Get the car finance that’s right for you
We provide a selection of purchase and funding options which will make your car buying simple and hassle-free with competitive interest levels, discounts and versatile repayment plans. Make use of our convenient car finance calculators to compare car finance prices and terms and protect our payment protection to your vehicle and insurance coverage choices.
We also provide funding for leisure automobiles such as for example ATV/UTV, RVs, and boats. Whatever your transportation needs, TDECU can really help allow you to get within the motorist’s chair!
Why choose TDECU for your loan?
New or utilized automotive loans
No money down choices available, discounts for recurring direct deposits of $250 or maybe more, with no hidden costs, expenses or very early payoff charges
2.49% – 48 Mo. – brand New vehicle
No re re payments for ninety days 3
Get car loan somewhere else?Refinance with TDECU! 2
Reduce your monthly payment. Discounts for recurring direct build up of $250 or higher, with no concealed costs, expenses or very early payoff charges
2.49% – 48 Mo. – New car
No payments for 3 months 3
Motorcycle, motorboat and leisure car loans
Looking to purchase a bike, motorboat, RV, ATV/UTV or, to refinance that loan held elsewhere 2 we now have financing options for people, too!
4.49% – 48 Mo. – New motorcycle5.25% – 48 Mo. – New boat5.25% – 48 Mo. – brand New leisure automobile
No re payments for 3 months 3
New or utilized automotive loans
Have your car loan somewhere else?Refinance with TDECU! 2
Motorcycle, leisure and boat automobile loans
No cash down choices available, discounts for recurring direct deposits of $250 or maybe more, with no concealed fees, costs or very early payoff penalties
Decrease your payment. Discounts for recurring direct build up of $250 or maybe more, with no concealed charges, expenses or payoff that is early
Thinking of buying a bike, ship, RV, ATV/UTV or, to refinance that loan held somewhere else 2 we now have funding options for all, too!
2.49% – 48 Mo. – New car
2.49% – 48 Mo. – brand New car
4.49% – 48 Mo. – brand brand New motorcycle5.25% – 48 Mo. – New boat5.25% – 48 Mo. – brand New leisure automobile
No re payments for ninety days 3
No re re payments for ninety days 3
No re payments for ninety days 3
Approaches to shop for the car
Get pre-approved
Whenever you are pre-approved for a TDECU car loan, vehicle dealers understand you’re a significant customer and you will be willing to provide a great deal to have your organization. Plus, you will be confident comprehending that you’ve got low-rate funding given by TDECU.
Finance during the dealership
TDECU financing is available straight at hundreds of dealerships in Texas. As soon as you get the car you would like, inform the dealer you desire your loan from TDECU, then finish the paperwork right in the dealership, as well as in no time at all your loan is authorized.
Shop with Carvana
Carvana provides a showroom that is online of, top-quality vehicles. In some presses it is possible to pick, finance, and pick-up your car or truck from their car machine that is vending have your vehicle sent to you. All having a 7-day money-back guarantee.
Car finance calculators
Our online car loan calculators shall help you calculate your repayments in order to discover the loan that is right you.
choose a calculator from the list below.
Automobile: Simply How Much Will My Car Re Re Payments Be? Automobile: How Much Vehicle Can I Pay For?
Here is what you’ll want to offer us to begin with:
Re Payment insurance and protection coverage
GAP insurance coverage
This protection is supplemental to most of your insurance coverage and will help with having to pay any differences when considering what exactly is owed on your own automobile, therefore the value that is vehicle’s.
Car benefit advantage
Included within the GAP insurance coverage, this advantage pays around $500 per loss (unlimited losses each year) whenever a claim is filed and compensated together with your insurance that is primary provider.
TDECU Insurance Agency, LLC
Our agency works with you to definitely get the most readily useful auto insurance prices that won’t sacrifice protection. We are going to perform some comparison work, finding you the coverage that is best at the most effective value.
Publish proof insurance coverage
Have actually you received a letter when you look at the mail regarding Collateral Protection Insurance (CPI)? Click on the key below to deliver your evidence of insurance online.
Car loan FAQ
How do being pre-approved assistance me once I am searching for a automobile?
You can focus on negotiating the best price when visiting the dealership when you are pre-approved for a vehicle loan. This enables one to go shopping with confidence, once you understand you’ll not end up getting higher level funding. Dealers have a tendency to simply take individuals with pre-approved funding more seriously since it means you are earnestly trying to find a car willing to conduct business.
Could I be approved for a car loan and have now funds available the day that is same?
Most of the time, perhaps you are authorized and funds provided the day that is same. We recognize that sometimes the vehicle-buying procedure is an urgent matter. All of us will reply to your concerns which help expedite the car loan application and approval procedure.
Could I make extra re payments and spend my vehicle loan off sooner than the first term?
Yes. At TDECU, there aren’t any prepayment charges for paying down your vehicle loan sooner than your initial term. In fact, it is a terrific way to save well on interest on the run that is long!
1 APR = percentage Rate that is annual.
2 Existing TDECU loans are ineligible for refinancing.
3 Interest may be charged for your requirements through the initial loan date regarding the unpaid stability through the 90-day repayment deferral duration. Loan-to-Value should be not as much as 125% and a minimum credit rating of 660 is required to be eligible for the deferred payment option.
Advertised 2.49% APR could be the cheapest price offered for the 48-month term and carries a 0.25% discount for recurring direct deposit of $250 or even more. Price dependant on loan term and credit rating. Regards to payment: A $15,000 loan with a 48-month term at 2.49per cent APR equals a $328.64 payment per month. Credit approval required. Minimum automobile refinance mortgage amount is $3,000. Other terms/conditions apply; contact TDECU for details.