Auto Loans

Auto Loans

Meet or BeatSave 100’s of dollars in monthly auto payments by financing with Telco Plus CU! We have some of the lowest auto interest rates on new and used autos in Longview and Tyler! Our low rates packaged with low priced automotive protection, Extended Warranty and GAP insurance, is the best deal for you. Telco Plus loan officers make the process easy and convenient for you. Talk to one of our knowledgeable loan officers today to start saving money!

  • + Online and Phone Applications*
  • + Electronic Signatures
  • + Skip A Pay*
  • + Nonmembers can apply before joining.
  • + Quick Approval
  • + Car shopping and trade-in advice
  • + Loan Terms 36 months – 84 months*

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*Qualifications, approval, and terms can vary due to membership and credit qualifications.

Auto Loan Process

auto infographic image

Even if you bought your car yesterday, you can refinance for better savings! Telco Plus will refinance other financial institution's auto loans by 1 point lower, down to our lowest current rate. Most of the time we save members more than 2 or 3 point, because our pricing is already lower! Talk to loan officer today to see how we can save you money.

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We do auto financing and refinancing for people who have credit scores in the low 500 range all the time! You are more than a credit score at Telco Plus. We look at all of your credit history, other factors, and the automobile to help you with loan approval. We offer free credit counseling with suggestions, to help you improve your credit score. You don’t have to settle for the pay-here car lots. Discuss your options with a loan officer today!

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Telco Plus is so dedicated in helping members have the best deals, that we created a guarantee! Any auto loan can be re-evaluated after 12 months to see if you qualify for a lower interest rate. Credit scores dramatically improve after 12 months of good payment history and this could put you in a lower interest rate category.
You must ask for the re-evaluation. Only one request per 12 months, only one rate change per loan.

Auto Shopping Tool

AutoSmart is an online shopping tool that can help you during the auto buying process. You can search local inventory, compare new autos side-by-side, calculate payments, look up trade-in values, and apply for a loan. Take AutoSmart for a test drive today!

Interactive calculators and all information within are provided for illustrative purposes only, and the accuracy is not guaranteed. Please see a loan officer for accurate pricing and loan discounts that we offer. Your rate may vary based on credit history, collateral conditions, and qualifications.

Quotes from our Members


  • "Telco is the best place to use if you need a credit loan and the people are just great - very friendly and kind."

    Member K.B.
  • "Cindy was very friendly and very helpful."

    Member JJ
  • "Elvis is very professional, straight forward and very friendly."

    Member LDF
  • "I recommend the loan dept because they're so professional and nice. "

    Member JT
  • "Have been a customer for 15 years and always TPCU has been my first option for any loan service. Today again I had a great and easy experience for my banking needs."

    Member JS
  • "Great customer service, it's the best credit union in Tyler!"

    Member MC