The Tennessee Credit Union
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Refinance Now. Pay Later.Ready to Get Back on the Road?

If you have a car loan with another lender, chances are you may be paying too much.

Bring your car loan to TTCU to enjoy low loan rates, flexible terms, and no payments for 90 days♦ (credit qualifications apply). Refinancing at a lower rate and getting a better payment is easy at TTCU. 

Seasonal Special: Refinance with TTCU and get rates as low as 1.95% APR* on New Vehicles for Members and NO payments for 90 days!

Effective: August 10, 2020 - November 30, 2020 


  • Loan amounts up to $50,000
  • Rates as low as 1.95% APR*
  • No payment for 90 Days**
  • Terms range from 36 Months to 72 Months

When is refinancing the right thing to do?

  • Interest rates have dropped since you bought your vehicle. Even a percentage point or 2 can make a big difference.
  • Your credit score has improved and you qualify for a lower interest rate.
  • You want to reduce your monthly payment.
  • Your lease is expiring and you have the option to purchase the vehicle.


Auto Refinance Calculator

Auto Refinance Calculator
Estimate your cost


*Annual Percentage Rate (APR) and term are based on applicant’s creditworthiness. Rates are subject to change at any time without notice. Not all applicants will qualify for the lowest rate. TERMS & CONDITIONS OF OFFER: You must be eligible for membership. You must continue to meet the criteria used to select you for this offer and our creditworthiness criteria. These criteria that you furnish the required collateral information necessary to finalize the loan. Must be able to show and maintain insurance coverage through the life of the loan. This is offer is void where prohibited by law. This offer is non-transferable. This offer expires 60 days from the date of the offer. If you continue to meet the criteria used to select you for this offer and our creditworthiness criteria, you will receive auto refinancing in an amount between $15,000 and $50,000, at an interest of no more than 14.50%. calculated according to the simple interest method, for the term of between 36 and 72 months. Financed at $15,000.00 at 14.50% APR, this amount can be repaid over a term of 5 years, resulting in 60 monthly payments of $352.92. Offer valid through November 30, 2020.

♦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.