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Auto Loans

Affordable car ownership starts here

Our auto loans provide flexible financing and competitive rates to help you drive the vehicle you want—whether you're buying, refinancing, or purchasing private-party. With terms up to 84 months and no hidden fees, you’ll enjoy affordable monthly payments customized for your budget.

Auto Loan Types

Drive4Less

Enjoy the low monthly payments of a lease with fewer restrictions.

CUDL

We work with most local area dealerships to make purchasing your car right at the dealer a breeze.

Private Sales

No dealership? No problem! You can get a low-rate auto loan even if you buy from a private seller.

Refinance

Why pay more than you have to? Save on your existing auto loan by refinancing at a lower rate with us.

How to Apply

Apply Online

Why wait? Start your application now. Request your auto loan now and a member of our team will reach out to you.

Schedule an Appointment

Choose a time to connect with us in person or over the phone. If you’re applying for a consumer, home equity, or mortgage loan, you can meet with us via video for step-by-step guidance!

Apply Via Online Banking or Mobile Banking

Log in, choose Apply & Add, and select your desired loan type. On mobile, tap “More” to find Apply & Add.

Contact Us

Visit us, give us a call, or chat with us to start your application. 

Planning Tools

Vehicle Search Tool

The car of your dreams is out there. We'll help you find it!

Auto Solution Car-Finding Service

Don't like shopping for a car? That's okay. We do! We'll help you find your next vehicle with Auto Solution car-finding services.

Carfax

Curious about a used car's history? Consider CARFAX for a detailed report about a vehicle before you decide to buy.

KBB

Get access to a more affordable loan that can cover up to 100% of your next vehicle's purchase price.

Protection

MemberGuard™ Protection

Protect your loans now for life's unexpected surprises. MemberGuard™ Protection can cancel your loan payments if you become involuntarily unemployed, sick, or injured. It can also repay your loan, up to the policy maximum, if you become deceased.

GAP

If your vehicle is deemed a total loss due to an accident or stolen, there can be a significant gap between what you owe on your loan and what your insurance covers. That's where GAP coverage can save the day. 

TruStage Insurance Add-ons

Choose from a variety of protection plans from TruStage including Auto & Home and Accidental Death and Dismemberment. They can also assist with Life, Disability, or Involuntary Unemployment claims.


Auto Refi - Special Offer

Take advantage of a limited time auto refinance offer that puts cash back in your wallet! You could save big by refinancing your auto loan with us at 5.24% APR* by May 31 and get these incredible perks:

  • 1% cash-back bonus on your payoff amount
  • No payments for 60 days
  • No fees - we'll cover your title transfer!

How much can we save you? Contact us and we'll be happy to run the numbers for you. 

Savings Example:
Original Loan Balance: $30,000 at 8.24% APR for 48 months
New Loan with Us: $30,000 at 5.24% APR for 48 months
Monthly Savings: $43.00
Total Savings: $1,999.08 over the life of the loan
Cash-back Bonus: $300 (deposited to account at funding)
Title Transfer Fee Savings: $39.50 (WA) or up to $200 (OR)

REFINANCE BY MAY 31 TO UNLOCK THESE PERKS. APPLYING IS QUICK AND EASY!

Auto Loan Resources

Calculator

Rates

View Consumer Loan Rates
Loan Payment Example: A $30,000 auto loan at 5.24% APR* for a 48 month term would have a $696.00 monthly payment.

Apply & Save in 1-2-3

  1. 1 Complete an application It takes only minutes to fill out the online application.

  2. 2 Get approved We'll crunch the numbers and let you know if you're approved.

  3. 3 Buy your dream car Use the funds to buy the vehicle you need.

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Real Words, Real People from the PNW

Love the Virtual Reps at the ITM. Makes my banking feel more personal even for a simple transaction.
Carolena Q.

Auto Loan FAQs

What benefits can I expect from a Fibre Federal & TLC auto loan?

We practice Rate Equality, so every qualified member gets the same great low rate. Enjoy flexible terms up to 84 months, choose from a variety of insurance and protection options, get access to CARFAX reports, and more auto loan benefits.

Can I get help with starting my auto loan application?

Applying for a loan can feel easier when you’ve got someone by your side—or on-screen—to guide you through it. That’s why we now offer live, one-on-one video appointments for consumer loans. A loan officer will walk you through the process step by step and answer your questions, so you feel confident from start to finish. Schedule an appointment here.

Can I finance with Fibre Federal & TLC at the dealership?

Yes! In many cases, there's no need to go back and forth between the dealer and a lender to buy a car. We make it easy with Credit Union Direct Lending (CUDL)! We work directly with many local dealerships, so you can get your loan through us right on-site when you find your perfect car.

Can you help me find a new car?

Absolutely! We have a robust vehicle search tool that lets you search for your ideal make and model, compare prices, take virtual test drives, and contact dealers directly.

What is the Drive4Less loan?

Our Drive4Less loan offers low monthly payments like a lease, with fewer restrictions. Plus, you’d own the vehicle with full flexibility and all the benefits of ownership.

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*Annual Percentage Rates effective and subject to change without notice.

Maximum term dependent on purchase price and mileage. Auto loans up to $10,000: maximum term 60 months. Auto loans $20,000 or more: maximum term 84 months. Gas vehicles exceeding 120,000 miles: maximum term 72 months.

Add .50% to rate for gas vehicles exceeding 100,000 miles and diesel vehicles exceeding 150,000 miles.

Purchase: Front end LTV >100%, add .25%; >110%, add .50%; >120%, add .75%. Maximum LTV 130%.

Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%.

Add 1% for Drive4Less loans.

AUTO REFI SPECIAL OFFER: 

*Annual Percentage Rate effective January 1, 2026 to May 31, 2026, and subject to change without notice. 48 month term at this rate. Extended terms available at different rates. Refinance: Back end LTV >100%, add .25%. Maximum LTV 130%. Add 1.0% for vehicles over 100K miles for gas and 150K miles for diesel. Rate dependent on vehicle model year. Offer not valid for existing FFCU and TLC auto loans. Loan payment example: A $30,000 auto loan at 5.24% APR* for a 48 month term would have a $696.00 monthly payment.

 

Start Your Auto Loan Application


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