UPCOMING HOLIDAY CLOSURE: TCT Branches will be closed on Saturday, May 25 & Monday, May 27 for Memorial Day.  You can do many banking transactions with DIY Banking.

Go to main content TCT FCU
Online Banking Login

Payment Saver Auto Loans

A Low–Payment Alternative to Leasing

How would you like the low monthly payments of a lease, without all the heavy restrictions and hidden costs? Payment Saver Auto Loans offer monthly payments that are considerably lower than conventional financing - plus all of the flexibility and benefits of vehicle ownership.

 Find a Vehicle blue section goes here 



Payment Saver Auto Loan features:

  • New and used vehicles up to five years old qualify 
  • Flexible loan terms of up to 72 months 
  • Financing Available for up to 110% of vehicle value 
  • Annual mileage options of 7,500, 10,000, 12,000, 15,000 & 18,000 are available
  • No security deposit or acquisition fees
  • No early payoff penalty
  • Since the title is in YOUR name you have more options before and at loan maturity, including the ability to turn your vehicle in and walk away at the end of the loan term. 
  • Enables you to easily upgrade and/or change your vehicle every couple of years
  • Refinance your current vehicle loan from another lender to reduce your monthly payment with a TCT Payment Saver Auto Loan



Ask about a Payment Saver Auto Loan
Completion of this information request form does not constitute a loan application.
* Required Fields
TCT Branch Location of Preference:
Security Code:


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.
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 − May 31, 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


Couple and dog on beach

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. ­


Woman driving

Spring Auto Loan Sale

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



Payment Saver Auto Loan Questions

Go to main navigation


Go to main navigation

EZ Car Finder

Search millions of new, used, and certified pre-owned vehicles near you. Get pre-approved financing before you visit the dealer.


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. 

Contact Us

Go to main navigation