Auto & Motorcycle 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.
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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
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.
If you're delinquent in your loan payments — or expect to be — the best thing to do is to contact us right away.
While it can be stressful and overwhelming to contact your lender(s), early communication puts you in a positive light. Foreclosure or repossession is very costly for a lender, and we would generally prefer to help you get back on track to keep your home or vehicle. When contacting your lender(s) be honest. Describe your situation and know how much money you have available to make payments – do not agree to a payment that is not feasible with your current budget.
As a member of TCT, you can take advantage of the GreenPath Financial Wellness program, a free financial education, and counseling program.
No. You do not have to be a member to apply for a loan. However, you must become a member to close on a loan.