Secured Loans

If you are shopping for something new or something new to you, Texas Plains Federal has a secured loan to fit your needs. We have competitive rates and excellent terms. Our Loan Officers are here to help you every step of the way! We can finance the following collateral:

  • Autos
  • Recreational Vehicles: Motorhomes, Travel Trailers, Campers
  • Boats
  • Motorcycles, ATV/UTV
  • Trailers
  • Share Secured and Share Certificate Secured
  • Nest Egg
  • Refinances

To apply, simply LOGIN to Online Banking and fill out a loan application or contact a Loan Officer.

Autos*

A New Auto is anything that has not been previously titled. Financing is available anywhere from 70% to 100% of NADA Retail plus tax and title, and interest rate and terms are based on credit.**

A Used Auto is a purchase from an individual or dealership. Financing is available anywhere from 70% to 100% of NADA Retail, and interest rate and terms are based on credit.**

We offer the following protection packages for Auto Loans

Recreational Vehicles, Boats, Motorcycles, ATV/UTV*

A New Recreational Vehicle, Boat, Mortorcycle, ATV/UTV is anything that has not been previously titled. Financing is available anywhere from 70% to 100% of NADA Retail plus tax and title, and interest rate and terms are based on credit.**

A Used Recreational Vehicle, Boat, Mortorcycle, ATV/UTV is a purchase from an individual or a dealership. Financing is available anywhere from 70% to 100% of NADA Retail, and interest rate and terms are based on credit.**

We offer the following protection packages for Recreational Vehicle, Boat, Mortorcycle, ATV/UTV Loans.

Trailers*

A New trailer is anything that has not been previously titled. Financing is available anywhere from 70% to 100% of MSRP plus tax and title, and interest rate and terms are based on credit.**

We offer the following protection packages for New Trailer Loans.

Share Secured and Share Certificate Secured

A Share Secured Loan is a loan against the money in your Regular Share Account. The max amount that can be borrowed is 100% of the amount in your Texas Plains Federal Regular Share Account. Shares in the amount equal to the loan balance are held in the account. The APR will be the dividend rate being paid on Regular Shares on the date of the request plus a margin of 3%.

A Share Certificate Secured Loan is a loan against your Texas Plains Federal Share Certificate. The APR will be equal to the dividend rate being paid on the Share Certificate offered as collateral plus a margin of 3%.

Contact a Loan Officer for details.

We offer the following protection packages for Share Secured and Share Certficate Secured Loans.

Nest Egg

Do you want to build credit or reestablish credit? We have the perfect loan for you, the Nest Egg! Contact one of our Loan Officers for details and how you can apply for one today!

We offer the following protection packages for Nest Egg Loans.

Refinances*

Are you paying a high interest rate or are you tired of sending in your monthly loan payment?

Texas Plains Federal can help you by refinancing your loan from your current financial institution to your local trusted Credit Union. Get with your Loan Officer today to see how we can help save you some money!

We offer the following protection packages for Auto Refinances.

We offer the following protection packages for Recreational Vehicle, Boat, Mortorcycle, ATV/UTV Refinances.

*All loans with collateral used as security, when the balance exceeds $1500 will be required to have full coverage insurance on the collateral showing Texas Plains Federal as the lien holder or loss payee and the deductibles will need to be set at $500 or less

**Texas Plains Federal uses and reports on the first of every month to Equifax