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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.

New Vehicle Loans


Used Vehicle Loans

Used Vehicle Loans


Refinance Vehicle Loans

Refinance Vehicle Loans




Rate Discount

Vehicle Resources and Services

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.

CUDL AutoSmart Vehicle Resource Center

We're here to help finance your next new or used auto loan.  We want to make it convenient to get your loan and prepare you with the tools you'll need to make a wise buying decision.  With AutoSmart and Credit Union Direct Lending (CUDL), you can get a vehicle loan approval from Transportation Federal Credit Union within minutes, right at the dealership. CUDL is a fully automated loan approval system used by a growing number of dealerships. Just visit any participating CUDL dealer, request financing through Transportation Federal Credit Union, and drive away in your new or used vehicle - all in one visit!

If the dealership you chose doesn’t offer CUDL, not a problem. Apply at a TFCU branch or apply 24/7 online or by phone at 202-366-9400 or 800-368-8432.

Visit the CUDL AutoSmart website to search for dealers, search for cars, and access other auto buying resources.

Vehicle Loans (Last Modified: Jan 27, 2015)


Annual Percentage Rate (APR) As Low As+Relationship Packaged Accounts
Annual Percentage Rate
(APR) As Low As+
Autos, Boats, RVs & Motorcycles1.49%1.49%Up to 36 Months
1.74%1.49%37-48 Months
1.99%1.74%49-60 Months
2.24%1.99%61-72 Months
3.24%2.99%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.

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.