New and Used Auto Loans
Whether you're buying new, buying used, or looking to refinance your current vehicle, TCCU offers competitive auto loan rates with flexible terms and up to 100% financing. Take advantage of lease look-alike options through our Payment Saver program by AFG, protect your investment with mechanical breakdown insurance and car insurance through TruStage, and apply online in minutes.
| Model Years | Term | APR* as low as |
|---|---|---|
| 2016 or Newer | Up to 96 months | 4.49% |
*APR = Annual Percentage Rate. Includes a .25% discount for Direct Deposit from a payroll entity, combined with auto pay from a TCCU account. All loans are subject to approval. Rates, terms, and conditions are subject to change. Auto loan rates vary depending on your overall qualifications, credit, collateral, and requested terms. Additional discounts are available.
Rates are current as of April 1, 2026.
Auto Loan Extras
Mechanical Breakdown Insurance
You paid a lot of money for your vehicle. An extended warranty makes sure you get the most out of your investment by providing protection from unexpected repair costs stemming from mechanical or electrical failure, which can amount to thousands of dollars over the life of your warranty.
Our extended warranty also helps you enjoy worry-free driving with nationwide coverage, 24-hour emergency roadside assistance, and rental car assistance. And, you can transfer coverage—a nice incentive should you sell your car before the warranty expires.
Mechanical Breakdown Insurance
TruStage® Auto Insurance Program
As a TCCU member, you may qualify for exclusive savings on auto insurance through TruStage. Compare plans from leading carriers, get 24-hour claims support, and take advantage of discounts for safe drivers and multi-policy holders — all with no sales pressure.
Payment Saver by AFG
TCCU members can take advantage of smart auto financing through Auto Financial Group (AFG). Enjoy lower monthly payments — typically 30–45% less than conventional financing — with flexible terms from 24 to 72 months, no prepayment penalties, and mileage plans to fit your driving habits. At loan maturity, you can trade in, sell, refinance, or simply return the vehicle and walk away.
Payment Saver Calculator Borrower Benefits