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TD Bank Auto Loan Calculator, Interest Rates & Overview

Updated 26 November 2023

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TD Bank auto loans overview

Whether you’re looking for a brand new or used car, TD Bank offers vehicle financing through TD Auto Finance. You can conveniently and quickly shop and apply at over 6,000 dealerships nationwide.

Want to see what a TD auto loan will cost? Try the TD Bank auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key TD Bank auto loan features

Minimum loan amount: Undisclosed.
Maximum loan amount: Undisclosed.
Interest rates: Undisclosed APR.
Loan terms: 24 to 84 months.
Loan fees: Undisclosed.
Discounts: Undisclosed.

TD BANK AUTO LOAN OPTIONS

New and used auto loans

You can finance pre-owned and new vehicles for up to 84 months through TD Auto Finance. Remember though that TD Auto Finance is an indirect lender. So, you will apply right at the dealership to find out the rates you qualify for. However, auto refinance is not offered at TD Bank.

Personal loans

You also have the option to apply for a personal loan instead. TD Bank offers rates ranging from 8.99% to 23.99% APR and terms of up to 60 months. You can borrow from $2,000 to $50,000 to purchase your vehicle.

TD Bank auto loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$25,000

Term

60 months

Change

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Featured

Achieva - New Auto Loan

Estimated Month Repayments

$437 Inclusive of fees

Interest Rate

1.89%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$5,000
to $100,000

GO TO SITE

Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.

Featured

Bank of America auto loan

Estimated Month Repayments

$595 Inclusive of fees

Interest Rate

15.00%
APR

Repayment Period

12 months
to 72 months

Loan Amounts

$5,000
to $100,000

GO TO SITE

Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a TD Bank auto loan

Eligibility criteria

TD Bank doesn’t disclose the criteria for auto financing, but you commonly need to be:

18 years old or older
A legal resident
Employed or have a reliable source of income

Other than these, remember that lenders typically offer the best rates and terms to borrowers with excellent credit. So, check your credit score to have an idea of your eligibility for a loan from TD Auto Finance. Plus, you can make adjustments to build your credit.

What you’ll need to have ready

Personal details

When you apply for auto financing with TD Bank, you’ll be asked to provide personal information such as:

An email address
Your full name
Address
Social Security number
Employment information
Income details
U.S. citizenship status
A list of monthly expenses

Documents

You may need to provide TD with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.income (such as federal tax returns and W-2s), and financial statements.

Knowing the steps in getting a car loan can make your application easier, too. This way, you know what to expect and better prepare the requirements to secure favorable financing from TD.

Ways to apply for a TD auto loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-800-556-8172

Additional TD auto loan details

Automatic payment: Available.

Loan approval times: Undisclosed, but loans may take a day or more based on your situation

Rate discounts: Potential lower rates for applicants in good credit standing.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: Undisclosed.

Co-borrowers allowed: Undisclosed.
Co-signers: Undisclosed.

Hardship program: Call 1-800-556-8172 for payment assistance options.

Ways to repay: Online, by mail, over the phone, and in person.

Vehicle restrictions and limitations

Maximum vehicle age: Undisclosed.
Maximum vehicle mileage: Undisclosed.
Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

Available for new and used cars.
Flexible repayment terms.
Over 6,000 participating dealerships nationwide.
Convenient one-stop shopping at the dealership.
Easy payment options – online, over the phone, by mail, and in person.
Automatic payments available.

Cons

Undisclosed interest rates and loan fees.
No auto loan refinancing offered.
Unspecified minimum and maximum loan amounts.
Limited to partner dealerships.

FREQUENTLY ASKED QUESTIONS

Does TD Bank offer auto loans?

You can finance new and used vehicles through TD Auto Finance.

How much interest does TD charge on vehicle loans?

TD doesn’t indicate the rates online, but you can check with a partner dealer for the auto loans you qualify for.

What is the maximum term of a TD car loan?

TD offers loan terms ranging from 24 to 84 months.

Does TD Bank refinance auto loans?

Right now, auto loan refinancing is unavailable at TD Auto Finance.

How do I pay my TD Bank auto loan?

You can pay your loans online, over the phone, by mail, and in person.

Where can I apply for a TD vehicle loan?

TD auto financing is done through a dealer that works with TD Auto Finance.

How can I contact TD Bank about my auto loan?

You can reach out to the bank at 1-800-556-8172 for inquiries about auto loans.

Will applying for a car loan with TD affect my credit score?

Applying for auto loans will need a hard credit check from TD Auto Finance. Since this will appear on your credit report, it will then lower your credit score for a short period. But you can work on building your credit by paying your loans.

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Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.