Car Loans

How to apply

Get pre-approved! Shop When you want. How you want.

  • Apply at any branch, by calling, or online
  • Get a check for an approved amount and rate
  • Take the check when you go car shopping
  • Give the check to the dealer
  • And you're done! No extra paperwork!

With a U-Rite-It Auto Loan, the paperwork for your loan is done when you get the check. When you find the perfect car, just fill in the amount and give the check to the dealer! Both the check and your rate are good for 90 days, so take your time finding the right vehicle for you!

More than just a loan

In addition to competitive, low-rate auto loans, the Credit Union offers:

  • 100% financing (to those who qualify) and various loan terms
  • No application fee
  • Hassle-free financing – apply for a loan and complete the paperwork at the dealership
  • More peace of mind with debt protection and GAP coverage















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.

Travelers offers special program rates, generous discounts and savings advice. To request a quote, call toll-free 800-842-5936 or click here. Be sure to have a copy of your current policy handy when requesting a quote.

Get a Quote!

There is no way to predict an injury, illness or an unexpected death, but you can take steps along the way to make sure your family is provided for if the unexpected were to happen to you. Credit Disability and Credit Life Protection may help make your loan payment to make life easier for you and your loved ones.

Credit Life Protection safeguards loved ones in the event of death by paying off the remaining balance of the auto loan. Credit Life is available to members and joint borrowers of a loan. Coverage is effective through age 69, covers the loan balance up to $100,000 and a maximum term of 120 months.

Disability Protection is available to members and joint borrowers of a loan. When disabled and unable to work, this protection helps pay monthly payment obligations. Coverage is available to members through age 65, covers the loan payment up to $1,000 per month and a maximum term of 120 months.

Credit Disability and Credit Life Protection work in two different ways. You and your family may not have to make loan payments if you are totally disabled due to a covered injury or illness. It may help pay your loan until you are no longer totally disabled, or in the event of your unexpected death, it may help pay off the loan. Savings, salary or payoffs from other insurance may be used for other important things, giving your family financial freedom when they need it most.

Premiums for Credit Life and Disability Protection may be included with your monthly loan payment. No physical examination is required, but a few health questions may need to be answered to determine eligibility. Coverage can be canceled at any time. If canceled within the first 30 days, you will receive a full refund if the premium has already been paid.

For more information, call (865) 544-5400, (800) 467-5427,  or visit any branch.

Guaranteed Asset Protection (GAP) provides additional coverage above and beyond auto protection. If your vehicle is stolen or totaled, the majority of insurance companies will only pay up to the book value of the vehicle, leaving you to pay the difference. GAP would cover that difference: between what the insurance company pays toward the loan, what is left of the loan balance, and the deductible up to $1,000. GAP through the Credit Union also provides $1,000 toward the purchase of a replacement vehicle if financed through the Credit Union within 90 days.

For more information, call (865) 544-5400, (800) 467-5427,  or visit any branch.

Before visiting a dealership, make sure you know how much you can afford to spend, decide whether you want to buy or lease, and research your auto financing options. Doing your homework ahead of time will help ensure that you make a smart decision that you won't regret later.

NADA Guides/Vehicle Pricing

CarFax Vehicle History Reports

Car Buying Articles

Disclaimer Statement

Knoxville TVA Employees Credit Union's website is members' source for financial services and information. All links or connections to other websites are solely for information purposes to members and do not constitute an endorsement or recommendation of the site. The Credit Union does not guarantee, endorse, and is not liable for any failure of products or services advertised on these sites.

Get Credit Union financing on the spot at any dealership participating in the Ask For It Indirect Lending Program. Look for the yellow and black Ask For It logo to obtain financing through the Knoxville TVA Employees Credit Union without ever setting foot in a Credit Union branch! Accurate as of 2/1/17


Airport Honda

Alcoa Good Times

Auto Locators

Chilhowee Trailer Sales

Rice Chrysler - Dodge

Rick McGill's Airport Toyota

Rusty Wallace Kia

Twin City Buick

Twin City Hyundai

Twin City Mazda

Twin City Nissan

West Chevrolet


Bean Station Auto & RV Sales LLC

Linda's Lakeside Marine


Watson’s Marine, Inc.


Bill Gatton Chevrolet, Cadillac, Isuzu

Bill Gatton Honda

Bill Gatton Mazda, Suzuki, Nissan

Friendship Automotive

Friendship Chrysler, Jeep, Dodge

Toyota of Bristol

Wallace Imports of Bristol


Tri-Am RV Center of East Tennessee, Inc.


Fox Toyota

Ray Varner Ford

Tommy's Motorsports

Viles Automotive Group


KNK Automotive


Bachman-Bernard Chevrolet, Cadillac, Buick, GMC

Gateway Ford Lincoln - Mazda - Mercury

Mountain Motorsports Greenville


Earl Duff Subaru

Jerry Duncan Ford

Duncan Chevrolet, Buick GMC, Cadillac, Inc.


Car Connection

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Tarr Chevrolet


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Bill Gatton Acura - Mazda

Champion Chevrolet - Cadillac, LLC

Chaparral Pontiac, Buick, GMC

Crowder RV

Friendship Hyundai of Johnson City

John Ryan Automobiles

Lakeside Auto Center

Johnson City Toyota

Johnson City Ford

Wallace Imports of Johnson City


Don Hill Pontiac

Fairway Ford, Inc.

Fairway VW

Honda of Kingsport

Rick Hill Imports

Toyota of Kingsport

Wallace Nissan


Blue Springs Auto & Boat Company


AutoNation Honda

Beaty Chevrolet

Cadillac of Knoxville

Camping World RV Sales - Louisville

City Motors

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Jim Cogdill Dodge

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Land Rover Knoxville

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McManus Auto Sales

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Metro Motors, LLC

Parkside Kia

Personal Auto Locator Service, LLC

RC Motor Company

Reeder Chevrolet

Rice Buick - GMC

Roadmaster - Clinton Hwy

Roadrunner Motors, Inc.

Rusty Wallace Honda

Rusty Wallace Kia of Knoxville

Ted Russell Ford - Kingston Pike

Ted Russell Ford - Parkside Drive

Ted Russell Nissan

Tennessee RV Sales & Service

Toyota of Knoxville

Viles Automotive Group

Wilsons Auto Sales


Mountain Motorsports


Imports and More, Inc.

Lenoir City Chrysler, Dodge, Jeep, Ram

Lenoir City Ford Mercury


Doug Justus Auto Center


Hepperly Auto Sales East

Hepperly Auto Sales West

Ideal Auto Sales

Maryville Auto Sales, LLC

Ritchie Power Sports, LLC


Chevrolet of Morristown

Colboch Harley - Davidson

Henderson Motor Company

Honda Morristown

Lakeway Auto Sales - Morristown

Morristown Ford

Morristown Hyundai

Morristown Marine

Parkway Auto Sales

Royston Chrysler - Jeep

Rusty Wallace Pontiac, Cadillac, Kia

Rusty Wallace Toyota


Rusty Wallace Ford

Stinnett Automotive Group


Oak Ridge Nissan

Rusty Wallace Chevrolet

Secret City Chrysler, Dodge, Jeep


Boone Lake Marina, Inc.


Casey's Frontier Chevrolet


Rogersville Chevrolet - Rogersville CDJR


Edde Chevrolet

Jarnigan Ford Motor Co.


A&L RV Sales LLC

McNelly, Whaley Motor Company

Rocky Top Chrysler, Jeep, Dodge

Sevierville Auto Brokers

Volunteer Chevrolet - Geo


Tri-County Marine



White Pine Marine & RV Sales