Five Star Rating For Our Financial Strength And Superior Service
Auto Loan Banner

Auto Loan

TFCU makes borrowing easy. Loan pre-approval, payroll deduction, phone-a-loan service, online applications and competitive interest rates make TFCU the place to finance all your vehicle needs.

New Auto Loans feature:

  • Repayment terms up to 96 months
  • Up to 60 months, minimum loan $5,000
  • For 61 to 72 month term, minimum loan is $10,000
  • For 73 to 84 month term, minimum loan is $20,000
  • For 85 to 96 month term, minimum loan is $30,000
  • To qualify as new, vehicle must be current model year or 1 prior model year, untitled (no previous owner), with less than 5,000 miles. Applies to purchases from new car dealers only.
  • The maximum financing available will be determined by the credit score of the applicant.
  • The purchase price may not exceed MSRP/NADA Retail plus sales tax and extended warranty.
  • Extended warranty purchase available
  • Low payment "balloon" financing available - up to 60 months
  • Vehicles with commercial plates cannot be financed as a Consumer New Auto Loan.
  • TFCU does not finance new autos purchased from dealers located outside of the 50 United States.
  • TFCU does not finance auto loans with rebuilt or salvaged titles.
  • TFCU does not finance vehicles purchased at auction or from wholesale dealers as a Consumer New Auto Loan.

Apply! (Fixed Rate) >

Used Auto Loans feature:

  • Repayment terms up to 84 months
  • Up to 60 month term, minimum loan is $5,000, maximum vehicle age is 7 model years (including current model year)
  • Up to 61 to 72 month term, minimum loan is $10,000, maximum vehicle age is 4 model years (including current model year)
  • Up to 73 to 84 month term, minimum loan is $20,000, maximum vehicle age is 4 model years (including current model year)
  • Low payment "balloon" financing available - up to 60 months
  • Vehicles with commercial plates cannot be financed as a Consumer Used Auto Loan.
  • TFCU does not finance used autos purchased from dealers located outside of the 50 United States.
  • TFCU does not finance auto loans with rebuilt or salvaged titles.
  • TFCU does not finance vehicles purchased at auction or from wholesale dealers as a Consumer Used Auto Loan.

Apply! (Fixed Rate) >

New and Used Auto Refinances

  • Must have a minimum of 24 months remaining on the original term.
  • Cannot exceed existing term of loan being refinanced
  • New and Used auto rates apply, depending on review of title and original purchase agreement / loan agreement.
  • To qualify as a new Auto refinance, the vehicle must have been purchased as new, and the refinence must be completed within 12 months of the original purchase date.
  • Not eligible for sale or promotional rates
  • Vehicles with commercial plates cannot be refinanced as a Consumer Auto Loan.
  • Vehicles with rebuilt or salvaged titles are not able to be refinanced as a Consumer Auto Loan..

For more information, visit any of our conveniently located branches, or call (631) 698-7000, extension 6790.

See also: Lease-Like Auto-Financing.

All rates and terms are subject to change without notice.

Featured Rates

New Auto, TrucksAPR*
up to 60 months2.20%
61-72 months2.54%
73-84 months3.54%
85-96 months4.04%
See All

*APR = Annual Percentage Rate. All rates are subject to change without notice.

61-72 Mo. Minimum Loan $10,000
73-84 Mo. Minimum Loan $20,000
85-96 Mo. Minimum Loan $30,000

Additional Resources

Related Links

Share Branch NCUA Equal Housing Lender