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TD Bank Auto Loan is trending in 2025 as one of the most trusted and flexible car financing solutions for US and Canadian buyers. With a vast dealer network, competitive rates, and strong customer service, TD Auto Finance stands out for both new and used vehicles, including private sales and recreational vehicles. This guide covers everything: news, rates, reviews, application, payment options, refinancing, and what makes TD Bank a top choice for car buyers.
TD Auto Finance: Official Site & Loan Options
📰 2025 News: Awards, Dealer Network, and Market Performance
🏆 JD Power Award Winner: In 2025, TD Auto Finance received the highest score in both the retail non-captive non-prime and prime segments in the J.D. Power Dealer Satisfaction Survey, marking its 8th consecutive year of recognition.
📈 Loan & Deposit Growth: TD Bank reported robust growth in auto loans and deposits, with loan volume and dealer partnerships expanding nationwide. The bank’s focus on digital experience, client service, and operational efficiency remains strong.
💬 CEO Statement: “TD delivered strong results this quarter, with robust trading and fee income in our markets-driven businesses as well as deposit and loan growth in Canadian Personal and Commercial Banking,” said Raymond Chun, Group President and CEO, TD Bank Group.
TD Car Loans: Features, Benefits & Dealer Locator
📈 Loan & Deposit Growth: TD Bank reported robust growth in auto loans and deposits, with loan volume and dealer partnerships expanding nationwide. The bank’s focus on digital experience, client service, and operational efficiency remains strong.
💬 CEO Statement: “TD delivered strong results this quarter, with robust trading and fee income in our markets-driven businesses as well as deposit and loan growth in Canadian Personal and Commercial Banking,” said Raymond Chun, Group President and CEO, TD Bank Group.
📊 TD Bank Auto Loan Basics: Rates, Terms, and How It Works
💸 Rates: TD Bank auto loan rates typically range from 4.4% to 8.8%, depending on your credit, loan amount, term, and vehicle type. Both fixed and variable rates are available.
🕒 Loan Terms: Repayment terms are flexible, up to 96 months (eight years) for new and used vehicles. Shorter terms mean higher payments but lower overall interest; longer terms mean lower payments but higher total cost.
🚘 Eligible Vehicles: New and used cars, trucks, SUVs, motorcycles, RVs, and even privately sold vehicles are eligible. TD also offers special programs for newcomers and those rebuilding credit.
🔄 Repayment: Choose from monthly, weekly, or bi-weekly payments. You can pay off your loan early without penalty. Interest is calculated daily on the outstanding principal.
💳 Payment Options: Pay online, by phone, by mail, or in person. AutoPay and flexible payment schedules are available.
TD Vehicle Loan Calculator & Payment Options
🕒 Loan Terms: Repayment terms are flexible, up to 96 months (eight years) for new and used vehicles. Shorter terms mean higher payments but lower overall interest; longer terms mean lower payments but higher total cost.
🚘 Eligible Vehicles: New and used cars, trucks, SUVs, motorcycles, RVs, and even privately sold vehicles are eligible. TD also offers special programs for newcomers and those rebuilding credit.
🔄 Repayment: Choose from monthly, weekly, or bi-weekly payments. You can pay off your loan early without penalty. Interest is calculated daily on the outstanding principal.
💳 Payment Options: Pay online, by phone, by mail, or in person. AutoPay and flexible payment schedules are available.
📝 Application Process, Pre-Qualification & Dealer Network
📝 How to Apply: TD Auto Finance is an indirect lender—you apply for a TD auto loan through a participating dealership, not directly online. Bring proof of income, government-issued ID, and banking information to the dealer.
🔍 Pre-Qualification: Some dealers offer pre-qualification tools so you can estimate eligibility and loan amount without impacting your credit score. Final approval requires a full credit application at the dealership.
🗺️ Dealer Locator: Use TD’s dealer locator to find a participating dealership near you. TD has one of the largest dealer networks in North America, making it easy to finance at the point of sale.
💡 Private Sale Vehicle Loans: If you’re buying from a private seller, TD offers loans with flexible terms and competitive rates. You can apply for the amount you need and create a repayment schedule that fits your budget.
TD Auto Finance for Newcomers & Credit Rebuilders
🔍 Pre-Qualification: Some dealers offer pre-qualification tools so you can estimate eligibility and loan amount without impacting your credit score. Final approval requires a full credit application at the dealership.
🗺️ Dealer Locator: Use TD’s dealer locator to find a participating dealership near you. TD has one of the largest dealer networks in North America, making it easy to finance at the point of sale.
💡 Private Sale Vehicle Loans: If you’re buying from a private seller, TD offers loans with flexible terms and competitive rates. You can apply for the amount you need and create a repayment schedule that fits your budget.
💬 Customer Reviews, Pros & Cons, and Real-World Experiences
👍 Pros:
TD Bank Auto Loan Reviews & Comparison
- Competitive rates and flexible terms
- Large dealer network and easy approval at point of sale
- Options for new, used, and privately sold vehicles
- Good for borrowers with strong or rebuilding credit
- No prepayment penalties
- Multiple payment options and schedules
- Strong customer service and award-winning dealer satisfaction
- Cannot apply directly online for most loans (must go through a dealer)
- Rates and terms not disclosed online—must negotiate at dealership
- No refinancing of existing TD auto loans
- Dealer markup can affect your final APR
- Eligibility requirements may be stricter than some online lenders
- Shop around and get preapproved offers from other lenders before visiting the dealer
- Negotiate your rate and loan terms at the dealership
- Ask about special programs for newcomers, credit rebuilders, and private sales
- Use the TD Vehicle Loan Calculator to estimate payments and affordability
📞 Customer Service, Support & Contact Info
☎️ Contact TD Auto Finance: For questions or support, call 1-866-694-4392 (Canada), 1-888-751-9000 (US), or visit your local TD branch. Customer service is available 24/7, and you can use the TD app for account management, payments, and support.
🧾 Account Management: Log in to EasyWeb or the TD app to view loan details, make payments, and manage your account. You can also set up AutoPay or change payment frequency.
💬 Dealer & Commercial Support: Dealers can call 1-800-556-8172 for commercial auto finance support.
TD Bank Contact & Support Resources
🧾 Account Management: Log in to EasyWeb or the TD app to view loan details, make payments, and manage your account. You can also set up AutoPay or change payment frequency.
💬 Dealer & Commercial Support: Dealers can call 1-800-556-8172 for commercial auto finance support.
©️ 2025 | TD Bank Auto Loan: Complete Guide for US Car Buyers
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