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Texas Dow Employees Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 09 November 2023
Fact checked

Texas Dow Employees Credit Union auto loans overview

Texas Dow Employees Credit Union logo

Texas Dow Employees Credit Union (TDECU) offers auto financing with competitive interest rates and flexible payment plans to help members find the right auto loan. Qualified members can secure financing for a range of vehicles. These include new and used cars, trucks, recreational vehicles, boats, motorcycles, and more.

Want to see what a TDECU auto loan will cost? Try the Texas Dow Employees Credit Union auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Texas Dow Employees Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: From 5.74% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: No hidden fees.
  • Discounts: Discounts for recurring direct deposit.

TEXAS DOW EMPLOYEES CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Whether you’re purchasing or refinancing, TDECU has low rates and great terms to choose from. New and used cars, vans, SUVs, and trucks have a minimum annual percentage rate of 5.74%. Plus, you can make loan payments from 48 to 84 months.

Recreational vehicle loans

TDECU provides loans tailored to recreational vehicles, too. You can finance pre-owned and new boats, motorcycles, recreational vehicles, jet skis, golf carts, ATVs, and UTVs. Motorcycle loans start at 6.49% APR with terms of up to 72 months. Meanwhile, other vehicles begin as low as 7.25% APR, and terms can range from 48 to 144 months.

Texas Dow Employees Credit Union auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

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Texas Dow Employees Credit Union

Texas Dow Employees Credit Union auto loan

Texas Dow Employees Credit Union auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Texas Dow Employees Credit Union auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Texas Dow Employees Credit Union auto loan

Eligibility criteria

TDECU doesn’t disclose the criteria for car loan applications, but you usually need to be:

  • A member of TDECU
  • 18 years old or older
  • A legal resident
  • Employed or have a dependable income

Even if TDECU doesn’t specify any minimum credit score requirements, it helps to build your credit. Showing an excellent credit profile gives you more chances of getting approved whether you apply to a bank or credit union. Plus, comparing auto loan rates can help you find the one that suits you better.

How to join Texas Dow Employees Credit Union

TDECU membership is open to anyone who meets the following:

  • Work, live, worship, or attend school in Greater Houston, Victoria, Dallas-Fort Worth, and Gulf Coast
  • An immediate family or household member of a current TDECU member
  • Live within 10 miles of a TDECU Member Center
  • A member of an organization that TDECU serves
  • Work for, retired from, or an immediate family member of an employee of a company that TDECU serves

What you’ll need to have ready

Personal details

When you apply for auto financing with Texas Dow Employees Credit Union, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide TDECU with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

While there’s a no-down-payment option, you may think about putting a down payment on your auto loan. Since this lowers the amount you need to borrow, auto loan lenders may offer you better rates and terms. In turn, you can save more over the life of the loan.

Ways to apply for a TDECU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (800) 839-1154

Additional TDECU auto loan details

  • Automatic payment: Available.
  • Rate discounts: 0.25% discount for recurring direct deposits worth $250 or more per month to a TDECU savings or checking account.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Skip-a-pay program offered. (Know more)
  • Ways to repay: Online banking, mobile banking, over the phone, and TDECU Member Care.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Commercial vehicles are ineligible.

PROS AND CONS

Pros

  • Low interest rates.
  • Flexible repayment terms.
  • Quick loan approval.
  • Fast funding.
  • No hidden fees and prepayment penalties.
  • 0.25% discount for recurring direct deposits.
  • No payments for 90 days for qualified members.
  • No-down-payment option available.
  • Pre-approved loan offered.
  • Dealership financing allowed.
  • Optional GAP insurance and auto insurance offered.

Cons

  • Limited to members.
  • Commercial vehicles ineligible for financing.
  • Undisclosed minimum and maximum loans.

FREQUENTLY ASKED QUESTIONS

What is the phone number for the TDECU auto loan?

You can reach out to the credit union at (800) 839-1154.

How much interest does the Texas Dow Employees Credit Union charge on auto loans?

New and pre-owned auto loans begin at 5.74% APR. Keep in mind though that your rates are subject to credit approval.

What is the maximum length of a TDECU car loan?

TDECU offers loan terms extending up to 84 months.

Does Texas Dow Employees Credit Union refinance auto loans?

Yes. You can transfer your current loan from another lender to TDECU to lower your interest rate or monthly payment. However, you can’t refinance an existing TDECU loan.

Are there discounts available on TDECU vehicle loans?

You may get a 0.25% rate discount if you set up recurring direct deposits. To qualify, the amount should be $250 or more per month from a TDECU savings or checking account.

Can I repay my Texas Dow Employees Credit Union car loan early?

TDECU doesn’t charge prepayment penalties, so you can pay off your loan early.

How long does Texas Dow Employees Credit Union take to approve car financing?

You may hear from TDECU on the same day.

How long does it take for a TDECU auto loan to be paid into my account?

In most cases, TDECU can give the funding on the same day as your application and approval.

Video: TDECU member spotlight on Diana M.

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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