couple smiling in front of car holding keys

Auto Loans

We go the extra mile to get you on the road

Thinking of buying a new or used vehicle? Make Austin Telco the first stop along the way. Our full-service approach includes car, truck and SUV pricing information. Our no-hassle application process fast-tracks your financing. Best of all, driver-friendly rates and flexible repayment plans are standard equipment on every auto loan.

  • Low, fixed-rate financing for new and used vehicles
  • Loan terms of up to 78 months keep monthly payments under control
  • Access to dealers who are part of our no-hassle network
  • New and used car vehicle pricing information
  • Protect your investment with our low-cost extended warranty program
  • Annual Holiday Skip-a-Pay helps you stretch your budget during the holiday season
  • Refinancing options can help cut your monthly payments and reduce your interest charges

Effective October 26th, 2022

New, Used, and Refinance Vehicles¹

Loan Type
Up to 60 Months
as low as
61 - 72 Months
as low as
73 - 78 Months
as low as
New, Used, and Refinance 4.49% 4.69% 5.69%

Apply Now

Whether you're looking to purchase or refinance, call our loan department at 512.302.5555, ext. 7194 or email loans@atfcu.org.

¹Annual Percentage Rate. These rates are applicable for the purchase of a new, used, or refinance vehicle. Rates and terms subject to change without notice. New auto loan of $20,000 for 60 months at 4.49% APR will have a monthly payment of $373.

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


Interested in acquiring even more information and insights? Here are some additional car-buying resources:


Update My Insurance

Please recall that as part of your loan obligation you are required to maintain physical damage insurance for the full term of your loan. If you received a letter requesting a current copy of your insurance, please visit the Insurance Verification Online Customer Service Center.

In order to update your insurance, please have the following information available:

  • Policy Holder Name
  • Policy Number
  • Effective Date
  • Agent's Phone Number
  • Reference Number

Welcome to Austin Telco FCU AutoSMART!

The Key to Finding Your Next Car

If it’s time to buy your next vehicle, you might have some mixed feelings. You’re excited to find the car you really want, but you’re not looking forward to the hard work of car shopping.

We’ve got you covered. Designed just for our credit union members, AutoSMART is our powerful online car shopping website that lets you search through a variety of cars from any mobile device, anywhere, at any time.

With AutoSMART, you’ve got a powerful tool at your fingertips:

  • You can filter your search using just the specifications you want or you can get more specific and build the exact car you’d like to drive.
  • Once you find the car you want, use our VIN-level price analysis to find out exactly what it’s worth, and how much you could get for your trade-in.
  • Then, to help you pick out a favorite local dealer, read our DealerRater reviews for honest opinions from real buyers.
  • After that, get pre-approved for financing with us right on the site!

When you’re ready for your next car, check out our AutoSMART website and feel confident making a smart buying decision on a vehicle you’ll love. We want you to enjoy your car shopping experience and drive home with a great deal. If it’s out there, we’ll help you find it.