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  2. Auto Loans

Auto Loans1

Your Auto Loan Journey Starts Here

Apply for an Auto Loan

Are you a KTVAECU Member?

Yes, Apply in Digital Banking
No, Start Application
Woman leaning on car, holding car keys.

Auto Loans Made Easy

From application to final payment, KTVAECU® helps make financing your next ride simple. Enjoy competitive rates, quick decisions, and flexible ways to apply.

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Easy

Apply for a loan online, over the phone, in person at any branch, or directly through our Preferred Dealerships.

Calendar

Quick

Our loans are processed in-house, so we make decisions quickly. Often, you’ll get an answer the same day you apply.

ATM

Convenient

Pay back your loan with digital banking, transfers, and more. Choose the method that works best for you.

Check Our Rates

Apply for an auto loan online, at a branch, over the phone, or at a preferred dealership!

New Auto Loan2

Rates as low as 5.99% APR*

Model Year 2021 and Newer
Effective October 18, 2026
Up to 84 Months Fixed Rate
Payment Example: 84 monthly payments of $144.01 per $10,000.00 borrowed.

Calculate your new auto loan payment.

Apply for New Auto Loan
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Used Auto Loan3

Rates as low as 6.99% APR*

Model Year 2020 and Older
Effective October 18, 2026
Up to 84 Months Fixed Rate
Payment Example: 84 monthly payments of $148.72 per $10,000.00 borrowed.

Calculate your used auto loan payment.

Apply for Used Auto Loan
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Get More Purchase Power with Pre-Approval

Take control of your auto purchase with a U-Rite-It Auto Loan4. Once you’re preapproved, show up to the dealership with a check in hand.

  • Calculate your loan payment with our online calculators
  • Apply online, in-branch, or by calling (800) 467-5427
  • After pre-approval, receive a check for an approved amount & rate
  • Take the check with you while you shop
  • Give your check to the dealer when you’re ready to buy
View Auto Loan Rates
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Start the Search for Your Next Ride

Use our resources to find, evaluate, and choose your next set of wheels. We partner with Carfax, J.D. Power, and AutoSmart to help you find the right car for you. We are here to help you navigate the loan process and get you on the road quicker.

Auto

AutoSMART

With AutoSMART Vehicle Search, browse local inventory from our Preferred Dealers to find your dream car, motorcycle, boat, or RV. Choose the make and model, and AutoSMART will do the rest.

Start Your Search
Calculator

J.D. Power

Before you buy your new ride, look up the value to help you get the best deal. J.D. Power helps you discover the market value of your current vehicle, the value of a new vehicle, and other helpful tips.

Check prices
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CARFAX

Want to know more details about a vehicle? Use CARFAX to check its history, service records, warranty information, and more. It’s one more way we help you drive with confidence.

Check CARFAX

Guaranteed Asset Protection (GAP)5

GAP provides a little extra coverage beyond your auto insurance. If your vehicle is stolen or totaled, most insurance companies will only reimburse you up to the book value of your vehicle. That may mean you’re on the hook for the rest of your payments, or for a partial replacement cost. GAP may cover the difference between what the insurance company pays toward the loan, what is left of the loan balance, and the deductible up to $1,000.00. We also provide $1,000.00 toward the purchase of a replacement vehicle if you get an auto loan with us within 90 days.

GAP can be added to any auto loan within one (1) year of the purchase date. To add GAP, call us at (865) 544-5400 or visit any branch!

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Ways to Pay

Pay your auto loan the way you prefer.

Computer

Digital Banking

Use your digital banking account to view your balance, make a payment, and manage your loan.

Log in to Digital Banking
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Payment Portal

Sign in to our secure payment portal to make a payment anytime.

Access the Payment Portal
Check

Mail a Check

Mail a check to:

Knoxville TVA Employees Credit Union
Attn: Loan Payments
PO Box 36027
Knoxville, TN 37930

Mobile Phone

Pay By Phone

Call (865) 544-5400 to make a payment by phone. Charges may apply.

Location Pin

Pay in Person

Come see us in person to pay your loan. Use the link below to find a branch near you.

Find a Branch Near You

Learn more about making your payment.

Skip-A-Payment6

Need a little extra financial flexibility this month? Skip-A-Payment lets eligible Members skip a monthly loan payment for holidays or unexpected expenses after making at least three payments on their loan. A $35.00 fee applies for each skipped payment.

Learn More about Skip-A-Payment
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Auto Loans FAQs

Find answers to common questions about Auto Loans.
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Personal and auto loans have a 10-day grace period before a late fee is assessed. Credit cards do not have a grace period.

To payoff a loan, mail your payment to the address below and include account number in the memo.

Knoxville TVA Employees Credit Union Loan Payoff
PO Box 36027
Knoxville, TN 37930

To pay with a consumer loan payment coupon, write your account number on your check or print the payment coupon template and return it with your monthly payment.
PRINT PAYMENT COUPON

Yes, please submit your proof of insurance here.

As a Member of Knoxville TVA Employees Credit Union, you may be eligible for discounted protection rates not offered to the general public through Travelers Insurance.

Learn More

Get the Right Auto Loan for You

Take control of your auto purchase with a KTVAECU Auto Loan. Once you’re pre-approved, show up to the dealership with a check in hand. Apply online, in person, or over the phone.

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Disclosures

  1. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness.

  2. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Minimum loan amount for new auto loans with terms 85 to 96 months: $40,000.00. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

  3. APR = Annual Percentage Rate. Available to qualifying Members. Some restrictions may apply. Rate subject to change without notice and based on creditworthiness. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended terms available for Recreational Vehicles and Boat Loans with a minimum loan amount of $40,000.00. Extended-term rates available and may vary based on creditworthiness. Rates increase by 1.00% for autos over 100,000 miles. Payment per $10,000.00 is for example purposes only. Ask for details.

  4. APR = Annual Percentage Rate. Extended terms available. Available to qualifying members. Some restrictions may apply. Ask for details.

  5. Service available through third-party partner SWBC Financial Institution Group. Guaranteed Asset Protection (GAP) is not intended to replace your automobile insurance. It may not protect the entire deficiency. It does not provide bodily injury, property damage, liability, or collision insurance and does not comply with any financial responsibility or any other law mandating motor vehicle insurance. These products are optional. Insurance products are not a deposit or obligation of, or guaranteed by Knoxville TVA Employees Credit Union or its affiliates. These products are not insured or guaranteed by NCUA or any agency of the federal government. Your credit approval cannot be conditioned on whether you purchase any of the insurance products. Some exceptions apply.

  6. Skip-A-Payment is not valid on real estate loans, business loans, line-of-credit loans, or credit cards. $35.00 fee applies to each skip-a-payment. All qualifying loans must be current and in good standing. Maximum number of 2 skips are allowed per rolling 12-month period. Back-to-back skips are allowed if qualifications are met. Ineligible loans will not be deferred. Credit Union will not be responsible for any payments, deposits, or other communications of forms lost in the mail. Skip-A-Payment is subject to Credit Union approval. By utilizing Skip-A-Payment, you acknowledge that KTVAECU will be extending your loan and final payment by one month on each loan designated. Interest will continue to accrue on your loan during the month that you skip your payment. If a GAP Waiver insurance policy was purchased at the origination or during the course of the loan, doing any Skip-A-Payment may have an adverse impact as to how a GAP claim is paid by the GAP insurance carrier. The Credit Union will not be liable for any denial of GAP benefits created by Skip-A-Payment products.