TD Auto Finance Guide

Looking for a reliable loan from the dealership without endless paperwork? TD Auto Finance helps you drive away with confidence and control.

Big banks like Wells Fargo or PNC offer offline auto loans with secure, standardized structures. TD matches this reliability but adds dealer flexibility—custom terms up to 96 months, award-winning dealer satisfaction, and digital services like managing your loan through the TD Wheels app. 

Online platforms such as Capital One’s Auto Navigator, LightStream, and myAutoLoan allow you to explore rates and lenders quickly via soft-credit checks. While they shine in convenience and transparency, they don’t offer dealer-integrated workflows. With TD, your loan is delivered directly through the dealer—complete with app-based management and in-person support, blending digital ease with on-the-ground assistance.

Here’s how it typically flows:

• You choose a participating dealer—TD works with over 6,000 across the U.S. 
• The dealer’s F&I manager inputs your info and initiates a credit review—decisions often come within minutes. 
• Choose loan terms—fixed duration up to 96 months, with payment options ranging from one-time online payments to AutoPay, mail, phone, or branch visits. 
• Use the TD Wheels app to view your balance, adjust payments, and make lump-sum payments without penalty. 
• Enjoy peace of mind—TD even offers extensions or payoffs structured around your needs. 

TD offers personal loans in many states ($2K–$50K over 36–60 months), but they often carry higher APRs and shorter terms. Its vehicle-secured auto loans are more cost-effective for car purchases and come tailored with dealer-based workflows, flexible app features, and longer amortization.

Both create convenience by financing at the lot, but they differ sharply in structure. Buy-Here-Pay-Here often comes with high interest, weekly payments, and unclear terms. TD, however, provides transparent monthly payments, full reporting to credit bureaus, and support backed by a reputable institution.