Auto Loans

brunette in red car holding up keys

Austin Telco has fixed rate financing for new and used vehicles starting as low as 3.15% APR up to 66 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


Button says "Apply Now" and when clicked takes you to the Auto Loans Application page. 

Button that has a picture of a woman painting that reads, "Home equity loans as low as 3.85% apr 5 years fixed. Click here for more info." When clicked it takes you to the Home Equity Loans page.

Button has a picture of a brunette smiling and looking at the camera while writing in a check book. The text says, "Free Checking, no overdraft services, no monthly service charge, no minimum balance required, click here for more info." When you click the button it takes you to the Free Checking page.

New, Used and Refinance Vehicles1

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 3.15% 3.65% 4.65% 6.65% 8.15% 11.15%
66 Mo. 3.15% 3.65% 4.65% 6.65% 8.15% 11.15%
72 Mo. 3.50% 4.00% 5.00% 7.00% 8.50% 11.50%

Need help searching for the right vehicle?

Brunette couple looking at the inside of a car while holding each other.

Austin Telco FCU Car Buying Service powered by  TrueCar

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. 


Find a New Car
Find a NEW Car
*Invalid Zip
Find a Used Car
Find a USED Car
*Invalid Zip


Button says, "Click here to get started" and takes you to the Austin Telco Car Buying Service page.


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:


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 

 1Annual Percentage Rate. All rates are expressed "as low as". Auto loan rate advertised is our lowest rate for the purchase of a new or used vehicle, or the refinance of an existing loan from another lender. Actual rates may vary depending on credit qualifications. Rate 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