New & Used Auto Loans
Drive your dream with flexible auto loans.
Life keeps you busy; we are here to help!
Whether you’re headed to the Sequoias for the weekend, or making that daily commute to work, Tucoemas is your local partner to help you get where you need to go.
Looking for a new or used vehicle?
Our auto loans make it simple, affordable, and tailored to you.
Finance up to 150% of the MSRP or Kelley Blue Book value, including tax, license, guaranteed asset protection, and mechanical breakdown insurance.
Flexible terms up to
- 60 months available when financing up to $15,000
- 72 months available when financing over $15,000
- 84 months available when financing over $20,000
- 96 months available when financing over $30,000 (and available to qualifying borrowers and collateral)
*Loans not available for out-of-state purchases or salvaged titles, heavy-duty vehicles of more than one ton, or any commercial vehicles.
Today’s Auto Rates
as low as 6.50% APR*
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Term |
APR* (as low as**) |
|---|---|
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*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on several individual factors, including, but not limited to, credit history and creditworthiness. **As low as rate reflected above, include a maximum discount of .50% for: Refinance: Refinancing existing TUCOEMAS loans, to lower the rate, requires a minimum of $1,000 increase in loan proceeds or a purchase of GAP or MBP; otherwise, a fee of $150.00 will be assessed. Late Charges: The late charge will be calculated as follows: 5% of the monthly minimum payment with a minimum of $15 and not to exceed $100 on payments made 10 days or more after the due date. |
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Term 0-36 Months |
APR* (as low as**) 6.50% |
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Term 37-48 Months |
APR* (as low as**) 6.50% |
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Term 49-60 Months |
APR* (as low as**) 6.75% |
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Term 61-72 Months |
APR* (as low as**) 7.00% |
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Term 73-84 Months |
APR* (as low as**) 7.50% |
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Term 85-96 Months |
APR* (as low as**) 9.25% |
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Term |
APR* (as low as**) |
|---|---|
|
*APR=Annual Percentage Rate. All rates are fixed unless otherwise stated. The actual rate will be disclosed before you become obligated. Rates and programs are subject to change without notice. Rates and terms are based on several individual factors, including, but not limited to, credit history and creditworthiness. **As low as rate reflected above, include a maximum discount of .50% for: Refinance: Refinancing existing TUCOEMAS loans, to lower the rate, requires a minimum of $1,000 increase in loan proceeds or a purchase of GAP or MBP; otherwise, a fee of $150.00 will be assessed. Late Charges: The late charge will be calculated as follows: 5% of the monthly minimum payment with a minimum of $15 and not to exceed $100 on payments made 10 days or more after the due date. |
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Term 0-36 Months |
APR* (as low as**) 6.74% |
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Term 37-48 Months |
APR* (as low as**) 6.74% |
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Term 49-60 Months |
APR* (as low as**) 6.99% |
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Term 61-72 Months |
APR* (as low as**) 7.24% |
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Term 73-84 Months |
APR* (as low as**) 7.74% |
First-time Buyer Program
Congratulations on your first car! We’ll make the process simple.
Join Us!
Disclosures
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1)*APR = Annual Percentage Rate. Loans are subject to credit approval. The rate you pay will be based on your credit history and approximate term. If your risk profile puts you in a higher risk category, your rate may be higher—payment and term are affected by the amount financed. Certain terms may not be available for all risk categories.
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2) *Member Discount: A 0.25% rate reduction is available when you sign up for automatic payment. A .25% rate reduction for existing membership over 5 years. A 0.25% rate reduction is available to qualifying members for new TFCU checking accounts with reoccurring direct deposits. A 0.50% rate reduction is available for Electric Vehicle Automobiles. The max discount per loan is .50%. Discounts do not apply to credit cards, signatures, signature home improvements, shares, or certificate-secured loans. Contact CU for further details.