A Low–Payment Alternative to Leasing
'TCT's Fall Auto loan Sale is happening now - October 31! Lock-in our lowest rates on Conventional and Payment Saver Auto Loans.
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.
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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
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. | ||
| 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. 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 | ||
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.
Payment Saver Auto Loan Questions
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