Empower yourself. Stay Cool Under the Bright Lights.
Easiest auto buying ever
Shopping for a vehicle is stressful. Are you getting a good price? Does the loan fit your budget? Do you really need all the add-on features being offered? Will you be approved?
We promise to make it easier. Auto-Check is the answer.
Develop Your Game Plan
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Know what you can afford
Work with an ATFCU loan officer to determine and get approved for the maximum amount you want to spend on your vehicle. After that, we’ll hand you an Auto Check to use at the dealership.
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Stay in charge at the dealership
Use your Auto Check to neutralize the dealer’s home field advantage. Choose the features you’ve previously decided on, write the check, and take your new vehicle home.
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Drive home happy!
Way to negotiate, champ! You have the vehicle you wanted at the right price and interest rate. Enjoy the ride.
Learn about vehicle costs and options
Plan Ahead And Ride Easy
Here’s How it Works:
Auto Checks can be used at franchised dealerships within the state of Texas.
Auto Checks can be used to buy new and used vehicles.
An Auto Check can be used within 60 days of issue.
You are not required to spend the maximum, nor are you obligated to purchase add-on dealer products.
Don’t worry if your Auto Check gets lost, stolen or damaged. Just let us know. We’ll issue a new one and handle the details.
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.
See today's rates
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2025 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2022 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.50%* to 15.75% |
|
Model Year 2021 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.60%* to 15.85% |
|
Model Year 2020 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.70%* to 15.95% |
|
Model Year 2019 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.80%* to 16.05% |
|
Model Year 2018 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.90%* to 16.15% |
|
Model Year 2017 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year 2016 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.10%* to 16.35% |
|
Model Year 2015 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 5.20%* to 16.45% |
|
Model Year 2006 - 2014 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.95%* to 17.99% |
Learn more about Auto-Check
Note to those applying online – watch for the Auto-Check question on the second screen of the application.
Call (325) 677-2274 or (800) 677-6770 and ask for the Loan Call Center
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.