You must be 18 years old or otherwise have the ability to legally contract for automotive financing in your state of residence, & either a U.S Citizen or Resident Alien (permanent or non-permanent)

• Dealer Purchases
• Refinancing of current auto loan
• Lease buyouts
• Private Party

As a Credit Union, we have the ability to offer lower interest rates, lower fees, and additional products at a lower cost than our competitors or car dealerships.

Your loan approval is locked in for 30 calendar days from the date of your original loan submission.

Refinancing may reduce your monthly payment through lowering your interest rate, extending your loan term, or both. Also, refinancing may help you reduce the overall amount of interest paid.

Yes. Any auto loan that you have financed somewhere else, qualifies.

A down payment is not required. In some cases, it may improve the loan-to-value ratio, which may help with the approval process.

No, but depending on your situation, it may help you meet the requirements for credit and ability to repay the loan.

If we have all the information needed, within minutes. If we need verification of some sort or documents, the decision process will be delayed.

Yes. It allows you to know exactly how much you are approved for. Don’t reveal to the seller or dealership the maximum amount you were approved for.

If email was provided, we can send everything electronically to sign. Or, you can come into any TTCU branch to sign in person.

Yes. We offer 3 additional products you can purchase for your newly purchased auto investment. GAP (Guaranteed Asset Protection), Vehicle Service Contract (Warranty) & Multishield.

GAP is an optional coverage that covers the difference between the amount owed on the loan and the vehicle’s value. Some exclusions apply.

Service contracts is an optional coverage in the event that a major mechanical component of the vehicle, such as engine, transmission, heating/cooling system, seals, gaskets, and fuel system, need repair. The coverage last for a specific time period or vehicle mileage.

Multishield is an optional coverage that includes cost for tire repair or replacement, repair minor dents and door dings, repair windshield rock chips, and 24/7/365 emergency roadside assistance.

Prices differ depending on the type of vehicle but are offered to you at a much lower cost than an auto dealership.