Auto Purchase & Refinance

Celebrate Independence Day with a Transcend Auto Loan!

It's time to take back your independence from expensive monthly auto loan payments, and we're here to help! Whether you are purchasing or refinancing, take advantage of Transcend Credit Union’s money-saving rates, flexible terms, and a fast approval process to get an auto loan payment that fits your budget.

  • Loans for new and used cars, trucks, SUVs, and vans
  • Refinanced rates as low as 5.99% APR*
  • Up to 90 days1 with no payment
  • And as a Special Independence Day Bonus: Up to $700 cash back2 when you refinance your auto loan with Transcend!
Conventional Auto Loans Flex Auto Loans
Money-saving rates and a fast approval process. See our rates here! Lower monthly payments and flexible loan terms that reflect your vehicle's value. Read more here!

How do I qualify for the cash back promotion? 

It's easy to qualify! You will receive the cash back incentive if the total amount of your auto loan refinance falls within the ranges shown below:

Auto Loan Amount
Cash Back Incentive


What Kind of Auto Loan Can I Get from Transcend Credit Union?

Transcend Credit Union offers loans for new automobiles purchased from a dealer. You can also get a loan for a used, low mileage vehicle. You can also apply to refinance your current auto loan. Transcend Credit Union wants you to get into the vehicle that works best for you.

Why Should I Get Pre-approved for an Auto Loan?

Having a pre-approved auto loan puts you in the best position to go shopping for your new or new-to-you vehicle. With a pre-approved loan, you can shop for a car with the leverage of not depending on the car dealer to give you the best price and a good financing deal, too! With a pre-approved auto loan, you can focus on getting the car you want at the price you want.

Should I Take a Dealer Rebate or a Lower Interest Rate?

There are a few specific things to consider when you have this choice. If you begin by trying out scenarios with our rebate vs low interest rate calculator before you go shopping, you will be ready to implement “real-world” numbers on the spot to see what works best for you.  If you have a pre-approved auto loan from Transcend Credit Union, you can have the best of both worlds with both great rate from your credit union and any offered dealer rebates.

Does Transcend Credit Union Work Directly with Dealerships?

Yes! With our Direct Dealer Lending, Transcend could make auto buying even easier for you. By purchasing a vehicle at a participating dealership, you can get Transcend Credit Union’s financing right on the spot.

Do I Need to Have Insurance to get a Transcend Credit Union Auto Loan?

To finance a vehicle through Transcend Credit Union, you'll need to provide us with up-to-date auto insurance information. MyLoanInsurance is a fast, easy and secure way to get us that information. You can also email us your insurance policy details at

*APR = Annual Percentage Rate. APR effective 07/01/2024. Rate may vary based on credit profile, vehicle age, and loan term. Lowest available loan rate is 5.99% APR financed over 63-month term for 2023 model year or newer and includes .50% discount for external refinance, .25% discount for GAP purchase, and a .25% discount for warranty purchase. Existing Transcend Credit Union auto loans do not qualify for cash back. All loans subject to credit and collateral approval. Not all applicants will qualify. Cannot be combined with any other offer. All rates, terms, and conditions subject to change without notice. Membership eligibility required. 1First payment due 90 days after closing; interest accrues during 90-day period. 2After closing, a one-time bonus of $700 given for loans of $60,000 or more; $500 for loans between $40,000 and $59,999.99, and $200 for loans $20,000 to $39,999.99. Minimum loan amount of $20,000 to qualify for bonus. Bonus will be deposited to Regular Savings account within thirty days of closing. Bonus may be taxable as interest income and reported on IRS form 1099-INT. Consult your tax advisor.

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