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 66 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 21st , 2021

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. 1.75%  2.25% 3.25% 6.25% 8.25% 11.25% 
36 Mo. .  1.75% 2.25%  3.25% 6.25% 8.25% 11.25% 
48 Mo. 1.75% 2.25%  3.25% 6.25% 8.25% 11.25% 
60 Mo.  1.75% 2.25%  3.25% 6.25% 8.25% 11.25% 
66 Mo.  1.75% 2.25%  3.25% 6.25% 8.25% 11.25% 
72 Mo.  2.40% 2.90%  3.90% 6.90% 8.90% 11.90% 

Apply Now

Refinance Existing Austin Telco Vehicle Loan²

Credit Score >730 729-680 679-640 639-600 599-550 <549
Up to
60 Mo.
2.49% 2.99% 3.99% 6.99% 8.99% 11.99%
66 Mo. 2.69% 3.19% 4.19% 7.19% 9.19% 12.19% 
72 Mo.  3.15% 3.65% 4.65% 7.65% 9.65% 12.65%

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 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 1.75% APR will have a monthly payment of $318.

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 2.49% APR will have a monthly payment of $355.

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


Preferred Auto Dealer List

Car, trucks and SUVs are major investments. So we know that you want to buy from people you trust. Our Preferred Auto Dealer List contains the names of high-quality dealerships that provide no-hassle pricing to all our members.

View Our Preferred Dealer List


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

Austin Telco Car Buying Service - Start Shopping Right Here

You can spend hours on end driving all over Texas scouting for the right vehicle. Or you can stay right where you are, get the pricing information you need and enjoy a better buying experience.

At Austin Telco, we've partnered with industry leader TRUECar to provide valuable resources for your next big purchase. Through the Austin Telco FCU Car Buying Service, you have unlimited access to free price reports and can head to the dealer with a Guaranteed Savings Certificate that locks in your great price.

Advantages of the Austin Telco FCU Car Buying Service

  • Buy with confidence
    See what others paid for the car you want - save time and money when you purchase your new vehicle.
  • TrueCar Price Reports
    In-depth, no-cost, no-obligation, Guaranteed Savings Certificates give you the information you need to make a smart car buying decision.

  • Certified Dealer Network
    Lock in your savings by working with carefully chosen local Certified Dealers. These dealers are committed to providing you with the most hassle-free car buying experience and there's never any obligation to buy.

  • Low Interest Rate
    Take advantage of our low interest rates! New and Used vehicle loan rates as low as 1.75% APR1 up to 66 months.
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