Save on your monthly payment
Remedy those dealer financing blues
After the excitement wears off, you may realize the interest rate is higher than you expected. The monthly payment is squeezing your budget. It’s time to consider an ATFCU refinance.
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Competitive Rates
Our rates are usually the best in the Big Country for most members. Check them out below.
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Flexible Terms
Depending on your vehicle, loan terms of up to 72 months on autos and 120 months on RVs. See them below.
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No sneaky fees
No loan application fee and no prepayment penalty.
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Skip-a-Payment
Skip up to two payments a year without affecting your credit score.
Alyssa J., member since 2019I worked with Brandi C. and she was on top of everything, every step of the way! She even helped me deal with a horrendous car dealership! She was patient and got me in with extra benefits while lowering my rate! If y’all need help with a car loan, I highly suggest Brandi! She will be my go to from now on!
See Today's rates
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Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
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Model Year 2020 and newer |
Loan Term 1-72 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2019 |
Loan Term 1-66 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2018 |
Loan Term 1-60 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2017 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2016 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2015 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year 2014 - 2011 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 1.25%* to 13.00% |
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Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year Boats/RV’s - New or Used |
Loan Term 1-72 months |
Interest Rates 2.2%*-13.75% |
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Model Year RV’s over $50,000 - New |
Loan Term 73-120 months |
Interest Rates 2.2%*-13.75% |
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Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 3.95%* to 15.50% |
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Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 4.25%* to 15.25% |
Gather this info for a quick start
Save time by collecting the following:
- Current lender information including full address and phone number
- Your account number with your current lender
- The current balance of your existing loan; also known as the payoff amount
- Make, model and trim level of the vehicle being refinanced. Example – 2016 Chevy Tahoe LT
- Vehicle Identification Number (VIN) of the vehicle being financed
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.
Calculate the bottom line
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
Covers expensive repair bills for the full term of your auto or light truck loan.
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Credit Life & Disability
In cases of disability or death, credit insurance may make your loan payments when you are unable.
See if ATFCU can save you money
Disclosures
All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.
*The rates shown reflect all available discounts. Discount information can be found above. The lowest available base rate with no discounts is 2% APR for auto & light truck loans and 2.75% APR for RVs and boats.
APR = Annual Percentage Rate