of your vehicle if your loan is greater than the amount paid by auto insurance
  • Low-cost Vehicle Service Contracts
  • First-time Vehicle Buyer Program available


  • 4.75% APR*
    Adjustable Rate (Up to 72 Months)
  • 5.50% APR*
    Fixed Rate (Up to 72 Months)
  • 5.75% APR*
    Adjustable Rate (84 Months)
  • 6.50% APR*
    Fixed Rate (84 Months)

*APR = Annual Percentage Rate. The maximum APR, for any type of loan, shall not exceed the limit set by applicable law(s). The loan rate will be the rate in effect when the loan is completed. Rates and terms are subject to change at any time. Please contact the Credit Union for further information.

Why Car and Truck Loans ?

Start your auto adventure with Hughes!

One Low Rate Icon

One Low Rate

We don’t switch loan rates based on your credit score. Just one interest rate for all approved applicants.

Speedy Turnaround

Once we receive your application, we’ll contact you promptly to get everything finalized.  


Flexible Terms

Up to 84 months.


Car & Truck Loan Frequently Asked Questions

Yes! We work directly with many Arizona dealerships. If they are out of state or not on our program, we can contact them to verify they meet our requirements.

The adjustable rate is set by the credit union and is not tied to a prime index. Even though a rate may change during the life of the loan, the payment remains the same so you can continue staying on track with your budget. We fluctuate the term of the loan instead.

Yes, we require full coverage insurance with comprehensive and collision deductibles of $1,000 or less. 

We offer several options to repay your loan. 

Yes! We work with the seller to make your purchase easy.

We use Kelley Blue Book or NADA Value.

Visit our application status portal to check the status of your application, upload documents, or send us questions or comments. 

No, we only finance vehicles with a clean A status title.

Yes. You will need to provide your insurance company with the following lienholder information: 

Hughes Federal Credit Union 
PO Box 461385
San Antonio TX 78246-1385 

Phone: 1-888-667-9103
Fax: 1-866-736-9183