Important Note: Due to a temporary increase in loan volume, if you're applying for a business auto loan, you might experience a delayed response as we work to address the needs of every Member. Please know we will respond within two business days. Thank you for your patience.

We Do What Works for Your Business

UFCU is proud to offer auto loans for our business Members. Loans are available for businesses that meet the following eligibility requirements:

  • Your business has been in operation for at least two years.
  • You have at least two years of current ownership.
  • You have at least 25% ownership of the business.
  • Your business is registered with the State of Texas or has been a sole proprietorship for two or more years.
  • The trade area for your business is inside either Travis, Williamson, Hays, Galveston, Caldwell, or Bastrop County.
  • Your auto loan request ranges from $10,000–$100,000.
  • You would like to purchase your car, truck, or van from a Texas dealership.

Rates That Yield to Your Budget

Annual Percentage Rate (APR) based on your credit
Excellent Good Average
1 to 48 5.89% 6.39% 6.64%
49 to 66 6.39% 6.89% 7.14%

Term restrictions may apply.

Why Get a Business Auto Loan?

When you get a business auto loan, you can take advantage of the tax-deductible purchase and financing fees. Any opportunity to cut costs and lower overhead is a great opportunity for your small business.

Business Loans Versus Personal Loans

While personal auto loans are based on your personal credit history alone, business auto loans are granted based on more than that. In addition to reviewing your business credit history, our loan representatives will consider the time you’ve spent on your business as well as your business revenue to reach a decision.

COVID-19 Financial Help for Your Business

For information related to how UFCU can help your business read more.

Ready to Apply?

You can apply online. Gather these items first to make applying quick and easy:

  • Driver’s license
  • Certificate of Formation (for LLC) or Articles of Incorporation (for Inc)
  • Assumed Name Certificate (if using a DBA)
  • Purchase order for vehicle (must be in business name)
  • Business tax returns and financials
  • Business debt schedule

How much will you pay?


This information is provided for illustrative purposes only. Rates are subject to change, and terms may vary based on your individual circumstances.

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