Lower your monthly auto payment today with an Auto Refinance1 and Free GAP Insurance!


This spring we'll match or beat your current auto rate by 1% to help you drive down your monthly payment when you refinance your Auto Loan with us. PLUS, for a limited time get GAP insurance at-no-cost to you (a $600 savings1)!


If you’re looking to save money every month by lowering your current auto loan payment by refinancing, we want to help you find the best option possible with our competitive low rates.  


Get in the fast lane!
This offer expires on May 31, 20241.

As a member, you have the option of 90 days until your first payment2, can skip up to two loan payments each year with our Skip-A-Pay Program4, and have no prepayment penalties. Plus, for a limited time we'll help save you $600 with GAP insurance on us – just to say “Thank You” for being a member.


Savings Wherever the Road Takes You

We’ve got you covered with various ways to save, ensuring you find the road that leads to more cash in your pocket.

Gap Insurance Icon

Complimentary GAP – a $600 Value1 

Add financial security with Guaranteed Asset Protection (GAP). GAP covers the gap of remaining loan balance and the vehicle's value in theft or total loss, at no extra cost. 

Learn More

Low Competitive Rates Icon

Low Competitive Rates

Hit the breaks for affordable interest rates – often lower than traditional banks. View current rates.

90 Days until first payment

90 Days until First Payment Option2

Drive today, pay later. Your first payment won’t be due for 3 months after closing.

Ready to start saving on your auto loan?

Get your rate quote and decision back within 24 hours.3

Apply online

Apply Online

Apply by phone

Apply by phone

Call us at 281.754.1470 to ask questions or start a loan application by phone.

Visit your nearest branch


More Ways to Save

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Skip-A-Pay Program

Free up some funds by skipping a qualified loan payment without impacting your credit score.4


Referral Program

Share the benefits of lower rates and higher returns we offer with your friends and family and earn extra rewards.5

Access our Loan Calculator

Compare Your Savings

View our online loan calculator to help you compare first-hand how an auto-refinance can help you save instantly! View Calculator

1Limited time offer valid on applications received April 1, 2024 through May 31, 2024. Members Credit Union will match or beat a member's current auto loan rate by 1%, not exceeding our lowest 37-60 month rate based on a member’s credit tier. Proof of current rate is required. Forms of proof include but not limited to: Online banking screen print, purchase agreement, statements, or any other methods for documentation purposes. Changes to ownership do not qualify for program. No other discounts will apply. Existing Members Choice Credit Union auto loans are ineligible for this refinancing offer. Not eligible for purchases. Vehicles must have a Texas title. $600 value of GAP insurance is based on national averages – insurance discount will be applied directly to auto loan. Other terms and conditions may apply. 


2 Interest still accrues during this time.   


3 Typical turnaround for in person, phone or online applications is within 24 hours, if application is received during business hours. Weekend applications get processed the following business day. 


4 The Skip-a-Pay allows members to skip qualified loan payments. Only two Skip-a-Pays may be granted per calendar year. The following Members Choice loan types are not eligible for the Skip-a-Pay program: Any loan over $75k, any real estate loan (including Mortgages, Home Equity, Home Improvement, land loans and HELOCs) or line of credit, credit cards, business loans, share secured, stock secured, CD secured, student loans, Smart Choice auto lease, any loan originated within the past six (6) months, loans not serviced by Members Choice and any delinquent loan. Any currently delinquent loan or a loan which has been previously delinquent, may be ineligible. Any payment deferrals or previous extensions may affect eligibility. Loan must have at least six (6) payments credited. By enrolling in Skip-a-Pay, you agree to the terms and conditions and you are requesting Members Choice to skip one monthly payment and advance the due date of your regular monthly payment by one month. Choosing to defer/skip payments on your loan(s) may affect future payment on Life, Disability or GAP claims.


5 Membership eligibility to be determined at the time of account opening. Please see here for more details. Each member is eligible for up to $500 in referral rewards each year. Please allow 4-6 weeks for delivery of your Reward Card after both parties complete all offer requirements. Read full Referral Program Terms and Conditions. 



All memberships are subject to approval including credit approval. 


About Members Choice Credit Union

At Members Choice, we strive to exceed your expectations. We believe in people-helping-people by providing sound financial solutions and resources, as well as sharing our passion for supporting the community. As a full-service financial institution based in Houston, Texas, we have proudly served the West Houston, Katy, and Cy-Fair areas for over 80 years.


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