Vehicle Loans

The Great Auto Loan Payoff

Get your car or truck loan from us, because we’re paying off a TFCU auto loan up to $50,000!

See Official Rules

The Great Auto Loan Payoff

Get your car or truck loan from us, because we’re paying off a TFCU auto loan up to $50,000!

See Official Rules

3.10%

APR* on 36 month loan terms!

The fixed rate of 3.10% annual percentage rate (APR) applies to all model vehicles with a 36 month loan term. Rates range from 3.10% APR to 9.40% APR. The 3.10% APR is available to members with credit scores ranging from 700 to 850. Rate and term is current as of September 1, 2020 and is subject to change and credit approval.   

Here for You.

We pride ourselves in 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.

3.10%

APR* on 36 month loan terms!

The fixed rate of 3.10% annual percentage rate (APR) applies to all model vehicles with a 36 month loan term. Rates range from 3.10% APR to 9.40% APR. The 3.10% APR is available to members with credit scores ranging from 700 to 850. Rate and term is current as of August 1, 2020 and is subject to change and credit approval. 

We pride ourselves in 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.

Great Rates.
Apply Online In Minutes.

If you’re searching for a new or used car, truck, boat, RV or motorcycle, TFCU’s here to help. Enjoy great rates and an easy online application at TinkerFCU.org.

Apply Online
A young boy sticking his head out the car window

New Car Loans

Current New Car Loan Rates for 2019 – 2021

Term APR* as low as
Up to 36 Months 3.10%
37 – 66 Months 3.24%
67 – 72 Months 3.49%
73 – 84 Months 3.99%

Used Car Loans

Current Used Car Loan Rates for 2016 – 2018

Term APR* as low as
Up to 36 Months 3.10%
37 – 66 Months 3.49%
67 – 72 Months 3.74%
73 – 84 Months 4.24%

Late Model Used

Current Late Model Loan Rates for 2015 and older

Term APR* as low as
Up to 36 Months 3.10%
37 – 60 Months 3.74%
Rates and terms are subject to change.
Fixed: Rates range between 3.10% APR to 11.49% APR.
*APR: Annual Percentage Rate (APR). Actual APR is determined by borrower’s credit history, year model of vehicle, term requested and/or original amount financed. Interest accrues from the date of loan disbursement.
Terms: Range up to 84 months. (Terms are determined by the year model of the vehicle.)
Payment example 1: New or used vehicle loan of $20,000 for 36 months with no down payment and fixed 3.10% APR will have monthly payments of approximately $582.56 with a total repayment of $20,972.09 ($29.13 payment per $1,000.00).
Payment example 2: New vehicle loan of $25,000 for 66 months with no down payment and fixed 3.24% APR will have monthly payments of approximately $414.10 with a total repayment of $27,330.35 ($13.33 payment per $1,000.00).
Payment example 3: Used vehicle loan of $17,000 for 84 months with $3,000.00 down payment and fixed 11.49% APR will have monthly payments of approximately $295.61 with a total repayment of $24,830.72 ($17.39 payment per $1,000.00).

Drive Green. Save Green.

Get a Green Vehicle Loan from TFCU and start saving money and the environment.

Certified SmartWay and SmartWay Elite vehicles qualify for a .25% rate reduction on new, used and refinanced loans. Simply find a SmartWay vehicle and let TFCU know that your vehicle qualifies before final signing of your loan.

Find Qualified Vehicles

Go Green!

Green Vehicle Loans from TFCU help save money and gas.

Certified SmartWay and SmartWay Elite vehicles qualify for a .25% rate reduction on new, used and refinanced loans.

See Vehicle Designations

TFCU’s Car Buying Center

Find, Drive and Save.

Finding your next vehicle just got easier.

Go to TFCU's Car Buying Center