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New & Used Autos

Find, finance, and get all the feels about your next vehicle from the comfort of your own home. Make your dream car, truck, van, or SUV a reality with our easy online application.

  • LOW rates, flexible terms, easy process
  • Member loyalty discount of 0.50% APR
  • Car-buying help with our Member Auto Center
  • Additional protection benefits available: Mechanical Repair Coverage, GAP Protection, Credit Life & Disability
  • FAST, online pre-approval

Refinance

Trade in your auto loan and cruise into lower payments with our vehicle refinance loan. We’ll find the right rate and term for your budget so you can focus on what matters most…you!

  • Competitive rates
  • Flexible terms
  • Up to 125% Financing, plus tax, title, and license1
  • Member loyalty discount of 0.50% APR
  • Additional protection benefits available: Mechanical Repair Coverage, GAP Protection, Credit Life & Disability

First Time Auto Buyer Program

We offer first-time auto loans to members with little to no credit history, without a co-signer needed.2 Our flexible terms and program can help you get into that new or used car you've been dreaming of.

  • Borrow up to $25,000
  • Terms up to 60 months
  • Up to a 1% rate discount, including 0.50% discount for auto-pay
  • Finance up to 100% of invoice
  • Good for purchases newer than 10 years old with no more than 100,000 miles
  • Member must have no previous auto purchases on credit report
  • Credit score greater than 620 required

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Member Loyalty Discounts

We believe in rewarding loyalty. That's why eligible members may receive up to a 0.50% APR discount off their approved auto loan rate.

Eligibility:

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

Rates

Account Type
Rate
APY*
Min. Deposit
Min. Balance to Earn
Loan Type
Max. Term
Min. Loan Amount
Max. Financing
APR as low as*
Loan Type
Max. Term
Max. Financing
Rate
APR as low as*
Auto 2026 - 2022 New or Used
Max. Term
60 Months
Min. Loan Amount
$500
Max. Financing
125%
APR as low as*
5.74%
Auto 2026 - 2022 New or Used
Max. Term
72 Months
Min. Loan Amount
$15,000
Max. Financing
125%
APR as low as*
6.24%
Auto 2026 - 2023 New or Used
Max. Term
84 Months
Min. Loan Amount
$30,000
Max. Financing
125%
APR as low as*
6.49%
Auto 2021 - 2019 New or Used
Max. Term
60 Months
Min. Loan Amount
$500
Max. Financing
125%
APR as low as*
7.24%
Auto 2018 - 2016 Used
Max. Term
60 Months
Min. Loan Amount
$500
Max. Financing
125%
APR as low as*
8.24%
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Frequently Asked Questions

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Start a Balance Transfer
Do you currently have a Telco Visa credit card?
Yes
No
Not a BR Telco Visa cardholder? No problem!

Before you begin the balance transfer process, let's get a BR Telco Visa credit card opened for you. We offer two great credit cards to fit your lifestyle. Our credit cards feature no annual fees, no balance transfer fees, and practically unbeatable rates. You can begin your online application here.

Visa Gold Credit Card
Visa® Gold
  • Competitive interest rates as low as 9.90% APR
  • Low minimum credit lines -- only $500
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
Apply NowLearn More
Visa Cash Back Credit Card
Visa® Cash Back
  • Competitive interest rates as low as 13.49% APR
  • 2% cash back on all purchases all the time
  • Pay nothing to save with free balance transfers
  • Get approved in days with easy online applications
Apply NowLearn More
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CAR-BUYING SERVICE

Browse local dealers’ inventory online when it’s convenient for you!

With our Member Auto Center, you can shop local inventory online from the comfort of your own home.

  • Locate a preferred dealer
  • Price quotes & get pre-approved
  • Selling? Get an offer on your vehicle
get in touch

Need help finding the right auto loan?

Complete this short form and we’ll have one of our experts contact you to discuss options.

More Baton Rouge Telco Products & Services

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Disclosures

1Auto Refinance Program applies to refinanced vehicles from another financial institution and cannot be applied to a loan that is already funded at Baton Rouge Telco Federal Credit Union.  

*Rates shown are Telco's current rates and include a 0.50% discount for members with an automatic deduction from a Telco checking account and direct deposit relationship. Terms and conditions apply. Rates are subject to change and depend on various factors including creditworthiness. Your rate may differ. Maximum financing on all auto loans is 120%.

  • Quoted rate of 5.99% APR for 60 months has payments per $1,000 equal to $19.33/month.
  • Quoted rate of 6.49% APR for 72 months has payments per $1,000 equal to $16.81/month.
  • Quoted rate of 6.74% APR for 84 months has payments per $1,000 equal to $14.97/month.
  • Quoted rate of 7.49% APR for 60 months has payments per $1,000 equal to $20.03/month.
  • Quoted rate of 8.49% APR for 60 months has payments per $1,000 equal to $20.51/month.

2Co-signer is not required for loans under $20,000.

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