Auto Loans

Your car is personal to you, why not get a loan that is just as personal? With Pantex you aren’t getting a loan from a person trying to make a sale. When you meet with one of our loan officers you are talking with someone you know, someone who is looking out for your financial well-being.  After all, you are a shareholder at Pantex and our knowledgeable officers are here to make sure you don’t get duped into a bad loan. We offer competitive rates and some of the best prices on Payment Protection, Mechanical Breakdown Insurance, and Guaranteed Asset Protection (GAP) around.

Contact a Loan Officer Or Start an Application Online


New Vehicle Loans

  • Financing up to 110% of the MSRP (Window Sticker) 
  • Loan terms up to 84 months
  • Very competitive rates
  • We offer several ways to protect your purchase and can often times beat the dealerships prices for these items:
    • -Mechanical Breakdown Insurance
    • -GAP Protection
    • -Credit Life and Disability Protection

Note: Click the plus sign next to the category to view its rates.

Current New Vehicle Rates

Collateral Financing Amount(Up to) Terms Rates as low as:(APR)
New Vehicles: 110% of Sticker Price (MSRP) 48 Months or Less 3.75%
Includes Cars, Boats 110% of Sticker Price (MSRP) 49 to 60 Months 3.85%
110% of Sticker Price (MSRP) 61 to 72 Months * 4.10%
  110% of Sticker Price (MSRP) 73 to 84 Months ** 5.15%
  • *        Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing
  • **       Loan amount must be $40,000 or over to qualify for 73 to 84 Month financing
  • @ All terms, rates and financing amounts are based on your individual credit.
  • APR = Annual Percentage Rate

Used Vehicle Loans

  • Financing up to 110% of the vehicle NADA Clean Retail Value on vehicles less than 10 years old
  • Loan terms up to 72 months
  • Financing on vehicles 10 years and older up to 100% of NADA Clean Trade-In Value with a maximum term of up to 48 months
  • Very competitive rates
  • We offer several ways to protect your purchase and can often times beat the dealerships prices for these items:
    • -Mechanical Breakdown Insurance
    • -GAP Protection
    • -Credit Life and Disability Protection

Note: Click the plus sign next to the category to view its rates.

Current Used Vehicle Rates

Collateral Financing Amount(Up to) Terms Rates as low as:(APR)
Used Vehicle: 110% of NADA Trade-in Value 48 Months or Less 3.75%
Includes Cars, Boats 110% of NADA Trade-in Value 49 to 60 Months * 3.90%
110% of NADA Trade-in Value 61 to 72 Months * 4.10%
  • *       Loan amount must be $10,000 or over to qualify for 60 Month financing
  • **      Loan amount must be $20,000 or over to qualify for 61 to 72 Month financing
  •  
  • @All terms, rates, and financing amounts are based on your individual credit.
  • APR = Annual Percentage Rate

Comprehensive and collision insurance must be carried on all vehicle loans over $1,000.