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Auto Loans

Dream Car, Meet Dream APR.

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We do a lot of auto loans, so we’re pretty good at it. Our easy, fast process will get you behind the wheel in no time.

  • Man Driving

    Competitive Rates

    We’re known for having some of the best rates around. It’s just how we do right by our members.

  • Woman Driving

    Flexible Terms

    You set the terms. We’ll be flexible. Four years? Seven years? Something in the middle? Let’s make it happen.

  • Family Camping

    Up To 120% Financing

    We offer up to 120% financing, plus tax, title, and license.

See Today’s Rates

AUTO PURCHASE OR REFINANCE

Year and Type

Maximum Term

Minimum Loan Amount

Maximum Financing Value

APR

Discount APR*

* Discount APR applies with (a) automatic deduction from a Baton Rouge Telco Federal Credit Union Checking Account and (b) direct deposit relationship.

Quoted rate of 3.49% APR for 60 months has payments per $1,000 equal to $18.19/month.
Quoted rate of 3.74% APR for 72 months has payments per $1,000 equal to $15.53/month.
Quoted rate of 4.74% APR for 84 months has payments per $1,000 equal to $14.01/month.
Quoted rate of 5.74% APR for 48 months has payments per $1,000 equal to $23.37/month.

Member Loyalty Discount – Members may receive up to an extra 0.5% discount off their auto loan rate.

  • Members with 4 or more years of membership receive a 0.25% discount
  • Members with 4 or more active CORE products receive a 0.25% discount
  • CORE products = Share Draft, ATM/Debit Card, Opt-In, Share Certificate, 1st Mortgage, VISA

Year and Type

2020 - 2016 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

3.99%

Discount APR*

3.49%

Year and Type

2020 - 2016 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

4.24%

Discount APR*

3.74%

Year and Type

2020 - 2019 New

Maximum Term

84 Months

Minimum Loan Amount

$35,000

Maximum Financing Value

125%

APR

5.24%

Discount APR*

4.74%

Year and Type

2015 - 2013 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

5.24%

Discount APR*

4.74%

Year and Type

2012 - 2010 Used

Maximum Term

48 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

6.24%

Discount APR*

5.74%

Star Star Star Star Star

Baton Rouge Telco has helped me with two auto loans and I can say that both have been the easiest, most pain free process that I could ask for. Telco will be my go-to financial institution for any and all financial services.

Rick K., Credit Union Member for 7 years

You can pay online, by phone (fee may apply), by mail or at your nearest branch location. You can also set up a recurring automatic withdrawal payment option.

We are unable to process loan payments using credit cards, but debit cards are accepted for payment by phone (fees may apply).

The majority of Louisiana vehicle titles are electronic and once paid off, printed and mailed by the Louisiana OMV. This process generally takes 2 – 4 weeks.

Complete this short form and we’ll have a loan expert contact you to discuss options.

  • This field is for validation purposes and should be left unchanged.

Get peace of mind so you’ll only have to worry about red light cameras.

  • Man Fixing Car

    Mechanical Repair Coverage

    When your factory warranty expires, our Mechanical Repair Coverage can limit your out-of-pocket expense for any breakdowns.

  • GAP Vehicle Protection

    GAP Protection

    If your car is totalled or stolen, GAP Protection will cover the difference in what insurance will pay and what you owe on your car loan.

  • Family In Car

    Credit Life & Disability

    Feel comfort knowing your loan payments will be made if something happens to you in the event of covered life events or disability.

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Disclosures

These rates are Telco’s current rates. All rates are subject to creditworthiness. Your rate may differ. Rates can change without notice.