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TDECU Auto Loans

TDECU Auto Loans

Get in the driver’s seat today with loans starting at 2.49% APR1

Why choose TDECU for your loan?

  • Rates starting at 2.49% APR1
  • No money down option available
  • Discounts for recurring direct deposit of $250 or more
  • No hidden fees, costs, or early-payoff penalties
  • Affordable monthly car payment plans customized to your needs
  • Terms as long as 84 months

Find the right auto loan for you

We offer a range of purchase and financing options to make your car-buying process 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!

 

 

New and Pre-Owned Auto Loan

Competitive financing options for new and used cars, vans, SUVs, and trucks. No money down option available, and a 0.25% rate discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account.3 Plus, 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

 

Refinance Your Auto Loan

Refinance option for new and used cars, vans, and trucks.2 Plus, receive a 0.25% rate discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Plus, 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, RV, and Leisure Vehicle Loans

Looking to buy a motorcycle, boat, RV, ATV/UTV, or to refinance a loan held elsewhere?2 TDECU offers loans for new and pre-owned vehicles, and refinance options too.

APR1 as low as:

4.49% – 48 Mo. – New motorcycle
5.25% – 72 Mo. – New boat/new RV
5.25% – 60 Mo. – New ATV/UTV or other leisure vehicle

Payment Deferral:

No payments for 90 days3

 
 
 

New and Pre-Owned Auto Loan

Refinance Your Auto Loan

Motorcycle, Boat, RV, and Leisure Vehicle Loans

Competitive financing options for new and used cars, vans, SUVs, and trucks. No money down option available, and a 0.25% rate discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account.3 Plus, no hidden fees, costs, or early payoff penalties.

Refinance option for new and used cars, vans, and trucks.2 Plus, receive a 0.25% rate discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Plus, no hidden fees, costs, or early payoff penalties.

Looking to buy a motorcycle, boat, RV, ATV/UTV, or to refinance a loan held elsewhere?2 TDECU offers loans for new and pre-owned vehicles, and refinance options 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% – 72 Mo. – New boat/new RV
5.25% – 60 Mo. – New ATV/UTV or other 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 pre-qualified

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.
 

Finance at the dealership

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

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

  • Employment, monthly income, credit history, 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, lender or seller's name
Get Started

Auto Loan Calculators

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

Select a calculator from the list below.

Vehicle Information
Loan Information
Results
 

Payment protection and insurance coverage

GAP insurance

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.
 

Auto advantage benefit

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.
 

TDECU Insurance Agency, LLC

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.
 

Submit proof of insurance

Have you received a letter in the mail regarding Collateral Protection Insurance (CPI)? Submit your documentation online.

TDECU Auto Loans Frequently Asked Questions

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

When you are pre-approved or have pre-qualification 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 car loan earlier than your original term. In fact, it’s a great way to save on interest over the long run! Use our loan pay off calculator to see how long will it take to pay off my car?

Does a car loan pre-approval affect your credit score?

Prequalification typically involves a soft credit inquiry, which does not affect your credit score. You will also need to provide basic information like your annual income and monthly expenses.

1APR = Annual Percentage Rate. Advertised rates include a 0.25% discount for a recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account.

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. Not available for commercial vehicle classifications. Other terms/conditions apply; contact TDECU for details.

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