Vehicle Loans

Competitive rates and excellent terms

TFCU auto loans get you behind the wheel. Whether it is your first car or your dream car, we can help you drive away knowing you got a great rate. Get rates, calculate payments and apply online. Complete financing available (including tag, title, and tax) on new or used vehicles.

Vehicle Rates (Effective 4/18/2017 – Until Further Notice)

Fixed: Rates range between 2.99% APR to 11.84% APR.

Rates are based on each member’s credit history.

Terms:  Range from 0 to 84 months. (Terms are determined by the year model of the vehicle.)

Rates disclosed below are annual percentage rates (APR)


Transactions for Vehicle Loans & Rates:








Amount Financed 25,000.00 40,000.00 17,000.00
Term (Months) 60 84 84
Loan to Value 115% 115% 85%
Down Payment 0.00 0.00 3,000.00
APR 2.99% 3.49% 11.84%
Fixed or Variable Fixed Fixed Fixed
Monthly Payment 449.13 537.47 298.74
Total Repayment 26,947.30 45,147.06 25,093.56
Payment Per $1,000.00 17.97 13.44 17.58















Loans to purchase or refinance vehicles receiving one of the SmartWay or SmartWay Elite designations qualify for a .25% rate reduction. Vehicle designations may be viewed at

Car-Buying Resources

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