Personal Loans
If you've got a reason - we've got a loan for you!
On The Road To A New Vehicle
TEXAR's low-rate vehicle loans and flexible financing options help you through the auto financing or refinancing process. We provide you the tools and resources you need to finance your vehicle with the right loan and interest rate.
TEXAR makes applying for a loan simple and fast!
With our new online application process, current and future members can apply for:
- Auto Loans
- Recreational Vehicles
- Share Secured Loans
- Unsecured Loans
- Other Secured
- TEXAR Mastercard Credit Card
TEXAR's Drive and Save Auto Loan Program
If you are in the market for a new or used auto, but the high prices are leaving you with sticker shock, the TEXAR Drive and Save program may be the perfect fit! Let us help you get a lower monthly payment!
Drive and Save Program details:
- You OWN the vehicle.
- Available on new and used vehicles up to 5 years old.
- Finance up to 72 months.
- Mileage options:Â 7,500/10,000/12,000/15,000/18,000
- Guaranteed value at the end of the term.
- Option to sell, trade, refinance or payoff at any time during your loan term without any early terminations fees.
- Competitive Rates.
- Quick Decisions.
- It's Not a Lease!
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Home Improvement Loans
Looking to update your current property with new windows, counter tops, or a swimming pool? A home improvement loan allows you to maximize the potential in your current property by financing updates and upgrades.
Speak to a Loan Officer by any of our 3 simple ways:
- Call 903.223.5626
- Text "LOAN" to 903.223.5626
- Click here to apply online
| Amount | Term | APR* as low as | Credit Tier |
|---|---|---|---|
| Up to $50,000 | Up to 84 months | 8.99% | 740 or greater |
| Up to $25,000 | Up to 84 months | 10.99% | 680-739 credit score |
Items needed to qualify for a home improvement loan:
- Credit score of 680 or higher
- Proof of employment for 4 years
- Verification of income with a W-2 and pay stub within the last 30 days
- Those who are self-employed must provide two years worth of tax returns
- Full direct deposit with TEXAR can be used as verification of income
- Proof of residence for a minimum of 4 years
- Copy of recorded Warranty Deed on present residence is required to be on file
- Detailed list of improvements or work estimates
- Loan may not exceed amount of estimates
*APR=Annual Percentage Rate
For example, a loan financed for $30,000.00 with an interest rate of 5.55%, an approximate payment will be $432.00 for 84 months.
All loans subject to approval. Financing options subject to change. Rates are based on creditworthiness.
Loans by Text
- Text LOAN to 903-223-5626
- You will receive an initial text stating, "This # is verified to receive messages from TEXAR. # of message varies by acct/preference. Msg and Data rates may apply."
- A second text will come through asking for your loan amount.
- Follow the text prompts and a Loan Officer will be in touch!
If you have questions or would like to speak to a loan officer by phone, call 903-223-5626.
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Text Message Policy
By providing your cell phone number, you have provided TEXAR with consent to send you text messages in conjunction with the services you have requested.
- Message frequency varies by acct/preference. Message & data rates may apply.Â
- To opt-out, Text STOP to 903.223.5626 An opt-out confirmation message will be sent back to you.
- To request support, Text HELP to 903.223.5626 or email us at internetmemberservice@gotexar.com.(Opens in a new Window)
MMS - If your phone doesn't support MMS, you'll receive SMS instead.Â
Supported Carriers
This program is supported by Alltel, AT&T, Boost, Sprint, Verizon Wireless, Virgin Mobile, MetroPCS, T-Mobile and U.S. Cellular. Carriers are not liable for delayed or undeliverable messages. Products & services are compatible with AT&T handsets.
GAP Coverage
GAP Insurance (Guaranteed Asset Protection) is offered through Allied Solutions. It provides peace of mind and can relieve you of the liability of paying the remaining balance of a loan after the primary insurance carrier has settled, if the vehicle is stolen or totaled.
GAP also helps protect your credit rating and can help you avoid financial hardships so you can afford a replacement vehicle. In addition, GAP Advantage provides you with a credit of up to $1000 towards financing or lease of a replacement vehicle if financed with TEXAR within a certain time period. GAP Advantage also offers auto deductible reimbursement and more. Call a Loan Officer today at 903.223.5626 and get your auto protected.
Mechanical Breakdown Protection
Route 66 Extended Warranty
As your vehicle ages, the need for repairs and the cost of these repairs, increases accordingly. Route 66 Extended Warranty, offered through TEXAR, is the most comprehensive mechanical breakdown coverage for all makes and models of automobiles. Our coverage helps you enjoy your new purchase and maintain peace of mind because even the most reliable vehicle can develop a mechanical problem.
Key Benefits of Route 66 Warranty
- All warranties are fully insured
- All plans have a $0 deductible
- 30 day money back guarantee
- Nationwide coverage
- 24/7/365 Emergency Roadside Service with EVERY plan
- Plans are transferable if you sell your car
Extended warranty coverage, combined with GAP, is the best way to protect yourself from unexpected expenses as you pay off your loan.
Let TEXAR help keep your vehicle covered. Contact a Loan Officer at 903-223-5626 to learn more!
Debt Protection
Life is Unpredictable
There are a wide range of unexpected events that could leave you and your family struggling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events and ensure loan payments can be made on time. That’s where Debt Protection comes in.
Under the Debt Protection program, your loan balance or your monthly loan payments may be canceled without penalty or added interest. You benefit from the peace of mind of knowing you and your credit rating are protected – and most importantly – that your family is protected.
Coverage Options include:
- Death
- Disability
- Involuntary Unemployment
To learn which plan works best for you, contact a Loan Officer at 903-223-5626. Let TEXAR help you protect what matters during those times of hardship.
Schedule your bill payments.
Pay anyone directly or set up recurring payments and stop worrying!
Pay anyone directly or set up recurring payments and stop worrying!
Loans for your business.
Equipment, lines of credit, property, real estate and agriculture loans.
You can be a member!
From low interest rates, to many products and services available, we set ourselves apart.