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Cars and Other Vehicles

Affordable payments and flexible terms put you in the driver’s seat.

From cars to campers, Texas Bay Credit Union can help you get there!  Whether it is new, used, or refinance, we’ll get you going with competitive rates and easy repayment options. Special offers from our preferred dealers can help you save more!  An Auto Exam inspection will help you avoid lemons. And our low cost protection products can help you save money, time and even protect your credit.

In addition to autos, we provide loans for boats, motorcycles, ATVs and recreational vehicles.

  • Low interest rates
  • Flexible terms
  • Convenient online loan application
  • Easy repayment options, including online and automatic transfers

Preferred Dealers List

Preferred Car Dealers – New or used, contact our dealer reps for special service.

Enterprise Car Sales – Large online inventory of great cars.

Dealer Coupons

Link to dealer coupons

Mechanical Breakdown Protection

Is your current vehicle manufacturer’s warranty about to expire?  Mechanical Breakdown Protection, also known as an Extended Warranty, is automobile protection that extends beyond the manufacturer’s factory warranty and covers repairs of unexpected mechanical breakdowns. For the period of time the contract is in effect, you are assured that covered components of your vehicle will be repaired in the event of failure, including labor, subject to any applicable deductible.  Learn more and get a fast quote!

Guaranteed Auto Protection (GAP)

Guaranteed Auto Protection (GAP) is Loan/Lease Deficiency protection designed to eliminate your unpaid net loan/lease balance in the event your vehicle is stolen or damaged beyond repair.  Learn more and get a fast quote!

Texas Bay CU Cars for Sale

No cars are for sale at this time.  Visit the website periodically.

ALL VEHICLES ARE SOLD “AS IS”. Prior to submitting a bid, please make sure you have seen the vehicle and are prepared to purchase it if your bid is accepted.

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Auto Exam Inspection

The State of Texas requires that the seller disclose whether a vehicle has been damaged whether from an accident or flood. However, it may be in your best interest to be skeptical of the seller’s description of the vehicle’s condition. Before you commit to purchasing that perfect used vehicle, consider getting the vehicle inspected before you purchase by a local company such as Auto Exam (713-944-2944).  Ensure to get a quality vehicle!  Auto Exam offers the following:

Bumper to Bumper inspection – Complete mechanical inspection on used vehicles before you buy.

Appraisal – The average loan, trade in, and retail after the inspection.

History Report – Through a national database, get a complete vehicle history report.

Cost – Visit Auto Exam for current costs.

Auto Loans

Texas Bay is your one-stop-shop for car buying.  We can can help you find the perfect card that your lifestyle and budget.  We help thousands of members step into a new or used vehicle and save them time and money.  Below is a helpful guide for your car buying adventure and don’t hesitate to contact us for any questions.

  • Get pre-approved – before you shop, apply for a loan so to get lending budget.
  • Research before you shop – visit the Member Auto Center to learn about the vehicles that match your needs, lifestyle, and budget.
  • Work with our preferred dealers – before you drive to a dealership, contact our preferred dealers.
  • Inspect the vehicle before you buy – consider contacting Auto Exam to inspect the vehicle before you buy, particularly if used.
  • Get an quote on insurance – once you know what type of vehicle you will purchase, contact Texas Bay Insurance Group, LLC to give you a fast quote.
  • Prepare for breakdowns and losses – add to your loan Mechanical Breakdown Protection and Guaranteed Auto Protection (GAP).
  • Get a piece-of-mind – protect your loan, income, family and credit with optional loan insurance; Credit Life and Disability Insurance.  We will be happy to discuss your options.

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Other Vehicles

  • Boat Loans
  • Motorcycle or ATV Loans
  • Recreational Vehicles
  • Farm Vehicles

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