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Auto Loans



At KTVAECU®, we know how exciting car shopping is, but we also know it involves a lot of complex decision-making. We make the loan process quick, simple, and easy to understand, so you can enjoy driving the car you love. From your application to your final payment, we are here for YOU. Whether you are shopping for a new car, searching for a used one, or just looking to refinance your current vehicle, we are here to help you!

You can apply for a loan online, over the phone, by visiting a branch, or directly through our Preferred Dealerships. Choose which option works for YOU.

Our loans are processed in-house, so there’s no waiting on an out-of-state committee to make the decision. Many times, you will receive your answer on the same day as your application!

We offer multiple ways to pay your loan so that you can get back to life.

New Vehicle
(2015 AND NEWER)
Effective 04-18-2024
Rates as low as…
6.99% APR1 
Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $150.92 per $10,000.00 borrowed.

Used Vehicle
(2014 AND OLDER)
Effective 04-18-2024
Rates as low as…
8.99% APR2
Up to 84 Months Fixed Rate.
Payment Example: 84 monthly payments of $160.90 per $10,000.00 borrowed.


U-Rite-It Auto Loans take the stress out of car shopping by putting the power in your hands! Show up to the dealer with a check in hand by following these steps:

  • 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 car shopping
  • Give check to dealer at time of purchase

Visit any of our Preferred Dealers and tell them you want to finance through KTVAECU!


Guaranteed Asset Protection (GAP)4 provides a little extra coverage beyond your auto insurance. 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 purchasing a replacement vehicle if financed through the Credit Union within 90 days.

Guaranteed Asset Protection can be added to any auto loan within 12 months of purchasing the vehicle. To add GAP, call us at (865) 544-5400 or visit any branch!


Life is unpredictable. Payment Protection offers a safety net for your loans during unexpected life events such as illness, hospitalization, loss of life, and more. Payment Protection can be added at any time during the life of the loan and can offer peace of mind for yourself and your family members. For more information or to add Payment Protection, call us at (865) 544-5400.



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 844-988-5486 or visit the Travelers website. Be sure to have a copy of your current policy handy when requesting a quote.



Member accounts in good standing can apply to Skip-A-Payment for a $35.00 fee after making at least three payments on their loan. Skip-A-Payment can be used two times per 12-month period.