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Auto Loans starting at 2.49% APR1

Get in the driver's seat today

Find the auto loan that is right for you

We offer a range of purchase and financing options to make your auto buying easy and hassle-free with competitive interest rates, discounts and flexible payment plans. Use our convenient auto loan calculators to compare auto loan rates and terms and protect your vehicle with our payment protection and insurance options.

The TDECU Auto Loan

  • No money down options available.
  • Discounts for recurring direct deposit of $250 or more.
  • No hidden fees, costs, or early-payoff penalties.
  • Affordable payment plans customized to your needs.
  • 24-hour approval on most loans.
  • Terms as long as 72 months.
 




New or used auto loans

No money down options available, discounts for recurring direct deposits of $250 or more, and no hidden fees, costs or early payoff penalties

APR1 as low as:

2.49% – 48 Mo. – New vehicle

Payment Deferral:

No payments for 90 days3

 


Have your auto loan elsewhere?
Refinance with TDECU!2

Lower your monthly payment. Discounts for recurring direct deposits of $250 or more, and no hidden fees, costs or early payoff penalties

APR1 as low as:

2.49% – 48 Mo. – New vehicle

Payment Deferral:

No payments for 90 days3

 



Motorcycle, boat and leisure vehicle loans

Looking to buy a motorcycle, boat, RV/Campaign, ATV/UTV or personal watercraft, or to refinance a loan held elsewhere?2 We have financing options for those, too!

APR1 as low as:

4.49% – 48 Mo. – New motorcycle
5.25% – 48 Mo. – New boat
5.25% – 48 Mo. – New leisure vehicle

Payment Deferral:

No payments for 90 days3

 
 
 




New or used auto loans


Have your auto loan elsewhere?
Refinance with TDECU!2



Motorcycle, boat and leisure vehicle loans

No money down options available, discounts for recurring direct deposits of $250 or more, and no hidden fees, costs or early payoff penalties

Lower your monthly payment. Discounts for recurring direct deposits of $250 or more, and no hidden fees, costs or early payoff penalties

Looking to buy a motorcycle, boat, RV/Campaign, ATV/UTV or personal watercraft, or to refinance a loan held elsewhere?2 We have financing options for those, too!

APR1 as low as:

2.49% – 48 Mo. – New vehicle

APR1 as low as:

2.49% – 48 Mo. – New vehicle

APR1 as low as:

4.49% – 48 Mo. – New motorcycle
5.25% – 48 Mo. – New boat
5.25% – 48 Mo. – New leisure vehicle

Payment Deferral:

No payments for 90 days3

Payment Deferral:

No payments for 90 days3

Payment Deferral:

No payments for 90 days3

Calculators

Our online auto loan calculators will help you estimate your payments so you can find the right loan for you.

Ways to shop for your vehicle

Here's what you'll need to provide us to get started:

  • Employment, income, and housing information.
  • Amount you would like to finance (purchase price, taxes, title, license, and warranties, less any downpayment).
  • Length of the loan, also known as the term of the loan.
  • If you are trading in a vehicle we will need the title, loan, registration and license information.
  • If you have already selected a vehicle to purchase, we will need the Vehicle Identification Number (VIN), the exact milage and the dealer or seller's name.

Payment protection and insurance coverage

Received an insurance notice from us?

If you received a notice requesting insurance information or we have placed Collateral Protection Insurance (CPI) on your auto loan, you can provide your insurance information to us online.


Auto Loan FAQ

How can being pre-approved help me when I am shopping for a vehicle?

When you are pre-approved for a vehicle loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high rate financing. Dealers tend to take people with pre-approved financing more seriously because it means you're actively looking for a vehicle ready to do business.

Can I be approved for a vehicle loan and have funds available the same day?

In many cases, you may be approved and funds made available the same day. We understand that sometimes the vehicle-buying process is an urgent matter. Our team will answer your questions and help expedite the vehicle loan application and approval process.

Can I make additional payments and pay off my loan earlier than the original term?

Yes. At TDECU, there are no prepayment penalties for paying off your loan earlier than your original term. In fact, it’s a great way to save on interest over the long run!

Advertised 2.49% APR is the lowest rate offered for a 48-month term and includes a 0.25% discount for recurring direct deposit of $250 or more. Rate determined by loan term and credit score. Terms of repayment: A $15,000 loan with a 48-month term at 2.49% APR equals a $328.64 monthly payment. Credit approval required. Minimum auto refinance loan amount is $3,000. Other terms/conditions apply; contact TDECU for details. 1APR = Annual Percentage Rate. 2Existing TDECU loans are ineligible for refinancing. 3Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Limited time offer.

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