TN Members Auto Loans

Have you ever gone shopping for a car and been able to pay cash on the spot or write a check for the entire purchase price? You can with a TN Members 1st PAL draft. Our Pre-Approved Loan program allows you to pick the car you want, sign the check, fill in the amount, and drive away in your new car in minutes. It’s the easiest, and fastest way to buy a car.

Auto Loans

What Makes Our Auto Loans Great?

  • Low Rates
  • Quick Decisions
  • Convenient PAL Drafts

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Route 66 Extended Warranty

Be ready for the unexpected and ensure you’re covered in the event of a mechanical breakdown with Route 66 Extended Warranty! No matter where you travel in the United States, Route 66 Extended Warranty protects you against major mechanical expenses, and there is no deductible on covered parts or labor. The three plan options available to members include:

  • First Street (Drivetrain Coverage)
  • Main Street (Delux Coverage)
  • Easy Street (Factory Type Coverage)

All Route 66 Extended Warranty plans come with Rental Car Allowance and 24/7 Emergency Roadside Service for when the unexpected happens:

  • Towing
  • Battery Jump Starting
  • Safe and Secure Package
  • Lock-out Service
  • Flat Tire Assistance
  • Minor Adjustments

*The above information is not intended to provide in-depth information about all plans available. It only provides a basic overview of the Route 66 plans. Complete terms and provisions are contained within each plan. Please refer to your Service Agreement for complete details.

AutoSMART Research Center

Financing a car should be fast and painless. That’s why we partner with AutoSMART, a convenient auto research and shopping platform that connects our members to over 15,000 of the nation’s top auto dealers. Search, shop, and apply for an auto loan all from one site!

With AutoSMART, you’ve got a powerful tool at your fingertips:

You can filter your search using just the specifications you want…or you can get more specific and build the exact car you’d like to drive.
Once you find the car you want, use our VIN-level price analysis to find out exactly what it’s worth, and how much you could get for your trade-in.
After that, get pre-approved for financing with us right on the site!

When you’re ready for your next car, check out our AutoSMART website and feel confident making a smart buying decision on a vehicle you’ll love.

Visit our AutoSMART Research Center

NADA Guides

NADA GuidesNADAguides is the largest publisher of vehicle pricing and information for new and used cars, classic cars, motorcycles, ATVs, boats, personal watercraft, snowmobiles, RVs, and manufactured homes. NADAguides has been relied on for publishing the most market-reflective vehicle pricing and information. NADAguides began with the very well-known orange and blue printed guidebooks which are to this day relied on by hundreds of thousands of individuals each year. NADAguides has become a leader in vehicle data publishing and the technology that delivers it including digital web applications, mobile applications, raw data formats, web services as well as web-syndicated products.

Visit NADAguides Website


Effective Date: Sunday, June 16th, 2024
Rate TypeAPR (as low as)Payment Example per $1,000-Maximum Term
(2018-2024) Up to 36 Months 6.74% $31.00
(2018-2024) Up to 66 Months     6.74% $18.00
(2018-2024) Up to 78 Months 6.74% $16.00
(2018-2024) Up to 84 Months 6.74% *Min loan balance is $10,000* $15.00
(2018-2024) Up to 96 Months** 8.24%** *Min loan balance is $40,000* $14.00
(2012-2017) Up to 66 Months 7.74% $19.00
(2011-Prior) Up to 66 Months (CPI Guide) 8.74% $19.00

Federally insured by NCUA. APR = Annual Percentage Rate. **Available for Indirect Loans only. Loan amount must be >=$40,000. Payment per $1,000 borrowed is for example purposes only. Payment examples are not available for variable rates. Programs, rates, terms, & conditions are subject to change without notice. Rates & credit limits may vary based on individual credit history. Some restrictions may apply, ask for details.

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Auto: What would my auto payments be?

Many factors go into determining the final loan amount for the purchase of a new or used vehicle. These factors include any manufacturer's rebate, the trade-in value of your old vehicle less any outstanding balance, your down payment, etc. Once the loan amount is determined the interest rate and the term of the loan will be used to estimate your vehicle payment.

Loan Amount


APR = Annual Percentage Rate. Terms and restrictions may apply, ask for details. Rates may vary based on individual credit history. Programs, rates, terms, and conditions are subject to change without notice. Payment per $1,000 borrowed is for example purposes only. Payment examples are not available for variable rates.

**Available for Indirect Loans only. Loan amount must be >=$40,000.

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