We offer Auto Loans and Refinancing

At CTCU, we take pride in offering more than just competitive rates and flexible terms on our auto loans!

  • Up to 100% financing for both new and used vehicles.
  • Flexible terms - up to 6 years for a new car.
  • Fast Preapprovals
  • No Hidden Fees
  • GAP Advantage Insurance
  • Payment Protection Insurance
  • Route 66 Extended Warranty Insurance


Our best rates come with the ease of automatic payment withdraw from your CTCU checking or savings account. The options below are a sample of our rates.

Auto Loan Rates New Vehicle - 4 Years and Newer
Starting as low as6.19%
Auto Loan Rates Used Vehicle - Older than 4 Years
Starting as low as8.99%

*Regardless of member’s qualifying account relationship discounts or matching rate provision, the rate will at no time go lower than our current floor rate. Subject to credit and collateral approval.

GAP Advantage Insurance

We offer GAP Advantage Insurance on all auto loans. GAP Advantage is an asset that covers the difference between what your car is currently worth and your remaining auto loan balance. In the event of severe damage, theft, or total loss, GAP Advantage Insurance gives you peace of mind.

Payment Protection Insurance

With Payment Protection Insurance, your loan payment may be reduced or paid off if you die or become disabled due to a covered illness. The cost of coverage is conveniently included in your monthly payment, and benefits are paid even when other insurance is in force- helping to reduce financial risk for you and your family.

Route 66 Extended Warranty Insurance

This warranty is a comprehensive mechanical breakdown coverage of all makes and models of automobiles. Contact our consumer loan office for more information.

Experience the difference today! Apply online, visit us at one of our branches, or call 903-561-2603.

Note: applicants must be a member or eligible member to apply. Rates vary depending on credit score. All loans are subject to credit approval.

Credit restrictions apply. Rates and terms are subject to change at any time. Rate is determined by individual credit history and repayment term.

Take the next step to getting your auto loan:

Apply for an Auto Loan Apply for a Used Auto Loan Contact Us

Loan Calculator

Curious about a loan? Try out our loan calculator to get a better understanding of what you’ll be paying!

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Looking to build your credit?

Our Starter Loans and Credit Builder Loans can help!

Take advantage of credit loan perks