Auto Loans
Whether you’re eyeing a brand-new model or a reliable pre-owned vehicle, our auto loans offer competitive rates and flexible terms to suit your needs.
Why Apply for an Auto Loan?
Competitive
Rates
Flexible
Terms
Local Decision-Making
Online Loan Management
Competitive
Rates
Flexible
Terms
Local Decision-Making
Online Loan Management
Why Choose an Auto Loan?
Your Loan. Your Way.
Whether it’s a fresh-off-the-line car or a dependable used vehicle, we finance both with attractive terms.
- For qualified borrowers, finance up to 135% of NADA Retail Value.
- Enjoy terms up to 84 months on New and Used Vehicles under 100,000 miles.
- Finance your vehicle with TVFCU and enjoy no payments for up to 60 days.
Auto Loan Refinancing
Save More. Starting Now.
Ready to spend less on your car loan? Our affordable rates make it easier to shrink your monthly payments and wrap up your loan faster—so you can save more and stress less.
Find Out More
Preferred Dealers
Buy From Dealers We Trust
By securing pre-approval from a preferred dealer before you shop, you can streamline the buying process, making it easier to find and finance your ideal recreational vehicle.
See Dealers
How to Get Started
Ready to Hit the Road?
We make getting your next vehicle is easy. Follow these simple steps to secure financing and hit the road with confidence.
- Many Ways to Apply. Click the button below to apply online. Alternatively, you can call us at 423-634-LOAN to get the process started. You can also apply from anywhere using LIVE Stream Video to chat with us directly!
- Provide Your Details. Have your driver’s license, Social Security number, and proof of address ready for review.
- Get Pre-Approved and Shop With Confidence. Once pre-approved, you can hit the dealership with confidence, making it easier to get behind the wheel fast and start your first adventure!
New Cars & Trucks
| Mileage | Term | Annual Percentage Rate (APR) |
|---|---|---|
| Within 3 most recent model years and less than 25,000 miles1 | 63 months or less | 4.99% to 15.49% |
| Within 3 most recent model years and less than 25,000 miles1 | 64 - 75 months | 5.49% to 15.99% |
| Within 3 most recent model years and less than 25,000 miles (invoice or NADA retail value over $12,500)1 | 76 - 84 months | 6.29% to 11.29% |
| Term | 63 months or less |
|---|---|
| Annual Percentage Rate (APR) | 4.99% to 15.49% |
| Term | 64 - 75 months |
|---|---|
| Annual Percentage Rate (APR) | 5.49% to 15.99% |
| Term | 76 - 84 months |
|---|---|
| Annual Percentage Rate (APR) | 6.29% to 11.29% |
All rates and terms are subject to change without notice. Loan rates and terms will vary depending on the strength of member’s credit, value of collateral financed and term selected. We offer other rates and terms for members with special borrowing needs. Proof of insurance is required with $1,000 deductible standard. 1. For qualified borrowers, the Credit Union can finance up to 135% of MSRP or NADA Retail INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76- 84 months on new vehicles requires invoice or NADA retail value greater than $12,500.00. As a payment example, 63 months at 4.99% APR results in payments of $18.02 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Used Cars & Trucks
| Mileage | Term | Annual Percentage Rate (APR) |
|---|---|---|
| 25,000 - 99,999 miles1 | 63 months or less | 5.99% to 16.49% |
| 25,000 - 99,999 miles1 | 64 to 75 months | 6.49% to 16.99% |
| 25,000 - 99,999 miles1 | 76 to 84 months | 7.29% to 12.29% |
| Greater than 100,000 miles but less than 175,000 miles2 | 63 months or less | 6.99% to 17.49% |
| Greater than 100,000 miles but less than 175,000 miles2 | 64 to 75 months | 7.49% to 17.99% |
| Term | 63 months or less |
|---|---|
| Annual Percentage Rate (APR) | 5.99% to 16.49% |
| Term | 64 to 75 months |
|---|---|
| Annual Percentage Rate (APR) | 6.49% to 16.99% |
| Term | 76 to 84 months |
|---|---|
| Annual Percentage Rate (APR) | 7.29% to 12.29% |
| Term | 63 months or less |
|---|---|
| Annual Percentage Rate (APR) | 6.99% to 17.49% |
| Term | 64 to 75 months |
|---|---|
| Annual Percentage Rate (APR) | 7.49% to 17.99% |
1. For qualified borrowers, the Credit Union can finance up to 135% of NADA Retail Value INCLUDES tax, tag, warranty. In addition GAP Protection may be added. 76-84 months on used vehicles requires invoice or NADA retail value greater than $12,500.00. 2. For qualified borrowers, the Credit Union can finance up to 100% of NADA Retail Value or purchase price, whichever is less PLUS tax, tag, title and GAP. 61-72 months requires NADA retail value greater than $12,500.00 (down payment required at Credit Union discretion). As a payment example, 63 months at 5.99% APR results in payments of $18.54 per $1,000 borrowed. To determine your actual payment, visit our rate calculator.
Frequently Asked Questions
Our preferred dealers in Tennessee are:
- Athens: L & M Motors Inc., Long Automotive of Athens
- Brainerd Road / Lee Highway: BMW of Chattanooga, Capital Toyota, Economy Honda, Lexus of Chattanooga, University Motors
- Cleveland / McDonald: Cleveland Ford, Crown of Cleveland, Don Ledford Chevrolet – Buick – GMC – Cadillac, Inc., Honda Of Cleveland, Mt. View Nissan of Cleveland, Toyota of Cleveland, Vehiclesdirect.com
- Dayton: Dayton Ford, Crown Motors, Inc., Dayton Supercenter
- Dunlap: Dunlap Supercenter
- Downtown Chattanooga: Adventure Cars, LLC, Crown Subaru, Lee Smith, Mtn. View Chevrolet, Mtn. View Ford, Mtn. View Nissan, Northshore Auto Gallery, Scenic City Cars, TradeUp Chattanooga
- Etowah: East Tennessee Auto Outlet
- Hixson: Marshal Mize Ford
- Shallowford Road/International Drive/Chapman Road /Jersey Pike: Acura of Chattanooga, Chattanooga Volvo, Crown of Chattanooga, Nissan of Chattanooga East, Infiniti of Chattanooga, Integrity Cadillac – Buick – GMC, Integrity Chevrolet, Integrity Mazda, Kia of Chattanooga, Land Rover – Jaguar Chattanooga, Long of Chattanooga Mercedes-Benz, Long Hyundai, Mtn. View @153, Prestige Cars, Inc., Village VW – Audi of Chattanooga
- South Pittsburg: Moss Motor Company, Riverside Chevrolet – Buick – GMC, LLC
- Spring City: Bailey Reed Motors
- Sweetwater: Jacky Jones Ford-Lincoln
Our preferred dealers in Georgia are:
- Chatsworth: Chatsworth Ford
- Dalton: Edd Kirby Chevrolet, Ford of Dalton, Mtn. View Honda of Dalton, Mtn. View Nissan of Dalton, North Georgia Toyota – Lincoln – Mercury, Pye Kia of Dalton
- Lafayette: Paul Thigpen Chevrolet – Buick – GMC, Jenkins Chrysler – Dodge – Jeep
- Ringgold: Mtn. View Chrysler – Dodge – Jeep, Mtn. View Hyundai, Walter Jackson Chevrolet, Inc.
- Trenton: Dave’s Auto Sales
- Vidalia: Paul Thigpen Ford-Lincoln, Paul Thigpen Chevrolet GMC
- Waynesboro: Paul Thigpen Ford of Waynesboro
Our preferred dealer in Alabama is Donohoo Chevrolet, LLC.
You don’t have to be a member to apply, but you do need to be eligible for membership. If you live, work, worship, volunteer, or attend school in our 17-county service area, you qualify! You can also apply if you are a member of the Audubon Society. Once your loan is approved, you’ll automatically become a member at no cost.
Refinancing could help you lock in a lower interest rate, reduce your monthly payment, or even shorten your loan term. That means you could pay off your vehicle faster, and save money over time.
Yes, all auto loans require proof of insurance.
Absolutely. Whether it’s a new or used auto loan, you can pay it off early, anytime, with no prepayment penalties.
Calculate Your Car Payment
Buying a car is exciting, and we’re here to help you feel confident. Use our calculator to see what fits your budget before you hit the road.
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