Auto Loan Refinance

Limited Time Auto Loan Sale

Lock-in TCT's lowest rate when you apply now through May 31!

Burdened with a High Monthly Payment on your Auto Loan?

Refinance your current auto loan from another lender and save. You may be able to pay it off more quickly or lower your monthly payment, freeing more cash for your short or long-term goals. Plus, enjoy no payments for 90 days*, and a variety of terms to meet your needs. Our Payment Saver Auto Loans can help reduce your payment even more for vehicles up to five years old.

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Calculate Your Potential Auto Refinance Savings

Compare your current loan from another lender with a refinance loan at TCT.
Current TCT loans are not eligible for refinancing.

Loan balance Enter your loan balance

Monthly payment Enter your current monthly payment

Interest rate (%) Enter your current loan's interest rate

Refinance amount Enter the amount you want to refinance

Term (months) Enter a loan term in months

Interest rate (%)

	Current loan	New Loan	Difference
Monthly payment
Months remaining
Interest remaining

Auto and Motorcycle Loan Rates

Effective Date: Wednesday, May 21st, 2025

Term	APR* (Rates as low as)	Monthly Payment per $1000
CONVENTIONAL AUTO LOAN MODEL YEARS: 2022 & NEWER
3 Year (36 Month)	4.25%	$29.64
5 Year (60 Month)	5.00%	$18.87
6 Year (72 month)**	5.25%	$16.22
7 Year (84 month)***	6.75%	$14.97
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: 2021 & OLDER
3 Year (36 Month)	5.24%	$30.08
4 Year (48 Month)	5.75%	$23.37
5 Year (60 Month)	6.24%	$19.45
6 Year (72 month)**	6.50%	$16.81
** 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.
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Payment Saver Auto Loan Rates

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. A sample monthly payment based on a $40,000 loan would be $470.71 for payments 1-59, with a 60th payment of $18,500, depending on the vehicle's Guaranteed Future Value. Guaranteed Future Value (GFV) is the projected value of the vehicle at loan maturity. Our Payment Saver program guarantees this residual value. If your vehicle is worth less than what you owe on your loan at maturity, you can turn the vehicle in and walk away.
MODEL YEARS: 2022 & NEWER
3 Year (36 month)	5.25%	CALCULATE PAYMENT
5 Year (60 month)	6.00%	CALCULATE PAYMENT
6 Year (72 month)**	6.25%	CALCULATE PAYMENT
** The 6 Year Term requires a minimum loan amount of $15,000.
MODEL YEARS: 2021 & 2020
3 Year (36 month)	6.24%	CALCULATE PAYMENT
4 Year (48 month)	6.75%	CALCULATE PAYMENT
5 Year (60 month)	7.24%	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.
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Considering a lease?

With our unique Payment Saver Auto Loans you may be surprised to find out you can afford to own your dream car on your budget with a lease-like monthly payment, plus all the benefits of vehicle ownership.

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TCT Insurance Discounts

TCT partners with TruStage/Liberty Mutual to offer our members insurance discounts to help protect their investments with affordable rates to fit their budget.

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FAQs

By what methods can I pay my TCT loan?

How can I apply for a loan?

What if I can't make my loan payment?

Do you have to be a member to apply for a loan?

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Testimonials

"We were looking for ways to lower our monthly payments on our vehicles. TCT is saving us almost $300 a month. We were so fortunate to have worked with them."

— Courtney W.

"I can't wait to have all of my debts consolidated into one payment with TCT's VISA!"

— Katy B.

"I had the good fortune to refinance my vehicle loan and save hundreds of dollars with TCT."

— William G.

"I recently had the pleasure of working with TCT on a home equity loan that consolidated my mortgage, second mortgage, and credit card debt. I now save over $1,100 monthly without extending the remaining time on my mortgage loan. Talk about a lifesaver!"

— William G.

"My car loan was done in a flash, instant approval. It was the easiest loan experience I’ve ever had."

— Dee M.

"TCT FCU has been so helpful with our financial needs over the years - from mortgage, home equity, personal, and auto loans. We have been very thankful for their expert advice, professionalism and friendly service!

—Janet R.

"TCT has helped with many family occasions, such as car loans, home equity, and now my son's college loan. My family has always had good experiences at the Cambridge office and find the employees very helpful."

—Tim B.

"I'm thankful for the opportunity to save money on my auto refinance loan."

—Linda B.

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Quick Links

TruStage Insurance Discount - Learn More

Have Questions?

If you have additional questions, call us at 1-800-721-8288 or visit a TCT branch to meet with a Member Service Specialist.

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