Auto Loans

Auto Loan Benefits

Finance your vehicle with us and receive the following great benefits:

  • Up to 125% financing
  • Lower rates on hybrid and electric vehicles*
  • First Time Auto Buyer’s Program
  • Pre-Approvals with Xpress checks** for more bargaining power at the dealer
  • Optional Guaranteed Auto Protection (GAP) Coverage; Mechanical Breakdown Coverage and/or Payment Protection

New Auto & Motorcycles
(2025-2023)

New Auto & Motorcycles Loans (2025-2023)APR as low as
0 to 36 Months4.99%
37 to 60 Months5.24%
61 to 72 Months (Minimum Loan Amount – $15,000)5.99%
73 to 84 Months (Minimum Loan Amount – $25,000)6.99%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 4.99% APR is a monthly payment of $299.66. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Used Auto & Motorcycles
(2023-2017)

Used Auto & Motorcycle Loans (2023-2017)APR as low as
0 to 36 Months4.99%
37 to 60 Months5.24%
61 to 72 Months (Minimum Loan Amount – $15,000)5.99%
73 to 84 Months (Minimum Loan Amount – $25,000)6.99%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 36 months at a rate of 4.99% APR is a monthly payment of $299.66. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

Older Used Auto & Motorcycles
(2016 or older)

Older Used Auto & Motorcycle Loans (2016 or older)APR as low as
0 to 48 Months7.24%
49 to 60 Months7.49%
*APR = Annual Percentage Rate. Rate is subject to change. The rates stated above are the lowest rates offered and assume less than 90% loan to value and mileage less than 100,000. Actual Annual Percentage Rate(APR) may vary based on creditworthiness, age of vehicle, loan-to-value, mileage and terms of the loan. Not all members will qualify for the lowest rate. Auto Loan Payment Example: $10,000 for 48 months at a rate of 7.24% APR is a monthly payment of $240.58. Rate disclosed includes .25% discount for automatic payment from a TCAFCU account.

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*Finance a hybrid or electric vehicle and receive a 1% rate discount on your auto loan. Purchases only. Cannot be combined with any other loan discounts.

**Xpress Check Get pre-approved for an auto loan and you’ll receive an Xpress Check to purchase your vehicle. You’ll have the power to negotiate the best bottom line price, because you already have the check in hand when you visit the dealer. It’s a great way to get the car you want at the price you want.

Auto Refinance – 1% Cash back offer – valid on vehicle loans refinanced from another financial institution to TCAFCU. Offer will be based on the total amount of the TCAFCU vehicle loan. To qualify for the cash back offer, loan amount minimum is $10,000. Loan balances under $10,000 will not qualify for this cash back offer. The maximum cash back is $500 per vehicle loan. Commercial loans & existing TCAFCU loans are not eligible for this offer. Must be 18 years of age to qualify. Cash back will be paid at the time the loan is funded. The loan must stay open for at least six (6) months, or the cash back amount will be added to the loan payoff amount. Cannot be combined with any other loan discounts.

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