Today auto loans starting at 2.49% APR 1.Get in the driver’s seat

Discover the car finance that’s right for you personally

We provide a selection of purchase and financing options to help make your automobile buying simple and hassle-free with competitive interest levels, discounts and payment that is flexible. Utilize our convenient car loan calculators to compare car finance rates and terms and protect your vehicle with your payment security and insurance options.

We have funding for leisure vehicles such as for instance ATV/UTV, RVs, and ships. Whatever your transportation requirements, TDECU often helps enable you to get within the motorist’s seat!

Why choose TDECU for the loan?

  • Prices starting at 2.49% APR 1
  • No money down solutions
  • Discounts for recurring deposit that is direct of250 or even more
  • No concealed charges, expenses, or early-payoff charges
  • Affordable payment plans customized to your requirements
  • 24-hour approval of many loans
  • Terms provided that 72 months
  • Brand New or utilized automotive loans

    No cash straight straight down choices available, discounts for recurring direct deposits of $250 or even more, with no hidden charges, expenses or early payoff charges

    2.49% – 48 Mo. – brand New car

    No re payments for ninety days 3

    Have your car finance somewhere else?Refinance with TDECU! 2

    Reduce your payment per month. Discounts for recurring direct build up of $250 or maybe more, with no concealed costs, expenses or payoff that is early

    2.49% – 48 Mo. – New car

    No re payments for ninety days 3

    Motorcycle, leisure and boat car loans

    Thinking of buying a bike, ship, RV, ATV/UTV or, to refinance that loan held somewhere else 2 we now have funding options for many, too!

    4.49% – 48 Mo. – brand New motorcycle5.25% – 48 Mo. – New boat5.25% – 48 Mo. – brand New leisure automobile

    No re payments for ninety days 3

    Brand New or utilized automobile financing

    Get car loan elsewhere?Refinance with TDECU! 2

    Motorcycle, watercraft and leisure vehicle loans

    No cash straight down choices available, discounts for recurring direct deposits of $250 or higher, and no concealed costs, expenses or payoff that is early

    Reduce your payment. Discounts for recurring direct deposits of $250 or higher, with no hidden costs, costs or payoff that is early

    Thinking of buying a bike, watercraft, RV, ATV/UTV or, to refinance financing held somewhere else 2 we now have funding options for anyone, too!

    2.49% – 48 Mo. – brand New car

    2.49% – 48 Mo. – brand brand New car

    4.49% – 48 Mo. – brand brand New motorcycle5.25% – 48 Mo. – New boat5.25% – 48 Mo. – New leisure automobile

    No re payments for 3 months 3

    No re re payments for 3 months 3

    No re payments for ninety days 3

    Approaches to shop for the vehicle

    Get pre-approved

    You are a serious buyer and will be ready to offer a good deal to get your business when you are pre-approved for a TDECU auto loan, car dealers know. Plus, you’re going to be confident understanding that you’ve got low-rate funding given by TDECU.

    Finance in the dealership

    TDECU financing can be acquired directly at a huge selection payday loan Lithonia of dealerships in Texas. When you discover the car you desire, inform the dealer you prefer your loan from TDECU, complete the paperwork then right during the dealership, as well as in almost no time your loan is authorized.

    Shop with Carvana

    Carvana has an online showroom of examined, top-notch automobiles. In several presses it is possible to pick, finance, and pick-up your vehicle from their automobile Vending device or have your vehicle brought to you. All with a 7-day guarantee that is money-back.

    Car finance calculators

    Our online car loan calculators will help you calculate your instalments in order to get the right loan for you.

    Decide on a calculator through the list below.

    Auto: Just How Much Will My Car Re Payments Be? Automobile: How Much Car Can I Pay For?

    Here is what you’ll need to provide us to get going:

  • Work, income, and housing information
  • Amount you desire to finance (cost, fees, name, permit, and warranties, less downpayment that is any
  • Amount of the mortgage, also called the expression of the loan
  • We will need the title, loan, registration and license information if you are trading in a vehicle
  • For those who have currently chosen a car to acquire, we are going to require the Vehicle Identification Number (VIN), the actual mileage therefore the dealer or vendor’s title
  • Payment insurance and protection protection

    GAP insurance coverage

    This protection is supplemental to most of your insurance coverage and certainly will help with spending any differences when considering what exactly is owed in your vehicle, therefore the value that is vehicle’s.

    Automobile benefit benefit

    Included included in the GAP insurance coverage, this advantage pays around $500 per loss (unlimited losses each year) whenever a claim is filed and compensated together with your main insurance coverage provider.

    TDECU Insurance Agency, LLC

    Our agency will continue to work with you to definitely obtain the most readily useful motor insurance prices that won’t sacrifice protection. We are going to perform some contrast work, finding you the most useful protection at the very best value.

    Publish proof of insurance

    Have you received a letter within the mail regarding Collateral Protection Insurance (CPI)? Click on the key below to give your evidence of insurance on line.

    Car loan FAQ

    How do being help that is pre-approved once I am searching for a car?

    You can focus on negotiating the best price when visiting the dealership when you are pre-approved for a vehicle loan. This permits you to definitely go shopping with full confidence, once you understand you may not end up getting higher level funding. Dealers have a tendency to simply simply take individuals with pre-approved financing more really since it means you are earnestly to locate a car prepared to conduct business.

    May I be approved for a car loan and possess funds available the exact same time?

    Most of the time, you might be authorized and funds provided the exact same day. We realize that sometimes the vehicle-buying procedure can be a matter that is urgent. We will reply to your concerns which help expedite the automobile loan approval and application process.

    Could I make extra re re payments and spend my vehicle loan off sooner than the initial term?

    Yes. At TDECU, there are not any prepayment charges for paying down your vehicle loan sooner than your initial term. In reality, it is a terrific way to spend less on interest on the long term!

    1 APR = Annual Percentage Rate.

    2 Existing TDECU loans are ineligible for refinancing.

    3 Interest will likely be charged for your requirements through the initial loan date regarding the unpaid balance through the payment deferral period that is 90-day. Loan-to-Value needs to be not as much as 125% and the very least credit history of 660 is needed to be eligible for a the deferred payment choice.

    Advertised 2.49% APR may be the cheapest price offered for a 48-month term and carries a 0.25% discount for recurring direct deposit of $250 or even more. Price based on loan credit and term score. Regards to repayment: A $15,000 loan by having a 48-month term at 2.49per cent APR equals a $328.64 payment that is monthly. Credit approval required. Minimal automobile refinance mortgage quantity is $3,000. Other terms/conditions use; contact TDECU for details.