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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)

2023

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00* to 17.75%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2022

Loan Term

1 - 84 months

Interest Rates (APR*)

5.05%* to 17.80%

Model Year

2021

Loan Term

1 - 84 months

Interest Rates (APR*)

5.15%* to 17.90%

Model Year

2020

Loan Term

1 - 78 months

Interest Rates (APR*)

5.25%* to 17.95%

Model Year

2019

Loan Term

1 - 72 months 

Interest Rates (APR*)

5.35%* to 17.99%

Model Year

2018

Loan Term

1 - 66 months 

Interest Rates (APR*)

5.45%* to 17.99%

Model Year

2017

Loan Term

1 - 60 months 

Interest Rates (APR*)

5.55%* to 17.99%

Model Year

2016

Loan Term

1 - 54 months 

Interest Rates (APR*)

5.65%* to 17.99%

Model Year

2015

Loan Term

1 - 48 months

Interest Rates (APR*)

5.75%* to 17.99%

Model Year

2014

Loan Term

1 - 42 months

Interest Rates (APR*)

5.85%* to 17.99%

Model Year

2013

Loan Term

1- 36 months

Interest Rates (APR*)

5.95%* to 17.99%

Model Year

2004 - 2012

Loan Term

1-36 months

Interest Rates (APR*)

7.70%* to 17.99%

Apply for a vehicle loan now

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 5.75% for 2023 autos.  For 2022 models, the lowest rate is 5.80%; 2021 models – 5.90%; 2020 models – 6.00%; 2019 models – 6.10% 2018 models – 6.20%; 2017 models – 6.30%; 2016 models – 6.40%, 2015 models – 6.50%; 2014 models – 6.60%; 2013 models – 6.70%. 2004-2012 models – 8.45%.  All rates stated as APRs.