Vehicle Loans

Car Loan Calculator

Want to quickly calculate your monthly payments? Click above to use our loan calculator. Calculation is based on estimates.
Payments may vary.

Automobile (new and used)

Stop paying high interest rates and finance your new or used vehicle with Chocolate Bayou. And, receive a 1/2% discount off the regular Annual Percentage Rate simply for having a Chocolate Bayou checking account. We have 24, 36, 48, 60 and 72-month loans — AND ways to make sure that used vehicle you’re buying is not a lemon!

Recreational Vehicles, Boats, Motors, and Trailers

You can get the same low rates and multiple term options on your recreational vehicles. Call our Lending Department at 281.331.2253 and ask about all your options when financing through your credit union. View our current rates.

Auto Exam and Warranties

A complete vehicle inspection BEFORE you buy your used vehicle can keep you from getting stuck with a lemon! And, when you close your Chocolate Bayou auto loan of $5,000 or more, your exam is FREE. For more information on Auto Exam and extended warranty protection, go to or ask one of your Lending representatives.

Gap Insurance

How would you like Guaranteed Auto Protection? With GAP insurance, you can have greater peace of mind that your investment is fully protected. GAP protects against financial loss in the event that your vehicle is totaled or stolen and never recovered. GAP covers the difference between the market value of your vehicle and the loan/lease balance (less delinquent payments, late charges, etc.) For more details, call a Lending Rep today.

For more information about Chocolate Bayou financial services, please contact us or give us a call at 281.331.2253

Apply for a loan online

Our loan process is quick and easy – complete the application and select Submit! Please remember that once a loan is approved members will need to visit the credit union to sign the paperwork. Click here to apply for a loan online.