Why should an auto loan process slow you down? TVFCU helps you get behind the wheel fast with our easy and quick auto loan process. Take advantage of our attractive rates and convenient terms to get your wheels rolling today!
Hit the Road with the Right Loan
- Competitive Rates: Our credit union’s auto loan rates are some of the most appealing in the Tennessee Valley area.
- Car Buying Center: Tap into this amazing resource to find the car of your dreams.
- Online Tools: Not sure how much money you need to borrow? Use our handy calculator to figure it out.
- Auto Refinance: Let us help you refinance your current loan to lower your monthly payments.
New & Used Car Loans
You don’t have to be on the market for a brand-new car to take advantage of TVFCU’s great auto loan rates!
Whether you’re looking to obtain a loan for a new ride or one that’s been around the block a few times—we’ve got you covered.
Rates on used car loans may vary based on the year and mileage of the vehicle.
Auto Refinance
An auto refi with TVFCU is as smooth as a well-oiled ride! With our competitive interest rates, you could lower your monthly payments. Plus, you might be able to shorten your loan term, helping you pay off your car faster and save on interest.
Our team stands ready to help you evaluate and refinance your existing loan so you can hit the open road in style with plenty of cash left over for gas!
Car Buying Center
Buying a vehicle is one of the biggest purchases you’ll make in your lifetime. What’s more, a car is a reflection of your personality and lifestyle—so you want to make sure you pick the right one.
Our Car Buying Center is an online tool that helps you search by vehicle make and model, mileage, and price to find that perfect set of wheels.
Preferred Dealers
When you take advantage of our convenient auto financing program, you can get pre-approval and financing before you shop for your car.
Then, you just roll up to one of our Preferred Dealers, pick out the car you like, and drive it off the lot the same day! What’s more convenient than that?
Get Started With Our Quick 3-Step Application
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Many Ways to Apply: Click the orange button below to apply online. Alternatively, you can call us at 423-634-LOAN to get the process started. You can also apply from anywhere using LIVE Stream Video to chat with us directly!
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Provide Your Details: Have your driver’s license, social security number, and proof of address ready for review.
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Get Pre-Approved and Shop with Confidence: Once pre-approved, you can hit the dealership with confidence, making it easier to get behind the wheel fast and start your first adventure!
“The customer service is above all else friendly and courteous. They are fast and always go out of their way to take care of their customers.”
Steven L., Southaven, MS
Credit Union Auto Loan FAQs
Do I have to be a member of Tennessee Valley FCU to get an auto loan through the credit union?
You do not have to be a member of TVFCU to apply, but you do need to be eligible for membership. You qualify for membership with Tennessee Valley Federal Credit Union if you live, work, worship, volunteer, or attend school within our 17-county community. You can learn more about our eligibility requirements here. You will become a member upon receiving your loan, and there is no fee for membership.
Why should I refinance my auto loan?
Through refinancing, you can potentially get a better interest rate or extend your loan term, which would lower your monthly payment. Additionally, refinancing may help you reduce the total amount of interest paid over the life of the loan.
What qualifies a car for a new versus used auto loan rate?
A car is considered new when it meets these criteria:
- It is within the three most recent model years
- It has less than 25,000 miles
Are there insurance requirements when I take out an auto loan from Tennessee Valley FCU?
Yes. You can see our proof of insurance requirements here.
Can I pay off my used car loan early?
Yes. You can pay off both a new car loan and a used car loan early at any time with no prepayment penalty.
Have a Question or Need Assistance?
Additional Resources
- Auto Loan Rates: Our rates are some of the best in the area—so take advantage of them today!
- Auto Loan Calculator: This handy online tool lets you run the numbers on different auto loan options.
- Insurance Proof: You’ll need a declarations page to show proof of insurance for us to offer you a credit union car loan.
- NADA Value: The National Automobile Dealers Association (NADA) provides information on autos to help determine the marketplace value of vehicles for both dealers and consumers.