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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.

Learn more about Payment Saver 

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. 

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* 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.

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Completion of this information request form does not constitute a loan application.
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Auto and Motorcycle Loan Rates
Effective Date: Sunday, April 14th, 2024
TermAPR* (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) 5.74% $19.22
6 Year (72 month)** 6.00% $16.58
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% $17.06
** 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. This Spring Sale auto loan special is available for a limited time, must apply March 27, 2024 − April 30, 2024. 
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
TermAPR* (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 a Payment
5 Year (60 month) 6.74% Calculate a Payment
6 Year (72 month)** 7.00% Calculate a Payment
** The 6 Year Term requires a minimum loan amount of $15,000.
MODEL YEARS: 2020 & 2019
3 Year (36 month) 6.74% Calculate a Payment
4 Year (48 month) 7.25% Calculate a Payment
5 Year (60 month) 7.74% Calculate a Payment
*Important Facts 
APR = Annual Percentage Rate, Interest rates are quoted using the rate available, Your individual credit qualifications will determine rate and term.
This Spring Sale auto loan special is available for a limited time, must apply March 27, 2024 − April 30, 2024. 
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

 

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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. ­

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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.

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Spring Auto Loan Sale

Take .25% off TCT's competitive Auto Loan rates for a limited time. 


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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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