TD Auto Finance: A Full‑Service Auto Loan

TD Auto Finance offers a smooth dealership-backed loan experience with flexible payment options. 

With TD Auto Finance, you can finance your vehicle directly at the dealership—backed by the strength and stability of one of North America’s most trusted banks. This streamlined approach means you get the convenience of securing financing where you buy your car, without sacrificing the competitive rates and customer service you’d expect from a leading financial institution. 

It’s like combining the speed of dealer financing with the long-term security and support of TD Bank, giving you peace of mind, flexible terms, and a smoother road ahead—whether you’re buying new or used.

What Makes TD Auto Finance Worth Considering

• Dealer-Based Convenience
  Apply right at the dealership and drive away—no branches, no separate lender visits.
• Flexible Payment Options
  Pay online, by mail or phone, in person, or set up autopay—whatever fits your lifestyle.
• Personal Loan Alternative
  For simpler needs, TD also offers personal loans ($2,000–$50,000), though APRs are usually higher.
• Dealer Satisfaction Award-Winner
  Recognized by J.D. Power for great dealer experience in both prime and non-prime segments.

Things to Know Before You Apply

1. Dealer-Based Only
   You must apply through a TD‑partnered dealership—you can’t apply directly online.
2. APR and Terms Vary
   TD doesn’t publish rates—they depend on your credit and dealer markup (typically +1–3%).
3. Credit Pull by Dealer
   Your rate is finalized with a hard credit inquiry once the dealer submits your application .
4. Vehicle & Loan Limits
   Models up to 10 years old or 120,000 miles are eligible, with a $4,000 minimum loan.
5. Title-Release Warnings
   A number of borrowers report delays in getting their title after payoff, as TD may hold it for up to 30 days.
6. Customer Service Concerns
   Reviews on WalletHub, Trustpilot, and BBB mention slow responses, billing errors, and paperwork frustrations.

Step-by-Step: How TD Auto Financing Works

1. Choose a TD-Approved Dealer
   Ask your salesperson if they work with TD Auto Finance.
2. Select Your Vehicle and Apply at F&I
   Provide your information—credit history, income, vehicle details—so the dealer can run your application.
3. Dealer Sends Application to TD
   TD processes it, applies any dealer markup, and finalizes terms.
4. Review and Sign Offer
   Review your loan carefully—check APR, term length, payment schedule, and any extra fees.
5. Drive Off With Confidence
   Once approved, take your new or new-to-you car home.
6. Keep Up Payments
   Make payments online, by phone, mail, or autopay. Follow up if payoff is near—title release may take up to 30 days.
7. Post-Payment Next Steps
   You’ll need to request your lien-release once your loan is paid off to complete title transfer.

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