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Vehicle Loans
Auto Loans
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.
Hit the gas on an auto loan!
Auto financing built for you! Whether you’re cruising down the MoPac Expressway, hitting I-35 for your daily commute, or paving your own path, do it in style with a car that fits your budget.
Buy a new or used vehicle and enjoy:
- Low, fixed rates for new & used vehicles
- Access to our no-hassle dealer network
- Loan terms up to 84 months
- Low-cost extended warranty program
Refinance Your Current Auto Loan
Stay behind the wheel and put cash in your pocket when you refinance your existing auto loan with us! Cruise through the Heart of Texas with a smile and enjoy:
Auto Loan Features:
- Low rates1
- Flexible repayment terms up to 84 months
- Hassle-free online application
- Refinancing your vehicle with Austin Telco can reduce your monthly payments and reduce your interest rate!
Shop for Your Next Vehicle
Find the right vehicle for your budget with AutoSMART. ATFCU members can browse new and used vehicles, compare options, and connect with participating dealerships, all in one convenient place.
Useful Links
Auto Loan Rates
Rates
Rates effective as of current date. Rates subject to change at any time. Contact Us to verify current rates.
Loan Type
Term
APR* as low as
Account Type
Tier
Dividend
APY*
New/Used Auto Loans
Tier
12 Months - 84 Months
Dividend
5.04%-6.24%
APY*
New/Used Auto Loans
Tier
12 Months - 84 Months
APY*
5.04%-6.24%
Auto Loan FAQs
FAQs
Have questions? We have answers!
Get answers to frequently asked questions about Austin Telco accounts and services.
How do I apply for an auto loan?
Can I make loan payments online?
How does auto loan interest work?
Can I refinance my auto loan?
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Contact us
Wish to speak with a team member? Get in touch!
We’d love to hear from you! Remember, NEVER submit personal financial information through our contact form.
Disclosures
*APR = Annual Percentage Rate.
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 66 months at 5.29% APR will have a monthly payment of $350.
New Vehicle – New, never titled vehicles; or new vehicles titled in the past 30 days.
Used Vehicle – Any previously titled vehicle.
Ready to transform the way you bank? Join today.
From Georgetown to San Marcos, and everywhere in between, we’re staying Telco True. Start building a True Financial Future with us today.
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Routing Number:
#314977175
NMLS
#422857
© 2026 Austin Telco Federal Credit Union
Created by The PodPreferences