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Auto Loans

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Transport Credit Union

Auto Loans

New, pre-owned, or refinancing from another lender. Get pre-approved with Transport CU and shop with the confidence of a cash buyer.

Apply Now → View Loan Rates

Skip The Dealer's Finance Desk

The dealer's finance office isn't your only option, and it's rarely your best one.

With Transport CU, you're a member, not a number. Get pre-approved before you shop and you'll walk onto the lot knowing exactly what you can spend, negotiating like a cash buyer instead of haggling over a monthly payment. New, pre-owned, or refinancing a loan from another lender, we make the math work in your favor.

Looking for current rates?

Current auto, motorcycle, boat, and RV loan rates live on our official Loan Rates page so you always see the latest. Click here to learn more about rates.

View Current Loan Rates →

It's As Easy As 1, 2, 3

Financing a vehicle with Transport CU isn't complicated. Here's the entire process, from start to keys.

STEP 1
Apply Online

Fill out a quick, secure application from your phone or computer. It only takes a few minutes.

STEP 2
Get Your Pre-Approved Draft

Once you're approved, you'll know exactly what you can spend before you shop.

STEP 3
Shop

Bring your draft to the dealer, strike your best deal, sign and drive. It really is that simple.

Ready When You Are

Let's Get You Driving.
Start Step 1 →

Already Have A Car Loan?

Refinance It To Transport CU

If your vehicle is currently financed at another financial institution, moving that loan to Transport CU could lower your rate, your monthly payment, or both. It's the same simple application.

Transport CU also finances motorcycles (including Harley-Davidson), boats, and RVs, with the same simple application. See current rates for every vehicle type on our Loan Rates page.

A note on finding the vehicle: Transport CU finances vehicles. We don't sell cars or source them for you. If you'd like help shopping, members can use two independent partner services: the Auto Advisor Program and CU Auto Branch. Both are operated by third parties, separate from your loan.

Auto Loan FAQ

Yes. Many members apply for a pre-approval first. Once you're approved, you'll have a pre-approved draft in hand, so you know exactly what you can spend before you start shopping.

Absolutely. If your vehicle is currently financed at another financial institution, you can move that loan to Transport CU. Apply online and our team will walk you through what refinancing could mean for your rate and payment.

Generally, a government-issued ID, basic income and employment information, and details about the vehicle if you've already chosen one. You don't need a vehicle picked out to apply for a pre-approval.

Your rate depends on factors such as your credit history, the vehicle being financed, the loan term, and whether it's new, pre-owned, or a refinance. Current rates are listed on our Loan Rates page and are subject to qualification.

Transport CU's role is financing your vehicle, not selling or sourcing it. If you'd like help shopping, members can use two independent partner services: the Auto Advisor Program and CU Auto Branch. Both are operated by third parties.

Yes, and joining is easy. Membership opens up our vehicle loan programs along with every other benefit Transport CU offers. We can walk you through eligibility in just a few minutes.

Strike Your Best Deal

Sign And Drive

With your pre-approved draft in hand, you negotiate the price and drive off in the vehicle you came for.

Apply Now Call 1 (800) 237-5567
Quick Contact
  • Member Services: 1 (800) 237-5567
  • Email: memberrelations@transportfcu.com
  • Address: 8916 Sabal Industrial Blvd, Tampa, FL 33619
  • Hours: Mon, Tue, Thu 8AM–5PM | Wed 10AM–5PM | Fri 8AM–5:30PM
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