Drive on, west Texan. Drive on.
Flexible terms and rates to meet your needs
It’s possible to avoid dealer pressure. Work with an ATFCU loan officer in a relaxed atmosphere to build the best loan package for your particular situation. We’ll even give you a check 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*) 3.90%* to 15.15% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2025 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 3.90%* to 15.15% |
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 3.90%* to 15.15% |
|
Model Year 2023 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.15%* to 15.40% |
|
Model Year 2022 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2021 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.35%* to 15.60% |
|
Model Year 2020 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.45%* to 15.70% |
|
Model Year 2019 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.55%* to 15.80% |
|
Model Year 2018 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 4.65%* to 15.90% |
|
Model Year 2017 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 4.75%* to 16.00% |
|
Model Year 2016 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 4.85%* to 16.10% |
|
Model Year 2015 - 2007 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.60%* to 17.99% |
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.
-
Shop and compare
Research all makes and models on a single page. No need to have 13 windows open at once.
-
Find trade in value
Know your current vehicle’s value before you show up at the dealership.
-
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
-
GAP - Guaranteed Asset Protection
GAP protects the value of your vehicle investment during the early years of your auto, light truck or RV loan.
-
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.
-
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 4.65% for 2026 -2024 autos. 2023 models – 5.00%; 2022 models – 5.10%; 2021 models – 5.20% 2020 models – 5.30%; 2019 models – 5.40%; 2018 models – 5.50%, 2017 models – 5.60%; 2016 models – ; 20076-2015 models – 7.35%. All rates stated as APRs.