Auto Loans

brunette in red car holding up keys

Austin Telco has fixed rate financing for new and used vehicles starting as low as 2.59% APR¹ up to 72 months. If you're looking to buy or refinance, we have flexible terms to fit your budget. Austin Telco also has a reliable extended warranty program.

With ATFCU's Advantage Auto Loan you get:

Low fixed rate financing for new and used vehicles
The opportunity to take advantage of all rebates and discounts offered by the dealer
No-Hassle dealer network
New and used car vehicle pricing information
Reliable Extended Warranty Program
Flexible terms and payments to fit your budget
Annual Holiday Skip-a-Pay

Effective March 10th, 2020

New, Used, and Refinance Vehicles¹

Credit Score	A+ >730	A 729-680	B 679-640	C 639-600	D 599-550	E <549
24 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%
36 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%
48 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%
60 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%
66 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%
72 Mo.	2.59%	3.09%	4.09%	7.09%	9.09%	12.09%

¹Annual Percentage Rate. These rates are applicable for the purchase of a new or used vehicle, or the refinance of an existing vehicle loan from another lender. Rates and terms subject to change without notice.

Refinance Existing Austin Telco Vehicle Loan²

Credit Score	>730	729-680	679-640	639-600	599-550	<549
Up to 60 Mo.	3.25%	3.75%	4.75%	7.75%	9.75%	12.75%
66 Mo.	3.50%	4.00%	5.00%	8.00%	10.00%	13.00%
72 Mo.	3.95%	4.45%	5.45%	8.45%	10.45%	13.45%

²Annual Percentage Rate. These rates are applicable for the refinance (additional term or funds) of an existing vehicle loan at Austin Telco. Rates and terms subject to change without notice.

Need help searching for the right vehicle?

Austin Telco FCU Car Buying Service powered by

Austin Telco provides many resources and services to help with that next big purchase. Through Austin Telco FCU Car Buying Service you have unlimited access to free Price Reports and get a Guaranteed Savings Certificate to lock in your savings at the dealer.

Prefered Auto Dealer List

Our Preferred Auto Dealer List provides a list of quality auto dealers that participate with Austin Telco to provide no-hassle pricing to all members. Bring in your pre-approved certificate from Austin Telco to one of our participating dealer representatives.

Below are some other helpful car buying resource links:

New Car Pricing Information

NADA guides Vehicle Pricing

Auto P.I. Used Car Inspections

Preferred Auto Dealer List

Extended Warranty Program

Whether you're looking for a vehicle now, or already have a vehicle financed elsewhere, call the loan department at 512.302.5555, ext. 7194 or email the loans@atfcu.org

²Annual Percentage Rate. These rates are applicable for the refinance (additional term or funds) of an existing vehicle loan at Austin Telco. Rates and terms subject to change without notice.

New Vehicle - New, never titled vehicles; or new vehicles titled in the past 30 days.
Used Vehicle - Any previously titled vehicle

If you have comments regarding our service, please share them with us at memberfeedback@atfcu.org.