Save Every Month!
Remedy the dealer financing blues
After the excitement wears off, you may realize the interest rate on your new vehicle is higher than you expected. If monthly payments are squeezing your budget, maybe it’s time for an ATFCU refinance.
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Competitive Rates
Our rates are usually the best in the Big Country. Check them out below.
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Flexible Terms
Depending on your vehicle, loan terms of up to 84 months are available on autos & light trucks.
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No sneaky fees
There’s never a loan application fee or a prepayment penalty.
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Skip-a-Payment
Skip up to two payments a year without affecting your credit score.
Collect this information for a fast start
- Current lender information including name, full address and phone number
- Your account number with your current lender
- The current balance of your existing loan. This is often called the “payoff amount”
- Make, model and trim level of the vehicle being refinanced. Example – 2024 Chevy Tahoe LT
- Vehicle Identification Number (VIN) of the vehicle being financed
Elisabeth S., member since 2008Toni B. is the best. I buy a new vehicle at least every 2 years. She has done the financing for me for the last 12 years and NEVER misses a beat! She’s always thorough and believe me, if the deal isn’t in your favor, she’ll let you know!
See Today's rates
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
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Model Year 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
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Model Year 2022 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.50%* to 15.75% |
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Model Year 2021 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.60%* to 15.85% |
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Model Year 2020 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.70%* to 15.95% |
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Model Year 2019 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.80%* to 16.05% |
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Model Year 2018 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.90%* to 16.15% |
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Model Year 2017 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 5.00%* to 16.25% |
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Model Year 2016 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.10%* to 16.35% |
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Model Year 2015 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 5.20%* to 16.45% |
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Model Year 2006 - 2014 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.95%* to 17.99% |
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Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year RV's - New (2025-2024) |
Loan Term 1-84 months |
Interest Rates 7.50%* to 17.99% |
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Model Year RV's - Used (2024-2015) |
Loan Term 1-78 months |
Interest Rates 7.75%* to 17.99% |
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Model Year RV’s over $55,000 - New |
Loan Term 73-120 months |
Interest Rates 8.50%* to 17.99% |
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Model Year Boats - New (2026-2024) |
Loan Term 1-72 months |
Interest Rates 9.75%* to 17.99% |
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Model Year Boats - Used (2024-2015) |
Loan Term 1-72 months |
Interest Rates 10.25%* to 17.99% |
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Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 7.20%* to 17.99% |
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Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 7.20%* to 17.99% |
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. Our policy is much less expensive than those sold by dealers.
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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 in the chart above reflect all available discounts. The lowest available auto rate with no discounts varies by model year. For 2024 and 2023 models it is 5.00%; 2022 models – 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%.
The lowest available RV rate without discounts is 8.00%. For boats is is 10.25%. For motorcycles, ATVs, personal watercraft, cargo trailers and antique autos it is 7.70%.
All rates stated as APRs. APR = Annual Percentage Rate