family playing in car
Pre-Approved Loans for Cars and Light Trucks

Empower yourself. Who needs fast-talking finance managers?

Easiest auto buying ever


Shopping for a vehicle is stressful. Are you getting a good price? Does the loan fit your budget? Do you really need all the add-on features being offered? Will you be approved?

We promise to make it easier. Auto-Check is the answer.

Determine your game plan

  • using smartphone at auto dealer

    Know what you can afford

    Work with an ATFCU loan officer to determine and get approved for the maximum amount you want to spend on your vehicle. After that, we’ll hand you an Auto-Check to use at the dealership.

  • car deal taking place

    Stay in charge at the dealership

    Use your Auto-Check to neutralize the dealer’s home field advantage. Choose the features you’ve previously decided on, write the check and drive away immediately.

  • handing keys to new car

    Drive home happy!

    Way to negotiate, champ! You have the vehicle you wanted at the right price and interest rate. Enjoy the ride

Learn about vehicle costs and options


Research all brands on a single site.

See how AutoSmart works

Invest some time up front; then ride easy

Here are the Auto-Check details

  • Auto-Checks can be used at franchised dealerships within the state of Texas
  • Auto-Checks can be used to buy new and used vehicles
  • An Auto-Check can be used within 60 days of issue
  • You are not required to spend the maximum, nor are you obligated to purchase add-on dealer products
  • Don’t worry if your Auto-Check gets lost, stolen or damaged. Just let us know. We’ll issue a new one and handle the details.

Calculate the bottom line

Auto Loan FAQs

The credit union evaluates two things when deciding to approve a loan:

  • Your history of repayment 
  • The amount of debt you are carrying

The credit report helps us answer those questions.

Please bring at least your last 2 paycheck stubs or another form of income verification.

*Other documentation may be required upon review of the loan application.

10 years old or newer.

See today's rates

New & Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2020 and newer

Loan Term

1-72 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2019

Loan Term

1-66 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2018

Loan Term

1-60 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2016

Loan Term

1 - 48 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2015

Loan Term

1 - 42 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2014 - 2011

Loan Term

1 - 36 months 

Interest Rates (APR*)

1.25%* to 13.00%

Rates

Learn more about Auto-Check


Note to those applying online – watch for the Auto-Check question on the second screen of the application.

Visit with a loan officer in person
Find a Location Near You
Visit with a loan officer by phone

Call (325) 677-2274 or (800) 677-6770 and ask for the Loan Call Center

Can’t wait to get started?
Apply Online

Disclosures

All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.

APR = Annual Percentage Rate
*The rates shown reflect all available discounts. Discount information can be found above. The lowest available base rate with no discounts is 2% for new and used auto loans.