TEXCU was built from real-world automotive and financing experience—not theory. After more than 30 years in the automotive industry, I saw firsthand how confusing and frustrating the financing process could be for consumers. Too many people were bounced between dealerships and lenders, overwhelmed by paperwork, unsure of their options, and often walking away from vehicles they could have qualified for with the right guidance and lender relationships.

​

I created TEXCU to simplify that process and provide consumers with a smarter path forward. TEXCU connects members with trusted credit unions, community banks, financing resources, and tools designed to create better financial opportunities while reducing the stress that often comes with vehicle financing. Instead of navigating the process alone, members gain access to a financial network built to help them make informed decisions with confidence.

​

What makes TEXCU different is experience. We understand how dealerships operate, how lenders evaluate applications, and how to structure financing opportunities for consumers—including those facing credit challenges. TEXCU was designed to bridge the gap between consumers, lenders, and dealerships while creating a more transparent, supportive, and relationship-driven financing experience.

​

A major part of building TEXCU has been my longtime friend and business partner, Jennifer Miller. Jennifer and I have worked together for more than 15 years, combining automotive and banking experience to help create a smarter financial platform for both consumers and dealers.

 

Jennifer brings extensive indirect lending experience from major banking institutions and was instrumental in developing the backend tools and financial workflow systems that power TEXCU today. Her expertise in lender operations, funding processes, and consumer financing has helped shape TEXCU into a true Financial Membership Platform focused on long-term relationships and better financial outcomes.

​

At its core, TEXCU is more than a financing platform. It is a membership-based financial ecosystem centered around access, guidance, education, relationships, and opportunity. Whether you are rebuilding credit, searching for better financing options, or simply looking for guidance from professionals who understand the industry, TEXCU was created to help you move forward with confidence and create stronger financial opportunities for the future.

​

— Tom Stokes, President

​

More about Tom