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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 particular situation.

See today’s rates

New Auto Loans - Cars and Light Trucks

Model Year(s)

Loan Term

Interest Rates (APR*)

Model Year(s)

2024

Loan Term

1 - 84 months

Interest Rates (APR*)

4.25%* to 15.50%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2023

Loan Term

1 - 84 months

Interest Rates (APR*)

4.25%* to 15.50%

Model Year

2022

Loan Term

1 - 84 months

Interest Rates (APR*)

4.25%* to 15.50%

Model Year

2021

Loan Term

1 - 78 months

Interest Rates (APR*)

4.50%* to 15.75%

Model Year

2020

Loan Term

1 - 72 months 

Interest Rates (APR*)

4.60%* to 15.85%

Model Year

2019

Loan Term

1 - 66 months 

Interest Rates (APR*)

4.70%* to 15.95%

Model Year

2018

Loan Term

1 - 60 months 

Interest Rates (APR*)

4.80%* to 16.05%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

4.90%* to 16.15%

Model Year

2016

Loan Term

1 - 48 months

Interest Rates (APR*)

5.00%* to 16.25%

Model Year

2015

Loan Term

1 - 42 months

Interest Rates (APR*)

5.10%* to 16.35%

Model Year

2014

Loan Term

1 - 36 months

Interest Rates (APR*)

5.20%* to 16.45%

Model Year

2005 - 2013

Loan Term

1 - 36 months

Interest Rates (APR*)

6.95%* 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 without impacting your credit score.
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 5.00% for 2024 and 2023 autos.  For 2022 models, the lowest rate is 5.00%; 2021 models – 5.25%; 2020 models – 5.35%; 2019 models – 5.45% 2018 models – 5.55%; 2017 models – 5.65%; 2016 models – 5.75%, 2015 models – 5.85%; 2014 models – 5.95%; 2005-2013 models – 7.70%.  All rates stated as APRs.