Vehicle Loans

When you are ready to make your car purchase, we have options to set you on the fast track for an easy, smooth ride towards your auto loan.

We offer up to 100% financing including taxes, tags, and title on new and used cars, motorcycles, trucks, and SUVs as allowed by MSRP for current model vehicles or the maximum NADA value for used vehicles. Age of used vehicle not to exceed 7 model years.

New Vehicle Loans

Get an auto loan with TFCU


Used Vehicle Loans

Used Vehicle Loans


Refinance Vehicle Loans

Refinance Vehicle Loans


Rate Discount

Vehicle Resources and Services

  • Car Buying Service
  • Auto Insurance
  • Guaranteed Asset Protection - GAP covers the difference between your primary insurance settlement and the remainder of your loan, less any delinquent payments and fees. GAP supplements primary auto insurance coverage and can be financed as part of your loan. 
  • Loan Payment Protection - MEMBER’S CHOICE™ Borrowers Security
  • Vehicle Safety Tips

Why Apply with Us?

  • Get a fast pre-approval
  • Competitive Rates
  • Easy application online, in-person, mail , fax, phone, or at participating dealerships
  • Convenient repayment through payroll deduction or online payment transfer
  • Affordable debt protection coverage available
  • Mechanical Breakdown Extended Warranty Protection
  • GAP Protection available for only $250.00

Vehicle Refinance

It's not too late to save at TFCU if you financed your most recent vehicle purchase with a dealer or another lender. We have money to lend at competitive rates. With rates at historic lows, there's never been a better time to refinance and save money . We offer flexible repayment terms, competitive rates, and affordable monthly payments. Refinancing your loan to TFCU may lower your interest rate, lower your monthly payment or possibly shorten your term. Talk to us and we can see if we can help save you money.


Vehicle Loans (Last Modified: Oct 03, 2017)


Annual Percentage Rate (APR) As Low As+Relationship Packaged Accounts
Annual Percentage Rate
(APR) As Low As+
Autos, Boats, RVs & Motorcycles1.99%1.99%Up to 36 Months
2.24%1.99%37-48 Months
2.49%2.24%49-60 Months
2.74%2.49%61-72 Months*
3.74%3.49%73 Months and greater*

*Terms over 60 months depend on vehicle age and loan amounts. 100% financing available on approved credit. Financing up to 80% of the NADA retail value for used recreational vehicles or MSRP for current models on boats and other recreational vehicles including campers, mobile homes, personal watercraft, and travel trailers. Age of used vehicle not to exceed 7 model years.

Rates are subject to change without notice.

+ At no time can the discounted loan rate be lower than the Credit Union’s designated floor rate. APR may be higher based on past and present credit performance.