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Auto Loan Rates

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Auto Purchase or Refinance Loan 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 6.74% APR for 60 months has payments per $1,000 equal to $19.68/month.
Quoted rate of 7.24% APR for 72 months has payments per $1,000 equal to $17.16/month.
Quoted rate of 7.49% APR for 84 months has payments per $1,000 equal to $15.33/month.
Quoted rate of 8.74% APR for 60 months has payments per $1,000 equal to $20.63/month.
Quoted rate of 9.74% APR for 60 months has payments per $1,000 equal to $21.12/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, Opt-In, Share Certificate, IRA, 1st Mortgage, VISA

Year and Type

2023 - 2019 New or Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

6.74%

Discount APR*

6.24%

Year and Type

2023 - 2019 New or Used

Maximum Term

72 Months

Minimum Loan Amount

$15,000

Maximum Financing Value

125%

APR

7.24%

Discount APR*

6.74%

Year and Type

2023 - 2020 New or Used

Maximum Term

84 Months

Minimum Loan Amount

$30,000

Maximum Financing Value

125%

APR

7.49%

Discount APR*

6.99%

Year and Type

2018 - 2016 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

8.74%

Discount APR*

8.24%

Year and Type

2015 - 2013 Used

Maximum Term

60 Months

Minimum Loan Amount

$500

Maximum Financing Value

125%

APR

9.74%

Discount APR*

9.24%

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Estimate Your Monthly Auto Loan Payments

See how affordable it can be to finance an auto with us. Enter the vehicle’s purchase price, sales tax, and any rebate or trade-in, and we’ll tell you how much you can expect your monthly payment to be.

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We’re here to be more than just your financial institution. We want to be a life-long partner that shares expert financial guidance so you can make the best decisions for yourself and your family. Here are a few auto loan resources, and you can always find more on our blog and in our financial education center.

  • What’s a Good APR for a Car Loan?

    Learn how your credit score and the type of vehicle you are purchasing can affect your loan conditions and APR.

    Learn More

  • First-Time Car Buyers Guide to Car Loans

    Learn how a car loan works, the difference between buying a new and a used car, why you should get pre-approved, and so much more.

    Learn More

  • Leasing vs Buying a Car: What’s Right For You?

    Find out the pros and cons of buying and leasing a car, including the long-term costs, conveniences, and more.

    Learn More

Disclosures

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