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Vehicle Loans

Finding Your Next Car Just Got Easier.


TFCU’s new Car Buying Center gives you access to vehicles from dealers nationwide.

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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 5/1/2019 – Until Further Notice)

Fixed: Rates range between 4.24% APR to 12.24% 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)

Example Transactions for Vehicle Loans & Rates:
Collateral 2020 Vehicle 2019 Vehicle 2015 Vehicle
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 4.24% 4.74% 12.24%
Fixed or Variable Fixed Fixed Fixed
Monthly Payment $463.16 $560.55 $302.52
Total Repayment $27,789.14 $47,085.36 $25,410.94
Payment Per $1,000.00 $18.53 $14.02 $17.80

Green Loans

Get a Green Vehicle Loan from TFCU, and help save money and gas.

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 http://www.epa.gov/greenvehicles.

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