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Auto Loan FAQs

Auto Loan Frequently Asked Questions

Travis Auto Financing Options

  • Terms up to 84 months
  • New and used car loans
  • Refinance current loan (Travis or other institution)
  • Recreational Vehicle Loans including RVs, motorcycles and watercraft

Apply Online Check Vehicle Finance Rates

You can refinance an auto loan by using the “Apply Online” button below, visiting your nearby Travis Credit Union branch, or by calling our Member Service Center at (800) 877-8328. We pride ourselves in finding you the best rate possible to refinance your existing auto loan from another lender.

Check Vehicle Finance Rates Apply Online

Save money when you finance a vehicle at Travis Credit Union
Our competitive low rates give you some the best financing available to buy and refinance your new or used vehicle. You can save money on your auto loan from the day you drive off the lot. Get pre-qualified for a loan so you’ll know how much you can afford. Enjoy quick loan processing, an easy online loan application and other great features.

  • New Auto – Low rates, pre-qualification, apply directly at dealerships, loan protection
  • Used Auto – Low rates, model years 2003+, apply at dealership, loan protection
  • Refinance – Lower payments, save money, shorten loan term, loan protection
  • Recreational – High-efficiency electric and hybrid vehicles, motorcycles, watercraft & RVs

Click on the “Rates” button below to view rate information for various products, including auto loans.

Check Vehicle Finance Rates Apply Online

We invite you to compare our competitive rates on auto and home loans with other financial institutions. You'll find that our low interest rates, excellent service, member-focused products and financial strength together can’t be beat. We’re here for all of your lending needs.

Set a Budget. Crunch the numbers and see how much of a car payment you can afford. Once you have an idea, use an auto payment calculator to see how much of a total vehicle price you can afford.

Auto Loan Calculator



  • More car per monthly payment
  • Drive the latest models every few years
  • No need to worry about trade in
  • You'll know how many miles you'll drive


  • No asset at the end of lease
  • No flexibility in changing model
  • Possibly higher insurance costs
  • May be charged for excess mileage



  • Own an asset when paid off
  • Greater flexibility
  • Greater leverage when purchasing


  • Less car per monthly payment

Lease vs. Purchase Calculator

Individuals who are pre-approved for an auto loan with Travis Credit Union may purchase their vehicle from any dealership or private seller. Auto loan pre-approval lets you know how much of a loan you can afford and it lets you shop with confidence.

Visit a branch or call our Member Service Center at (800) 877-8328 to get pre-approved for an auto loan so you can get the car of your dreams.

Travis Credit Union requires that you carry auto insurance coverage that includes comprehensive and collision insurance for the value of the loan.

We have a range of insurance products

We offer insurance products that can pay off the balance of your auto loan in case your vehicle is totaled as well as insurance that makes your monthly loan payments in case of a financial hardship. Please call our Member Service Center at (800) 877-8328 for more information.

Life happens. Protect your family and your possessions against the unexpected with insurance from your trusted financial partner. Travis Credit Union members have access to a range of insurance products such as whole life, homeowners and auto insurance, loan protection and dental benefit plans.

If you have had credit difficulties in the past, the best way to find out if we can assist you is to apply for a loan. Please stop by a branch, call our Member Service Center at (800) 877-8328 or apply online. Our representatives will gladly assist you in your request and determine if an auto loan is possible.

We've got the financing that you need and the low, competitive rates that you want for your home, auto and personal loans so you can save money from day one.

If you're buying a car or refinancing one, take advantage of our pre-qualified loans, quick loan process and easy online loan application through Online Banking.

Apply Online

Yes! If you’re in the market for a new or used vehicle, we encourage you to get pre-approved with Travis Credit Union for an auto loan. With an auto loan pre-approval, you’ll know how much car you can afford, providing you with the peace of mind to shop with confidence and stay within your budget.

We've got the financing that you need and the low, competitive rates that you want for your auto, home and personal loans so you can save money from day one.

If you're buying a car or refinancing one, take advantage of our pre-qualified loans, quick loan process and easy online loan application through Online Banking.

Check Vehicle Finance Rates Apply Online

Please visit your nearest Travis branch or call us at (800) 877-8328 during normal business hours if you would like to set up additional principal payments to your TCU auto loan. You can find your nearest branch by visit our Branch Locations.

Branch Locations

If the loan is paid off with guaranteed funds (cashier’s check, cash, or new loan proceeds) the lien card or title will be mailed to the appropriate party within 10 to 14 days. Loans paid off with a personal check issued from another financial institution may take a little longer.

Please call our Member Service Center at (800) 877-8328 for any questions about the status of your loan.

Guaranteed Asset Protection covers the gap between the current value of your vehicle as determined by your auto insurer and the amount you still owe on your auto loan.

Please call our Member Service Center for assistance with understanding your GAP policy, because each situation is different. The number is (800) 877-8328.

Now that you’re pre-approved and ready to shop for a vehicle, where do you start? It may be wise to begin your research online at sites such as Travis Credit Union’s CUDL Autosmart which helps you find the right vehicle that fits your needs.

Please visit our Auto Buying Center. Click on the "Research" link on the top right and look for the Kelley Blue Book logo/link at the bottom left of the page, under "Vehicle Value Guides." This link will allow you to search for your car's value.

Auto Buying Center

Here are other things to consider when finalizing your purchase:

  • Total amount financed: Double check your loan documents to be sure the total amount financed is what you agreed upon.
  • Length of loan term: Typically, vehicle loans range from 48 months to 96 months. While financing for longer terms means a lower monthly payment, it may cost you more over the life of the loan if you don’t pay off the loan early.
  • Monthly payments: If you were pre-approved before you shopped for your vehicle, you’ll know if you can afford the monthly payments. Don’t agree to the sale if you know you can’t.

Consider Vehicle Loan Protection

One you’ve agreed to the price of the vehicle and signed the loan documents, it may be wise to consider loan protection in case your vehicle is totaled in an accident or the unexpected occurs and you become involuntarily unemployed. Travis Credit Union representatives can help explain these two insurance products:

Guaranteed Asset Protection:
What if your new vehicle is stolen or totaled in an accident just a few months after you bought it? Since your car insurance will only pay the value of the vehicle at the time of its loss, chances are that amount won’t be enough to pay off your auto loan. Guaranteed Asset Protection (GAP) coverage pays this difference. GAP is available for private passenger cars, vans and light trucks, as well as for motorcycles, ATVs, snowmobiles and personal watercraft. Even recreational vehicles and watercraft are eligible.

You can purchase GAP from Travis Credit Union within 90 days from the date your loan is funded. Please note GAP will not pay for items such as late fees, interest, credit protection and service contracts that could be cancelled and returned to the loan balance or remaining balances due to over-financed loans.

Member-Valued Protection:
MVP is voluntary payment protection that you can add to an eligible loan. It assists you in making payments during a financial hardship. MVP acts likes an emergency payment plan that will make your loan payments should you become involuntarily unemployed, disabled or die. For example, MVP will make your monthly auto loan payments, up to the agreement maximum, should payment protection be needed. For a loss of life, it will cancel your outstanding loan balance, up to the agreement maximum.

MVP coverage is available in three options for up to two borrowers per loan. Costs vary by plan. Only TCU consumer loans and credit cards are eligible for MVP coverage and the cost of the protection can be conveniently rolled into your loan agreement to become part of your monthly payments.

MBI plans

As much as you rely on your vehicle to get from point A to B, you never know when the journey could be interrupted with an unexpected stop on the road.

If your car does breakdown, Mechanical Breakdown Insurance can be your safeguard. MBI provides nationwide coverage along with 24/7/365 emergency roadside assistance to ensure a helping hand on the road if you ever need it.

The available MBI plans are determined by the year, make, model and mileage of the vehicle and feature three separate tiers of service. They each offer no deductible, nationwide coverage, a 60-day money-back guarantee and direct claim payments via Visa and MasterCard. Plans are transferrable to a new owner of the vehicle.

*This insurance program is offered through Route 66 MBI. There is a 30-day and 1,000-mile waiting period. All vehicle repairs must be approved by the claims office. Route 66 MBI policies are transferrable for a $40 fee.

Exclusively for credit union members, the TruStage Auto & Home Insurance Program provides affordable top-quality protection. You could enjoy discounted rates combined with online convenience and 24/7 claims service.

Call (855) 483-2149 for a free quote.

1. 1% Cash Bonus on refinance applies to auto loans refinanced from another lender to Travis Credit Union. Cannot be combined with other consumer loan offers and is not valid on existing Travis Credit Union loans. Member must have valid registration in order to qualify for this offer. Minimum loan balance required is $10,000 and maximum cash bonus is $500 per financed loan. Rates based on creditworthiness, and age of vehicle. Membership and other restrictions may apply. Cash bonus will be deposited into primary member’s savings account within two weeks of the loan funding date. Cash bonus is considered interest and will be reported on IRS form 1099-INT. Subject to change or cancellation at any time.
2. The APR (Annual Percentage Rate) reflects a 0.25% discount for automatic payment and a 0.50% discount for being a member for more than 6 months. Rate is 0.25% higher without automatic payment and 0.50% higher if you have been a member for 6 months or less.

The “CUDL AutoSmart” links are provided as a convenient connection between the websites belonging to Travis Credit Union and its business partner. The policies and procedures in use at our business partner may differ from those in use at Travis Credit Union. Travis Credit Union is not responsible for the content contained in our business partner website.

Forbes Top 10 Credit Unions in California Award
Desjardins Financial Education Award, 1st place nationwide, adult and youth
US Air Force Distinguished Credit Union of the Year
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