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Vehicle Loans

Get into a new ride with a vehicle loan from Telcoe. We offer competitive rates and flexible terms. Apply today for a great auto loan rate.

Apply for Purchase Pre-Approval Auto Refinance Savings Quote 

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Take the wheel on your next adventure with our great rates. Whether it's a new or used car, truck or motorcycle, we can help you finance it and even refinance your current loan. As a member-owned credit union, our loyalty is to you, not the dealerships.  We also offer CARFAX reports.

Apply Now View Rates 
dog and lady in car  


  • Competitive low, fixed rates 1 on new and used 2 vehicles and motorcycles
  • Virtual auto buying made easy
  • Choose from a wide range of repayment terms to fit your needs
  • Pre-approval and resources for extra bargaining power at the dealership
  • Purchase from:
    • An individual
    • Online
    • In or out of state
  • $15 application fee
  • Turnaround time in as little as 1 hour, depending on the type of purchase 3
  • Helpful loan advisors with working knowledge of local auto market
  • Local, Arkansas decision making and processing
  • Friendly, attentive service from start to finish
  • Stress free buying tips & online research tips
  • Every December we offer a SKIP-A-Payment option
  • CARFAX available for $15.00

  Sample Payments

($25,000 LOAN)
5.74% 48 months         $584.30
6.54% 60 months         $486.26
6.74% 72 months         $418.20

Rates quoted above are for sample purposes only. For a quick rate quote please call us at 501-375-5321.


Personal Assistance
We can assist with a vehicle purchase or refinance. We can also offer up to 90 days of no payments.

  • We would be happy to assist you in person or over the phone during business hours.

Buying Advice
Telcoe is here to help you navigate the winding roads of car buying.

How much do you want to pay monthly?

  Calculate your payment 


Need to upload your auto insuranceChange agents? Receive a letter of missing insurance on your vehicle loan?  Upload Here


It's easy! The entire process can be completed online, over the phone or email. We are here to help save you money. No matter your credit score, we offer competitive rates.

Request a Refinance Savings Quote
woman driving car

Moving Your Loan to Telcoe

  • Competitive low, fixed rates on vehicles, motorcycles, RV
  • Choose from a wide range of repayment terms to fit your needs
    • Payroll deduction payments 
    • Coupon book
    • Auto pay from your checking, etc 
  • Option to defer your first payment up to 90 days
  • No prepayment penalty
  • $15 application fee +$15.10 title transfer fee
  • December Skip-A-Payment Offer

Example of savings -Loan Amount $35000 :

Current Rate 7.99% Term 60mo Payment $709.50

Moving your loan to Telcoe:

New Rate   6.24%  Term 60mo Payment $680.76

Savings of $46.76 per month by moving your vehicle loan to Telcoe.

*APR=annual percentage rate.  Rates quoted as of4 -2-2024.  Assumption above is for a new 2023 vehicle.  Rates subject to change at anytime. The loan rate is based on the credit score, application, loan to value, collateral, etc. 





Enjoy greater peace of mind, knowing you and your loved ones are covered.


Investments/Insurance/Warranties: Not NCUA Insured • Not Credit Union Issued, Guaranteed or Underwritten • May Lose Value
1 Rates shown are Annual Percentage Rates (APR). Rates will vary depending on credit worthiness and are subject to change without notice. Loan terms available may vary depending on amount borrowed, the length of contract, credit history, and payment method. All loans are subject to approval. Regular terms and conditions apply. Telcoe Federal Credit Union is an Equal Opportunity Lender.
2 Older models may apply, please see loan representative for more details.
3 Turnaround time frames may vary based on the amount of time it takes to get the required paperwork and documentation to our loan department.



You already come to us for great rates on car loans. Now you can join thousands of other smart shoppers by taking advantage of exclusive discount pricing when you use our hassle-free car buying service powered by TRUECar®.



How does it work?

Finding a new or used car is simple with our auto buying service. 

  • Find your car
  • Lock in Savings
  • Secure your Financing with one of our friendly loan officers
  • Get your Car


Start taking advantage of our discount pricing and begin the search for your new or used car today.

Find a NEW car  Find a USED car


Open an Account

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Apply for a Loan

Whatever you want to finance, applying for a loan online is fast and easy.