⚠️ TEXT MESSAGE SCAM ALERT ⚠️

Please be aware that ATFCU will never ask for personal information, login credentials, or verification codes via unsolicited text message, email, or phone. If you receive an unsolicited phone call or message claiming to be ATFCU asking for account/card numbers, user names, passwords, verification codes, or other personal information, please do not respond.
Instead, contact ATFCU directly at 800-404-6008 and speak with Member Service. If you have given out your account number, Visa credit/debit card, or other information, please contact ATFCU immediately.

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Auto Loans

Get On the Road, With The Right Loan.

A woman stands next to her car, and she is leaning on the door. There is a picturesque mountain scene behind her.

Start your search knowing where you stand.

Buying a vehicle is a big move, and we’re here to make it easier. We’ll help you understand how much you can afford, check real pricing, and learn how financing works before you ever visit the dealership. With competitive rates and real guidance, we’re here to help you find the car that’s right for you.

Start Your Application

Why Finance With Us?

When you are financing a vehicle, you have choices. Here is what you can expect from ATFCU:

Competitive rates
Affordable options for new or used vehicles.

Pre-approval available
Get your budget set before you shop.

No early payoff penalties
Pay off your loan sooner and save on interest.

Flexible terms
Choose the payment schedule that fits your life.

Optional shopping tools
Compare real pricing before visiting the lot to help you feel prepared.

Bottom line: we help you buy the car that you want and can comfortably afford. More knowledge. Fewer surprises. A smoother buying experience.

Check Rates

Shop Smarter with Truecar®

See real prices before you buy. TrueCar® helps you compare dealer pricing so you know what others are paying before you head to the dealership. If you find a vehicle you like, you can request a Guaranteed Savings Certificate to bring with you when you shop.

How it works

  • Get pre-approved with ATFCU (online or by phone).
  • Browse pricing through TrueCar.
  • Save or print your price certificate.
  • Visit a participating dealer with pricing knowledge in-hand.

Pre-Approved Power Check

Make Financing Easier

After you’re pre-approved, you can request a Power Check which you can present to the dealer to finalize your purchase using your ATFCU financing. It helps keep the buying process simple and straightforward.

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How to Get Started

To apply, give us a call at (865) 977-3118, stop by your nearest branch, or start your application online. 

Start Your Application

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