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Auto Loans

 » Auto Loans Driver’s Advantage

Get a Great Auto Loan from TTCU.

Customize your auto loan to suit your needs, including:

- Select a specific term or payment amount 
- Defer your first payment up to 90 days*
- Opt for our Payment Protection coverage
- Include our Route 66 Extended Warranty

Speak with any of our loan officers for additional details. You can apply at a branch or by phone at 800-622-2535 or click one of the boxes below to apply online.


Already a Member? Sign on to Online Banking and, once there, look for the "Apply for a Loan" tab (see image below) - then select your loan type (Car Loan for Webloan) from the drop-down menu and click APPLY.

Click one of the boxes below to get started in applying online:



*A 90-day deferral of the first payment is an option available on all auto loans. Deferring a payment will delay the payoff of your loan and result in additional finance charges if you only make minimum payments. The 90-day deferral program is subject to change at any time. Rate and terms are based on evaluation of applicant’s creditworthiness, so your rate may differ. Not all applicants will qualify for the lowest rate. Other restrictions may apply. Membership with The Tennessee Credit Union is required to obtain a loan.

Auto Loan Refinancing

We finance both new and used autos, trucks, boats, and recreational vehicles. Interest is charged on a declining balance for all loans from The Tennessee Credit Union, and there are never pre-payment penalties. You can even earn a preferred rate of interest by signing up for payroll deduction or automatic payments.  To apply now, click on a button above.    Loan Payment Calculator

Route 66 Extended Warranty Program

The Route 66 Extended Warranty provides the most comprehensive coverage you will find and provides coverage for virtually any make and model of automobile, so you are able to enjoy your new purchase and have peace of mind knowing you are protected from mechanical breakdown worries.  Get Details Here

Payment Protection Program

With our Payment Protection Program, you can ensure your family will not have the financial burden of continuing to make loan payments if, due to injury or death, you are unable to do so.  None of us can predict the future or the unexpected, but we can plan for it.  Get Details Here

First Time Buyer Program

Buying a new vehicle is a thrill - especially your first time. But financing your first vehicle can be frustrating if you do not have any previous credit history. We can help!

Program Details:

  • Loan amounts up to $15,000
  • Up to 100% NADA Retail value
  • Flexible terms
  • Minimum 10% cash down payment

How to Qualify:

    • Proof of income required. Temporary or seasonal income will not be accepted.
    • No derogatory information on credit file.
    • No previous car loans.
    • Must be a member for 90 days.
    • 2 references/contacts.
    • No additional exceptions allowed.

    Call or visit your local branch for more information on this program.  All rates and terms subject to change.

    Carvana Used Car Sales

    Carvana's goal is to revolutionize the car buying industry and make the process of buying a car as easy, stress free, and transparent as possible.

    Driver’s Advantage

    Check out our Driver’s Advantage® Program where you can get Credit Union financing right at the Dealership!




    TrueCar Member Showroom

    See how much you can save on your next new or used vehicle by using our Free Car Buying Service.  Go Here to Save


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