Young couple riding in a luxury car

Auto Purchase & Refinance

Drive down your payment with a Transcend Credit Union auto loan

When you are ready to look for an automobile, Transcend Credit Union is your partner to get on the road. 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
  • Flexible terms and low rates lead to budget-friendly monthly payments
  • Convenient automatic payment available
  • Up to 90 days with no payment

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

Transcend Credit Union offers loans for New automobiles purchased from a dealers. 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

Get on the Road with Transcend!

Get rolling in your new vehicle using a Transcend Credit Union Auto Loan today. Apply online or contact us before you get shopping.

All rates, terms, and conditions subject to change without notice. Rate may vary based on your credit profile, vehicle age, and loan term. All loans subject to credit approval and collateral approval. Offers cannot be combined with any other offer. If qualified and approved, first payment due 90 days after close of auto loan. Interest will continue to accrue up to first payment date.

Person pointing at the words "Credit Score".
Financial Education

We’re committed to serving you and care about your financial health.

Free individualized counseling, guidance, and educational resources are available.

Explore Financial Education