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Apply for a TCU auto loan

Dealerships. Test drives. Pros and cons. Whether you have found the vehicle, or still looking for the right fit, apply for an auto loan today to be pre-approved for your purchase. Browse Thrivent Credit Union's competitive rates and start your auto loan application today.

Auto loan rates

Loan Term1,2
Vehicle Model Year Up to 36 Monthly Payments 48 Monthly Payments 60 Monthly Payments 72 Monthly Payments
2018-2022 APR as low as 1.99% APR as low as 2.24% APR as low as 2.24% APR as low as 2.49%
2012-2017 APR as low as 2.74% APR as low as 2.99% APR as low as 2.99% APR as low as 3.24%
2011 and Older APR as low as 3.99% Not Available Not Available Not Available



1 First payment may be deferred up to 90 days, but interest will continue to accrue during the deferred payment period. Example: A 3-year (36 month) $20,000 loan with a rate of 1.99% that closes on June 14, 2021 will have 34 payments of $607.45 beginning on September 13, 2021. For new or used consumer auto (cars and trucks) loans on purchases or refinances of current TCU loans or loans at another financial institution. This offer does not apply to business loans or other vehicles such as motorcycles and motorhomes. Your eligibility for this offer and the actual Annual Percentage Rate (APR) is based on your term, payment method, credit history and other credit qualifications. All rates are subject to change at any time without notice. Some restrictions may apply. All loans and lines of credit are subject to credit application, qualification and approval. This offer is subject to end at any time without notice.

2 Your rate will be determined based on payment method, account relationship, creditworthiness and collateral. Rate(s) listed reflect a .50% loan discount.

Rates used in these examples are effective as of May 2, 2022 and assume excellent credit history and automatic payment from a Thrivent Credit Union account. Rates are subject to change without notice. Other rates and payment options are available. All loans are subject to credit application, qualification and approval. Restrictions may apply. APR is Annual Percentage Rate.

Payment examples:

2018-2022
A $20,000 auto loan with a simple interest rate of 1.99% and a corresponding APR of 1.99% for 36 months equates to a monthly principal and interest payment of $572.76

A $20,000 auto loan with a simple interest rate of 2.24% and a corresponding APR of 2.24% for 48 months equates to a monthly principal and interest payment of $436.00

A $20,000 auto loan with a simple interest rate of 2.24% and a corresponding APR of 2.24% for 60 months equates to a monthly principal and interest payment of $352.66

A $20,000 auto loan with a simple interest rate of 2.49% and a corresponding APR of 2.49% for 72 months equates to a monthly principal and interest payment of $299.33

2012-2017
A $20,000 auto loan with a simple interest rate of 2.74% and a corresponding APR of 2.74% for 36 months equates to a monthly principal and interest payment of $579.34

A $20,000 auto loan with a simple interest rate of 2.99% and a corresponding APR of 2.99% for 48 months equates to a monthly principal and interest payment of $442.60

A $20,000 auto loan with a simple interest rate of 2.99% and a corresponding APR of 2.99% for 60 months equates to a monthly principal and interest payment of $359.28

A $20,000 auto loan with a simple interest rate of 3.24% and a corresponding APR of 3.24% for 72 months equates to a monthly principal and interest payment of $306.03

2011 and Older
A $20,000 auto loan with a simple interest rate of 3.99% and a corresponding APR of 3.99% for 36 months equates to a monthly principal and interest payment of $590.39