Drive on, west Texan.
Drive on.
Flexible terms and rates to meet your needs
For 77 years, Abilene Teachers Federal Credit Union has proudly helped West Texans finance their cars, pickups and SUVs the right way. When you work with us, you’ll sit down with an experienced loan officer in a relaxed atmosphere to get exactly what you need; and none of the extras you don’t – like pinstriping, VIN etching, nitrogen-filled tires, etc..
We’ll help you build the best loan package for your particular circumstances. When the math is complete and you’ve made your decision, ask for an AutoCheck to use at the dealership.
See today’s rates
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2026 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.15%* to 15.40% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2025 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.15%* to 18.00% |
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.15%* to 18.00% |
|
Model Year 2023 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.40%* to 18.00% |
|
Model Year 2022 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.50%* to 18.00% |
|
Model Year 2021 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.60%* to 18.00% |
|
Model Year 2020 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.70%* to 18.00% |
|
Model Year 2019 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.80%* to 18.00% |
|
Model Year 2018 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 4.90%* to 18.00% |
|
Model Year 2017 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.00%* to 18.00% |
|
Model Year 2016 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 5.10%* to 18.00% |
|
Model Year 2015 - 2007 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.85%* to 18.00% |
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 4.90% for 2026 -2024 autos. 2023 models – 5.15%; 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%; 2007-2015 models – 7.60%.
All rates stated as APRs – Annual Percentage Rates.