Auto & Motorcycle Loans
TCT offers our members Conventional and Payment Saver Auto Loans.
If you're ready for a new ride, whether it's a new or used vehicle or motorcycle, you're in the right place. TCT offers highly competitive loan rates and a quick and easy loan process. Plus, enjoy no payments for up to 90 days*, and a 0.25% loan rate discount when you set up automatic loan payments from a TCT checking account or payroll deduction.
Find a Vehicle blue section goes here
Exploring your financing options?
If you're considering a lease, or want to find out how much you can afford on your budget, take a look at our unique Payment Saver Auto Loans — offering lease-like payments plus all the benefits of vehicle ownership.
Ready to get pre-approved?
If you've found a great deal on a vehicle and you're ready to secure financing, get started by applying today.
* Although the first payment may not be due until 90 days from the date loan is funded, interest will accrue during this time. Deferment is not available for Payment Saver Auto Loans.
Before you purchase a car
- What a Car Loan Costs (What is APR)
- Auto Insurance
- Getting a Car
- How to obtain a good credit score
- Calculator - Auto Loan Affordability
- Calculator - Auto Loan Payoff
| Term | APR* (Rates as low as) | Monthly Payment per $1000 |
|---|---|---|
| CONVENTIONAL AUTO LOAN MODEL YEARS: 2021 & NEWER | ||
| 3 Year (36 Month) | 4.75% | $29.86 |
| 5 Year (60 Month) | 5.50% | $19.10 |
| 6 Year (72 month)** | 5.75% | $16.46 |
| 7 Year (84 month)*** | 7.25% | $15.22 |
| ** The 6 Year Term requires a minimum loan amount of $15,000. *** The 7 Year Term is eligible for the current model year only and requires a minimum loan amount of $30,0000. | ||
| CONVENTIONAL AUTO LOAN MODEL YEARS: 2020 & OLDER | ||
| 3 Year (36 Month) | 5.74% | $30.31 |
| 4 Year (48 Month) | 6.25% | $23.60 |
| 5 Year (60 Month) | 6.74% | $19.68 |
| 6 Year (72 month)** | 7.00% | $17.05 |
| ** The 6 Year Term requires a minimum loan amount of $20,000. | ||
| *Important Facts APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account. Under the Credit Union's guidelines for lending and the purposes of this rate sheet, vehicles are defined as automobiles, SUVs and motorcycles. Sport crafts are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal watercraft. Low cost GAP Protection is available on all vehicle and sport craft loans. TCT FCU requires collision and comprehensive insurance on all automobile and motorcycle loans. | ||
| Apply Online | ||
| Term | APR* (Rates as low as) | Calculate a Monthly Payment |
|---|---|---|
| Payment Saver monthly payments are factored specifically to the vehicle. Please use the provided link to calculate a monthly payment or contact us. | ||
| MODEL YEARS: 2021 & NEWER | ||
| 3 Year (36 month) | 5.75% | CALCULATE PAYMENT |
| 5 Year (60 month) | 6.50% | CALCULATE PAYMENT |
| 6 Year (72 month)** | 6.75% | CALCULATE PAYMENT |
| ** The 6 Year Term requires a minimum loan amount of $15,000. | ||
| MODEL YEARS: 2020 & 2019 | ||
| 3 Year (36 month) | 6.74% | CALCULATE PAYMENT |
| 4 Year (48 month) | 7.25% | CALCULATE PAYMENT |
| 5 Year (60 month) | 7.74% | CALCULATE PAYMENT |
| *Important Facts APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term. The disclosed rates reflect a .25% discount for an automatic payment from payroll deduction or direct transfer from a TCT checking account. Under the Credit Union's guidelines for lending and the purposes of this rate sheet, vehicles are defined as automobiles, SUVs and motorcycles. Sport crafts are defined as all terrain or all purpose vehicles, snowmobiles, dirt bikes, and personal watercraft. Low cost GAP Protection is available on all vehicle and sport craft loans. TCT FCU requires collision and comprehensive insurance on all automobile and motorcycle loans. | ||
| Calculate Your Payment | ||
Auto Loan Refinance
You may have driven off the lot with an auto loan rate your credit union can beat. TCT has the roadmap to budget-friendly payments and low loan rates.
Lower your Payment with a Payment Saver Auto Loan
Learn how you can avoid the negative equity treadmill, get all of the flexibility and benefits of vehicle ownership, and free-up more cash in your budget.
