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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)

2022 & 2023

Loan Term

1 - 84 months

Interest Rates (APR*)

1.50%* to 14.75%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2021

Loan Term

1 - 84 months

Interest Rates (APR*)

1.55%* to 14.80%

Model Year

2020

Loan Term

1 - 84 months

Interest Rates (APR*)

1.60%* to 15.05%

Model Year

2019

Loan Term

1 - 78 months

Interest Rates (APR*)

1.65%* to 15.10%

Model Year

2018

Loan Term

1 - 72 months 

Interest Rates (APR*)

1.70%* to 15.20%

Model Year

2017

Loan Term

1 - 66 months 

Interest Rates (APR*)

1.75%* to 15.25%

Model Year

2016

Loan Term

1 - 60 months 

Interest Rates (APR*)

1.80%* to 15.30%

Model Year

2015

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.85%* to 15.35%

Model Year

2014

Loan Term

1 - 48 months

Interest Rates (APR*)

1.90%* to 15.40%

Model Year

2013

Loan Term

1 - 42 months

Interest Rates (APR*)

1.95%* to 15.45%

Model Year

2012

Loan Term

1- 36 months

Interest Rates (APR*)

2.00%* tp 15.25%

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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 2.25% for 2022 & 2023 autos.  For 2021 models, the lowest rate is 2.30%; 2020 models – 2.35%; 2019 models – 2.40%; 2018 models – 2.45%; 2017 models – 2.50%; 2016 models – 2.55%; 2015 models – 2.60%, 2014 models – 2.65%; 2013 models – 2.70%; 2012 models – 2.75%.  All rates stated as APRs.