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Tinker Federal Credit Union Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 09 November 2023
Fact checked

Tinker Federal Credit Union auto loans overview

Tinker Federal Credit Union logo

Tinker Federal Credit Union (TFCU) is the largest credit union in Oklahoma and boasts auto financing choices with great rates and long terms. Members can buy or refinance new and pre-owned cars, trucks, recreational vehicles, motorcycles, etc. Plus, TFCU offers discounted rates for green vehicle loans and active-duty military members.

Want to see what a TFCU auto loan will cost? Try the Tinker Federal 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 Tinker Federal Credit Union auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: As low as 6.60% APR.
  • Loan terms: Up to 84 months.
  • Loan fees: Undisclosed.
  • Discounts: Reduced rates for Certified SmartWay and SmartWay Elite vehicles and active-duty military members.

TINKER FEDERAL CREDIT UNION AUTO LOAN OPTIONS

New and used auto loans

Tinker FCU offers workable auto loans with terms of up to 84 months for purchasing and refinancing. From as low as 6.60% APR, you can secure new and pre-owned cars and trucks. If you’re an active-duty military member, you may also secure a loan for as low as 6% APR. And if you purchase a Certified SmartWay and SmartWay Elite vehicle, you can get a 0.25% rate discount.

Recreational vehicle and boat loans

You can also secure financing for recreational vehicles and watercraft. Interest rates range between 6.99% APR to 10.24% APR, and loan terms can be as long as 180 months.

Motorcycle loans

Besides cars and RVs, you can apply for motorcycles, dirt bikes, and ATVs, too. You can get rates from 6.49% APR to 13.49% APR and repay your loan for up to 72 months.

Tinker Federal 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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Tinker Federal Credit Union

Tinker Federal Credit Union auto loan

Tinker Federal 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 Tinker Federal 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 Tinker Federal Credit Union auto loan

Eligibility criteria

Tinker FCU doesn’t indicate the criteria for credit applications, but you commonly need to be:

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

To improve your chances of securing a lower rate, try to boost your credit, too. Remember that only members with credit scores ranging from 700 to 850 can qualify for the lowest rate. This way, you can save on your interest payments.

How to join Tinker Federal Credit Union

Tinker FCU membership is open to anyone who meets any of the following criteria:

  • Immediate families and permanent household members of TFCU members or those who qualify
  • Employees or members of TFCU’s business partners
  • Military or civilian personnel of the United States Government assigned at Tinker Air Force Base, Vance Air Force Base, or qualified Army National Guard facilities
  • Contractors or employees of contractors regularly working at one of the government installations above
  • Military or civilian personnel of the U.S. Government connected to one of the Armed Forces Reserve Centers in Oklahoma
  • U.S. Armed Forces members – active, retired, dependents, or dependent survivors eligible to receive benefits or services from one of the above installations
  • Members of the veterans organizations in Oklahoma
  • Elected officials or employees of the cities of Ada, Arcadia, Del City, Edmond, Enid, Luther, Moore, Norman, Nash, Yukon, Garfield County, or Cleveland County
  • Members of any of the organizations listed in TFCU’s Charter
  • Employees or students at one of the institutions listed in TFCU’s Charter
  • Spouses of deceased members
  • Retirees who receive pensions
  • Annuitants of TFCU’s business partners
  • Live, work, worship, or attend school in Payne, Pontotoc, Seminole, or Oklahoma City’s Empowerment Zone

What you’ll need to have ready

Personal details

When you apply for auto financing with Tinker Federal 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 TFCU 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.

If you’re refinancing your car loan, you may need to provide more details about your vehicle. These can include your vehicle’s make, model, and year. So, ensure you have the necessary information ready before applying so that you can speed up your loan application process.

Ways to apply for a TFCU auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call (405) 732-0324 or 1-800-456-4828

Additional Tinker FCU auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it can range from a day to a few weeks based on your application.
  • Rate discounts: 0.25% rate discounts for Certified SmartWay and SmartWay Elite vehicles and a discounted fixed rate of 6% for active-duty military members.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: Undisclosed.
  • Co-borrowers allowed: Undisclosed.
  • Co-signers: Undisclosed.
  • Hardship program: Undisclosed.
  • Ways to repay: Online banking, mobile banking, and over the phone.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Competitive rates.
  • Long repayment options.
  • Discounted rates for Certified SmartWay and SmartWay Elite vehicles and active-duty military members.
  • Loans for first-time buyers with little or no credit history available.
  • Complete financing available (including tag, title, and tax).
  • Convenient auto-buying services.
  • Pre-approval available.
  • No prepayment penalties for green vehicles.
  • Purchase and refinance offered.
  • Loans for multiple vehicles – cars, trucks, boats, dirt bikes, ATVs, motorcycles, RVs, and boats.

Cons

  • Membership required.
  • 700 to 850 credit scores needed to qualify for the lowest rate.
  • Undisclosed minimum and maximum loans.
  • Loan fees unspecified.

FREQUENTLY ASKED QUESTIONS

How to apply for a vehicle loan at Tinker Federal Credit Union?

You can apply online, schedule an appointment, or visit any branch office.

How much interest does Tinker Federal Credit Union charge on vehicle loans?

New and used car loans start as low as 6.60% APR.

What is the maximum term of a TFCU auto loan?

You can make loan payments for up to 84 months.

Are there discounts available on Tinker FCU car loans?

You may qualify for a 0.25% rate discount if you purchase a Certified SmartWay or SmartWay Elite vehicle. Plus, you can get a rate as low as 6% if you’re an active-duty military member.

How many pay slips does Tinker FCU require during my vehicle loan application?

Though TFCU doesn’t disclose the documents needed, you usually need to provide your 2 most recent pay stubs.

Will applying for an auto loan with TFCU affect my credit score?

Applying for a loan will require a hard credit check from the financial institution. Since this will appear on your credit report, it can temporarily drop your credit score by a few points. Nonetheless, consistently pay your monthly dues to build your credit.

Video: The TFCU Great Auto Loan Payoff – $250,000 and counting!

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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