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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 & Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2020 and newer

Loan Term

1-72 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2019

Loan Term

1-66 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2018

Loan Term

1-60 months

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2016

Loan Term

1 - 48 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2015

Loan Term

1 - 42 months 

Interest Rates (APR*)

1.25%* to 13.00%

Model Year

2014 - 2011

Loan Term

1 - 36 months 

Interest Rates (APR*)

1.25%* to 13.00%

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

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

    Learn 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.

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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 discounts. Discount information can be found above. The lowest available base rate with no discounts is 2% for new and used auto loans.