Auto Purchasing
New and Used Vehicle Loans
Finance up to 100% of the cost of a new or used car, truck or van – including tax, license and mechanical breakdown insurance. The maximum term is 60 months (72 months for loans of more than $20,000 and up to 84 months for loans over $30,000).
Auto Equity Loans
A unique loan for California Homeowners that allows the purchase (or refinance) of a new or used vehicle, secured by both the vehicle and and a courtesy lien on your home. Fixed rate loans with terms of up to 84 months are available. Best of all, the interest you pay may be fully tax-deductible (check with your tax advisor).
Pre-Approvals of New and Used Vehicle Loans
This service can be a great bargaining tool when sitting down at the dealer to purchase your new or used vehicle. Simply fill out an application before you go car shopping. Once it’s approved, select the vehicle of your choice at your leisure. The pre-approval is valid for 30 days.
Mechanical Breakdown Insurance (MBI)
This low-cost insurance program protects members from expensive auto repairs. MBI works like the extended warranties offered by auto dealers, but costs you a lot less!
Credit Union Direct Lending
Faster Than a Speeding Ticket
Of course, all TFCU members are conscientious drivers, and would never speed in their new super-turbo souped coups. However, when they want to buy that new vehicle, they want a loan fast. That’s where Credit Union Direct Lending (CUDL) comes in.
CUDL is an automated loan approval system providing access to TFCU auto loans while you’re wheeling and dealing at the dealership. CUDL gives members pre-approved car loans on the spot for new auto purchases. You can get a great TFCU auto loan rate without ever visiting a branch. Approvals only take three to five minutes!
Dealerships currently participating in CUDL include Tracy Chevrolet, Stan Morri Ford, Tracy Toyota, Tracy Chrysler/Plymouth, Tracy Honda, Tracy Pontiac, Country Nissan, Tracy Volkswagon, Tracy Mitsubishi and Manteca Auto Plaza.
To use CUDL, look for the CUDL logo at your auto dealership or visit www.cudirect.com. You may also call TFCU to locate participating dealers near you.
Vehicle Links - Auto Purchasing Resources
These auto purchasing resources are available to you as a member of Tracy Federal Credit Union. TFCU assumes no liability for services rendered. These are voluntary programs and you are not obligated to participate.
Autoland Car Buying Services
Buy your next car without visiting a dealership. With one call an auto buying consultant can locate the exact vehicle you want and arrange for delivery. Call (800) 234-6999 or visit www.autoland.com for more details.
Vehicle Links - Other Vehicle Resources
