Auto Loans

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, City Auto Sales, 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

• 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

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.

Call our Member Solutions Department at 423-643-3550 to let them know. We recommend you pay what you can today.  You will be delinquent the additional amount, but you have 10 days before a late fee is incurred, and 30 days before it affects your credit report.

Your credit report is key for so many things, from financing major purchases to applying for a job. Regularly checking your credit report also helps you prevent identity theft.

Did you know that accessing your credit report is free to all members? Just log in to YOUR$ and look for the SavvyMoney credit score tool.

If you are listed as entitled to legal protections under the Servicemembers Civil Relief Act (SCRA), please go to www.militaryonesource.mil/legal or call 1-800-342-9647 for more information.

Give yourself one less bill to worry about. With our convenient loan payment transfer, your TVFCU loan is automatically paid on time — every time! Set up automatic payments inside YOUR$. You can make payments from a TVFCU account, or an account with another credit union or bank.

• Avoid late-payment penalties
• Simplify your monthly budget
• Little or no cost to you
• Safe and secure

Tennessee Valley Federal Credit Union understands that finances can be a bit tight from time to time. That’s why we offer Skip-A-Pay. Qualified members can skip one loan payment per eligible loan for a fee of $50 per loan. While interest will continue to accrue during the skip, the skipped payment is added to the end of the loan term — giving you a little reprieve from your loan payment.

As a courtesy to our members, TVFCU offers Skip-A-Pay twice a year. Here’s more information about Skip-A-Pay.

Conditions

• Loan(s) must not be more than 30 days past due and must have received six consecutive monthly payments since the last extension or origination. The six payments must be the equivalent of six months of payments without any missed payments during the six months. If paying weekly or biweekly, the member must have made six months of payments, not six payments.
• All credit union accounts must be in satisfactory status (no overdrawn accounts or loans over 30 days past due).
• Real estate loans, home equity loans, POP/BuyLine of credit loans, credit cards, share secured loans, share certificate secured loans and commercial/business loans are not eligible..
• A $50 fee applies to each Skip-A-Pay request per loan.

1. Interest will continue to accrue at the interest rate provided in your original loan agreement, during and after this time.
2. Deferring your payment will result in your having to pay more interest than if you made your payment as originally scheduled.
3. The payment deferral will extend the terms of your loan(s), and you will have to make extra payment(s) through that new term date.
4. You will resume your payments the following month.
5. A nonrefundable fee of $50 will be charged for this service at the time the request is submitted. Please note that this is nonrefundable.
6. Skipping a payment and late payment fees may reduce the amount of a Guaranteed Asset Protection (GAP) claim. Please refer to your GAP Policy for complete information. If you elected GAP or credit, life and/or disability coverage, the coverage will not be extended beyond the original maturity date.

For answers to common questions about Skip-A-Pay, including eligibility requirements, view our FAQ page. If you would like additional information, please call 423-634-3600.

You can request a Skip-A-Pay anytime day or night inside YOUR$ Digital Banking.

If you do not qualify for a skip, but are having a difficult time making payments, please fill out this form to request further payment assistance.

Ways to Pay Your TVFCU Vehicle or Personal Loan

Online in YOUR$ Digital Banking

• Transfer from a TVFCU account
• Transfer from an external bank/credit union (go to Transfers → Add an Account)
• Pay by debit card ($4.95 convenience fee)
• Set up AutoPay for automatic monthly payments (no ongoing fee after initial setup)

Pay by debit card at TVFCUPay ($4.95 convenience fee). You can also set up AutoPay for monthly payments with no ongoing fee after initial setup.

By Mail

Tennessee Valley Federal Credit Union
Loan Servicing
P.O. Box 23967
Chattanooga, TN 37422

Include your loan account number (found in YOUR$ or available by phone/video chat after identity verification). You may use your MICR Account Number or Member Number + suffix.

In Person

Pay by cash, check, or transfer at any TVFCU branch or drive‑thru.

Video Chat

Use LiveStream through the orange “Video Chat” button on the right of this webpage, or in the app to pay by transfer or by debit card (fee applies).

By Phone

Call LIVELine at 423-634-4600 to pay by transfer or by debit card (fee applies).

Notes: Debit card payments include a $4.95 convenience fee. If you set up AutoPay using a debit card, the convenience fee is charged only once during setup; subsequent monthly payments run automatically with no fee.