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Get moving with a
low-rate TDECU auto loan

No payments for 90 days2 and no money down!

A change of scenery would be great right about now. And with the cool(ish) air finally making it our way, there's no better time for a classic Texas road trip. We're thinking you might as well enjoy the view from a new set of wheels, and we have some inspiration to help you do just that.

Applying is easy and can be done online in minutes. Plus, we’re typically able to provide loan decisions within 24 hours, so you can get on the move faster. And, when you get pre-approved for your loan, you’ll know exactly what you can afford and can negotiate with confidence.

Questions? Call TDECU Member Care at (800) 839-1154 or stop by your nearest Member Center.


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

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!

1 APR = Annual Percentage Rate.

2 Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option.

Limited time offer; subject to change without notice. Credit approval and proof of income required. Other terms/conditions apply; contact TDECU for details. Advertised APR is the lowest rate offered for a 48-month term and includes a 0.25% discount for a recurring direct deposit of $250 or more. Other rates/terms are available. Actual rate received is determined by loan term and credit score of applicant. Terms of Repayment: A $30,000 loan with a 48-month term at 2.49% APR equals a $657.29 monthly payment.

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