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Auto loans starting at 2.49% APR1

Get in the driver's seat today

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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.

We also have financing for leisure vehicles such as ATV/UTV, RVs, and boats. Whatever your transportation needs, TDECU can help get you in the driver's seat!

Why choose TDECU for your loan?

  • Rates starting at 2.49% APR1
  • 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

Apply Now View Rates
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

Apply Now View Rates
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, ATV/UTV or, to refinance a loan held elsewhere2 We have financing options for those, too!

Apply Now View Rates
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, ATV/UTV or, to refinance a loan held elsewhere2 We have financing options for those, too!

Apply Now View Rates
Apply Now View Rates
Apply Now View Rates
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

Ways to shop for your vehicle

Get preapproved checkmark

Get pre-approved

When you are pre-approved for a TDECU auto loan, car dealers know you are a serious buyer and will be ready to offer a good deal to get your business. Plus, you'll be confident knowing that you have low-rate financing provided by TDECU.


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Finance at the dealership

TDECU financing is available directly at hundreds of dealerships in Texas. Once you find the vehicle you want, tell the dealer you want your loan from TDECU, then complete the paperwork right at the dealership, and in no time your loan is approved.


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Shop with Carvana

Carvana offers an online showroom of inspected, high-quality vehicles. In a few clicks you can select, finance, and pick-up your car from their Car Vending Machine or have your car delivered to you. All with a 7-day money-back guarantee.


Auto loan calculators

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

Select a calculator from the list below.

Vehicle Information

Loan Information

Results
 

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 mileage and the dealer or seller's name

Payment protection and insurance coverage

car and shield

GAP insurance

This coverage is supplemental to your primary insurance policy and can assist with paying any differences between what is owed on your vehicle, and the vehicle’s value.

Learn More
cash and shield

Auto advantage benefit

Included as part of the GAP Insurance policy, this benefit pays up to $500 per loss (unlimited losses per year) when a claim is filed and paid with your primary insurance carrier.

Learn More
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TDECU Insurance Agency, LLC

Our agency will work with you to find the best car insurance rates that won’t sacrifice coverage. We'll do the comparison work, finding you the best coverage at the best value.

Learn More

Submit proof of insurance

Have you received a letter in the mail regarding Collateral Protection Insurance (CPI)? Click the button below to provide your proof of insurance online.

Show Proof of Insurance

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 vehicle loan earlier than the original term?

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

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. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option.

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.

Earn up to $500

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