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Rates as Low as 4.79% APR* up to 84 Months1

Get Pre-Approved Today

Find Merry Savings With
New & Used Car Offers Including

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Rates as Low as 4.79% APR* up to 84 Months1

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No Payments for 90 days2

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NO COST AutoAdvisors concierge services

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Hundreds of new & pre-owned vehicles

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Member Protection Services

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Trade-Ins are welcome

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Sunset Dream Car

How to Get Pre-Approved for TFCU’s Fall Car Sale

Step 1

Step 1: Get Pre-Approved

Start your journey by getting pre-approved so you can shop with confidence and focus on the right vehicle for your budget. Having the make, model, estimated purchase price, and preferred loan term in mind will help make the process even smoother. 

Get Pre-Approved Today

Step 2

Speak With Our Auto Advisor

Once you’re pre-approved, let your TFCU representative know you’d like to connect with an AutoAdvisor. They’ll help guide you every step of the way: from finding your dream car to helping you negotiate a great price.

Experience Effortless Auto Buying With Auto Advisors

Searching to buy a new or used vehicle, truck, or SUV, but don't have time to shop, deal with pushy salesmen, or negotiate for hours? Without ever stepping foot inside a dealership, our colleagues at Auto Advisors will make it easy and get you the best deal possible. And yes, if you have a current car to trade in for an upgrade, they will take care of that, too! 

Your Auto Advisor Will:

  • Find your perfect car
  • Eliminate price negotiations
  • Get the most for your trade-in
  • Arrange for vehicle delivery
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TFCU Auto Loans Rates

Rates effective as of November 2, 2026

Rates as low as:

4.79 % APR*

Up to 84 months New Vehicles

Up to 78 months Used Vehicles

Purchased transactions only.

Other conditions may apply.

3.89 % APR*

36 Months

New or Used

Purchased transactions only.

Other conditions may apply.

FAQs

  • Pricing and Discounts
    • What Are the Prices and Discounts Available on the Cars During the Sale Event?

      The Auto Advisor will work to secure the best possible price for your desired vehicle.

    • Are There Any Additional Incentives for Purchasing Multiple Cars or Referring Friends/Family?

      Yes, the incentives are rates as low as 4.78% APR up to 84Months* and No Payments until 2027** are per application. If you have multiple applications, each vehicle app can qualify for the offer.

  • Member Protection Services
    • Does TFCU offer financial safeguards for my loan(s)?

      Yes, the Credit Union will have a full array of member protection services available including Credit Insurance, Mechanical Breakdown, GAP, Auto Essentials Vehicle Protection, and Depreciation Protection. For more information click below.

      Member Protection Information
    • What Is the Return or Exchange Policy for Cars Purchased During the Event?

      The Auto Advisor will provide information on return or exchange policies, which depend on the vehicle and the dealer.

  • Process and Participation
    • Can I Trade in My Current Car During the Event, and if So, What Is the Process?

      Yes, you can trade in your current car. Provide the relevant details to the Auto Advisor, who will guide you through the trade-in process.

    • Is This Promotion Available to My Friends and Family and if So, Do They Need to Open an Account With the Credit Union?

      Yes, this promotion is open to everyone. However, they will need to open an account with Tropical Financial Credit Union to secure a loan.

    • Can I Test Drive the Car I’m Interested in During the Event?

      Yes, test drive information will be provided by the Auto Advisor.

    • Are There Any Specific Requirements or Documents Needed for Purchasing a Car During the Event?

      The requirements are the same as usual. If any additional documents are needed, the member will be informed upon approval.

    • Are There Any Additional Warranties or Packages Included With the Purchase During the Event?

      We finance our current products. If the car comes with any warranties or packages, the Auto Advisor will provide that information based on the vehicle.

    • Does This Car Sale Event Include New and Used Cars?

      Yes, the event features both new and used cars, offering a wide selection for buyers.

Let's Get You Pre-Approved Today

Your Next Car Awaits!

Disclosures

*APR=Annual Percentage Rate.  Your actual APR will be determined at the time of disbursement and will be based on your creditworthiness. Not all applicants will qualify for the lowest rate. Rates quoted assume excellent borrower credit history.

1 Up to 84 months for new automobiles, model years 2026 and newer. Up to 78 months for used automobiles, model years 2021 thru 2025. Minimum loan amounts apply. Other eligibility requirements may apply.

2 90-day payment deferral subject to credit qualification. Interest will continue to accrue during the 90-day deferral period on the full amount borrowed beginning on the loan issue date. The accumulation of interest, with no payments being made to reduce the principal, will be added to the total repayment amount.

To be eligible for Special Car Sale offers, you must apply for your loan between 11/02/2026 and 12/06/2026 and purchase your vehicle at the car sale event. Other restrictions may apply. All loans are subject to approval based on creditworthiness, collateral approval, and other factors. TFCU membership eligibility is required with a $1 minimum savings. Rates and offers may change or be removed at any time without notice.