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TDECU Auto Loans

TDECU Auto Loans

Get moving with loans starting at 4.99% APR1 for 48 months with no payments for 90 days2

Need to make your loan payment?

Need to make your loan payment?

If you need to make your monthly payment, our online service options are available 24 hours a day, 7 days a week. You can choose between transferring funds from a TDECU account toward your loan balance or making a payment using an account from another financial institution.

Find the right auto loan for you

At TDECU, our goal is to make your buying process easy and hassle-free. From competitive interest rates, discounts, and flexible payment plans, we have the right auto loan for you. With TDECU, you can take advantage of:

  • Rates starting at 4.99% APR for 48 months, which includes a discount for recurring direct deposit of $250 or more1
  • No payments for 90 days2
  • No money down option available
  • Terms up to 84 months
  • No hidden fees, costs, or early-payoff penalties

Check out our convenient auto loan calculator to compare rates and loan terms before starting your application. We also offer insurance coverage options to make sure you are covered once you hit the road. Whatever your auto loan needs, TDECU can help you get in the driver’s seat!

A TDECU Auto Loan features these benefits:


Payments for 90 Days2





Money Down Option

TDECU Auto Loan Options


New and Pre-Owned Auto Loan

Competitive financing option for new and used cars, vans, SUVs, and trucks.


Minimum APR1

48-84 months

Financing term


Refinance Your Auto Loan

Refinance option for new and used cars, vans, SUVs, and trucks.3


Minimum APR1

48-84 months

Financing term

Are you interested in financing a vehicle other than a car, truck, or van?

TDECU offers financing for motorcycles, boats, RVs, SUVs, and other leisure vehicles.

You choose how to finance your vehicle

Get pre-approved for your loan

Complete your application online, in person, or over the phone to receive your pre-approval before stepping on the lot.

Finance at the dealership

TDECU financing is available through hundreds of dealerships in Texas. Once you find the vehicle you want to finance, just tell the salesperson you would like your loan through TDECU. From there, complete your paperwork right at the dealership!

Here’s the documentation you need to get started

For all vehicle loans

We will need:

  • Your employment, monthly income, and housing information
  • Requested loan amount (should include the purchase price, taxes, title, license, and warranties, minus your down payment)
  • Requested loan term

If you plan to trade in your current vehicle

We will need:

  • Title
  • Current loan information (if applicable)
  • Registration and license information

Already found your new vehicle or looking to refinance with TDECU?

We will also need:

  • Vehicle Identification Number (VIN)
  • Exact mileage
  • Name of the dealership or seller

Auto loan calculators

Our online auto loan calculators will help you estimate pricing and payments so you can find the right loan for you.

Select a calculator from the list below.

Vehicle Information
Loan Information

Loan protection products and insurance coverage

We have you covered.

Guaranteed Asset Protection

Guaranteed Asset Protection

GAP insurance is supplemental to your primary insurance policy and can assist with paying any differences between what is owed on your vehicle, and the vehicle’s value.

Auto Advantage

Auto Advantage

Included as part of your GAP insurance policy, this benefit pays up to $500 per loss (unlimited losses per year) when a claim is filed and paid with your primary insurance carrier.

Auto Insurance

Auto Insurance

Our agents at TDECU Insurance Agency, LLC4 will work with you to find the best auto insurance rates without sacrificing coverage, giving you the best value for your dollar.

TDECU Auto Loan Frequently Asked Questions

How can being pre-approved help me when shopping for a vehicle?

When you are pre-approved or pre-qualified for an auto loan, you can focus on negotiating the best price when visiting the dealership. This allows you to shop with confidence, knowing you won't end up with high-rate financing.

Can I be approved for an auto loan and have funds available the next day?

In many cases, you may be approved and receive your funds the same day. We understand that sometimes the vehicle-buying process is an urgent matter. Our team will answer your questions and help expedite the loan application and approval process.

Can I make additional payments and pay off my auto loan earlier than the original term?

Yes. At TDECU, there are no prepayment penalties for paying off your auto loan earlier than your original term. In fact, it is a great way to save on interest over the long run! Use our loan payoff calculator to see how long it will take to pay off your loan.

What financing partners does TDECU have?

TDECU financing is available through hundreds of dealerships in Texas. View our current dealership partners here.

Does TDECU offer financing for other vehicle types, such as RVs, boats, and motorcycles?

Yes! We also offer financing for leisure vehicles, such as ATVs/UTVs, RVs, boats, and motorcycles. For the latest rates and more information, click here.

I received a letter in the mail regarding Collateral Protection Insurance (CPI). How do I submit my proof of auto insurance?

You can submit your proof of insurance online. Just visit the following website to upload your auto insurance documentation.

I paid off my auto loan. When should I expect to receive my title?

Congratulations on paying off your loan! TDECU will release the paper title or e-title 10 business days after your loan is paid in full. Please note that e-titles are printed by the state of Texas and can take up to an additional 10 business days to mail after TDECU releases the title.

Ready to start the application process?

Start online, in person, or over the phone.

APR = Annual Percentage Rate. Rates, terms, and conditions subject to change. Credit approval required. Advertised 4.99% APR is the lowest rate offered for a 48-month term and includes a 0.25% discount for recurring direct deposit with an aggregate total of $250 or more per month to a TDECU savings or checking account. Rate determined by loan term and credit score. Terms of repayment: A $15,000 loan with a 48-month term at 4.99% APR equals a $345.37 monthly payment. Credit approval required. Minimum auto refinance loan amount is $3,000. Not available for commercial vehicle classifications. Other terms/conditions apply; contact TDECU for details.

Interest will be charged to your account from the original loan date on the unpaid balance during the 90-day payment deferral period. Loan-to-Value must be less than 125% and a minimum credit score of 660 is required to qualify for the deferred payment option.

Existing TDECU loans are ineligible for refinancing.

Insurance products are not deposits, not NCUA insured, and not guaranteed by TDECU Insurance Agency, LLC or Texas Dow Employees Credit Union (TDECU).

Rates, terms, and offer subject to change without notice. Credit approval required. Minimum loan amount for auto purchase/refinance is $3,000; minimum loan amount for boats, RVs, and leisure vehicles is $5,000. Not available for commercial vehicle classifications. Other terms/conditions apply; contact TDECU for details.

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