Drive on, west Texan. Drive on.
Flexible terms and rates to meet your needs
It’s possible to avoid dealer pressure. Work with an ATFCU loan officer in a relaxed atmosphere to build the best loan package for your particular situation. We’ll even give you a check to use at the dealership.
See today’s rates
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2025 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2022 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.50%* to 15.75% |
|
Model Year 2021 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.60%* to 15.85% |
|
Model Year 2020 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.70%* to 15.95% |
|
Model Year 2019 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.80%* to 16.05% |
|
Model Year 2018 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.90%* to 16.15% |
|
Model Year 2017 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year 2016 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.10%* to 16.35% |
|
Model Year 2015 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 5.20%* to 16.45% |
|
Model Year 2006 - 2014 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.95%* to 17.99% |
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 without impacting your credit score.
Learn more about Skip-A-Payment
Get informed. Knowledge is power.
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Shop and compare
Research all makes and models on a single page. No need to have 13 windows open at once.
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Find trade in value
Know your current vehicle’s value before you show up at the dealership.
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Get ATFCU financing
100% financing with competitive rates and flexible terms. Apply Now
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.
Rest easier knowing that you and your vehicle are protected
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GAP - Guaranteed Asset Protection
GAP protects the value of your vehicle investment during the early years of your auto, light truck or RV loan.
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Mechanical Breakdown Coverage
Our plan covers expensive repair bills for the full term of your auto or light truck loan. Prices are more budget friendly than similar dealer-offered products.
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Credit Life & Disability
In cases of disability or death, credit insurance may make your loan payments when you are unable.
Apply today - be a step closer to your new ride
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 5.00% for 2025 and 2024 autos. For 2023 models, the lowest rate is 5.00%; 2022 models – 5.25%; 2021 models – 5.35%; 2020 models – 5.45% 2019 models – 5.55%; 2018 models – 5.65%; 2017 models – 5.75%, 2016 models – 5.85%; 2015 models – 5.95%; 2006-2014 models – 7.70%. All rates stated as APRs.