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Auto & Light Truck Loans

Drive on, west Texan. Drive on.

Flexible terms and rates to meet your needs


Avoid dealer pressure. Work with an ATFCU loan officer in a relaxed atmosphere to build the best loan package for your situation.

See today’s rates

New Auto Loans - Cars and Light Trucks

Model Year(s)

Loan Term

Interest Rates (APR*)

Model Year(s)

2022 & 2023

Loan Term

1 - 84 months

Interest Rates (APR*)

3.25* to 16.00%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2021

Loan Term

1 - 84 months

Interest Rates (APR*)

3.30%* to 16.05%

Model Year

2020

Loan Term

1 - 84 months

Interest Rates (APR*)

3.40%* to 16.40%

Model Year

2019

Loan Term

1 - 78 months

Interest Rates (APR*)

3.50%* to 16.50%

Model Year

2018

Loan Term

1 - 72 months 

Interest Rates (APR*)

3.60%* to 16.60%

Model Year

2017

Loan Term

1 - 66 months 

Interest Rates (APR*)

3.70%* to 16.70%

Model Year

2016

Loan Term

1 - 60 months 

Interest Rates (APR*)

3.80%* to 16.80%

Model Year

2015

Loan Term

1 - 54 months 

Interest Rates (APR*)

3.90%* to 16.90%

Model Year

2014

Loan Term

1 - 48 months

Interest Rates (APR*)

4.00%* to 17.00%

Model Year

2013

Loan Term

1 - 42 months

Interest Rates (APR*)

4.10%* to 17.10%

Model Year

2012

Loan Term

1- 36 months

Interest Rates (APR*)

4.20%* to 16.95%

Model Year

2003 - 2011

Loan Term

1-36 months

Interest Rates (APR*)

6.25%* to 17.95%

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Approve your own skipped payments


Develop a budget. Pay your bills. All is well and then life throws you a financial curveball. Our Skip-A-Payment program can help you deal with unexpected expenses.
Learn more about Skip-A-Payment

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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.

Rest easier knowing that you and your vehicle are protected

Apply today - be a step closer to your new ride

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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 interest rate discounts.  The lowest available base rate with no discounts is 4.00% for 2022 & 2023 autos.  For 2021 models, the lowest rate is 4.05%; 2020 models – 4.15%; 2019 models – 4.25%; 2018 models – 4.35%; 2017 models – 4.45%; 2016 models – 4.55%; 2015 models – 4.65%, 2014 models – 4.75%; 2013 models – 4.85%; 2012 models – 4.95%.  All rates stated as APRs.