Refinancing made easy.
At TCT, our mission is to help our members improve their lives through financial services. Whatever an amazing life looks like to you, we’ll help you get there quicker.
Refinancing your loans from another lender can help free up more cash for your short and long-term goals. Take advantage of our loan discounts* and the option of deferring your first payment up to 90 days.**
Applying online is quick and easy and you can sign your documents electronically at your convenience. Our staff is trained to help you find the lending solution that best meets your individual needs.
*Loan Discounts offered: 1.) Automatic Payment Loan Discount: Members who enroll in automatic loan payments from a TCT checking account or payroll deduction receive .25% off our loan rates. 2.) New Member Loan Discount: Members save an additional .25% off our loan rates when they apply within their first 30 days of membership.
**Although first payment may not be due until 90 days from date loan is funded, interest will accrue during this time. 90-day payment deferment is not available with Payment Saver Auto Loans.
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.