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Auto Loans

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Austin Telco has fixed rate financing for new and used vehicles starting as low as 1.89% APR1 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. 

Home Equity

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24 Locations

Effective October 6th, 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. 1.89% 2.39% 3.39% 6.39% 8.39% 11.39%
36 Mo. 1.89% 2.39% 3.39% 6.39% 8.39% 11.39%
48 Mo. 1.89% 2.39% 3.39% 6.39% 8.39% 11.39%
60 Mo. 1.89% 2.39% 3.39% 6.39% 8.39% 11.39%
66 Mo. 1.89% 2.39% 3.39% 6.39% 8.39% 11.39%
72 Mo. 2.29% 2.79% 3.79% 6.79% 8.79% 11.79%

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

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%

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

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?

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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
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Find a USED Car
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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 loans@atfcu.org 

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. New auto loan of $20,000 for 66 months at 1.89% APR will have a monthly payment of $319.

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. Auto loan of $20,000 for 60 months at 3.25% APR will have a monthly payment of $362.

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.