The reliability and service of TD Bank, a leading North American financial institution.
Access to TD Auto Finance loans through our extensive network of U.S. auto dealerships.
Convenient ways to pay your bill, including Autopay, online, by phone, or by mail.
24/7 access to your loan details, payments, and statements on our customer website.
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TD Auto Finance provides financing for new and used vehicles primarily through a nationwide network of participating U.S. auto dealerships. This is known as an “indirect” lending model.
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Once your loan is active, you can manage it anytime through our secure U.S. customer website. After a simple registration, you can make one-time payments or set up recurring Autopay, view your payment history and loan statements, check your principal balance and next payment due date, and update your contact information. This platform gives you complete control over your account, 24/7.
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Your auto loan with TD Auto Finance is typically a simple interest loan. This means interest is calculated daily on the outstanding principal balance. Making your payments on time each month is important.
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If you have questions about your existing U.S. auto loan, our customer service team is here to help. Whether you need assistance navigating the website, have a question about a statement, or want to discuss your payment options, you can contact us via the phone number listed on your monthly statement or on our website.
Leading Auto Loan Providers in the U.S.
- Capital One Auto Navigator: Perfect for online-savvy consumers, it allows shoppers to prequalify and browse inventory from thousands of dealerships—without dinging your credit score.
- Bank of America: Known for its low rates and fast-track digital applications, Bank of America is a strong pick if you’re financing a car from a dealer or a private seller.
- PenFed Credit Union: Offers ultra-competitive APRs and generous loan terms, making it a solid choice for military families and civilians alike.
- LightStream: This online-only lender offers same-day funding with no restrictions on vehicle type, ideal for buyers seeking non-traditional or private-party car purchases.
- TD Auto Finance: Backed by a global banking brand, TD provides personalized vehicle financing through dealerships with a strong focus on service, support, and reliability.
Traditional Lending Through Banks
Major banks like Chase or Bank of America offer predictable auto loans with fixed rates and long-term relationships, but they require borrowers to manage the process themselves. TD Auto Finance simplifies things by working directly with dealerships, meaning you can apply for financing at the point of purchase, with no need to coordinate separately with a bank.
TD Auto Finance: Financing Through Your Dealership
TD Auto Finance partners with a wide network of U.S. dealerships to offer car loans during the purchase process. You won’t apply online—your loan is handled on-site at the dealership. TD offers competitive rates, flexible terms, and options tailored to your credit profile and vehicle type.
Auto Loan Marketplaces & Online Lenders
Online lenders like Carvana, Autopay, and myAutoLoan offer fast approvals and digital convenience—but they leave you to handle all the details. With TD Auto Finance, your dealership walks you through financing, often offering incentive-based promotions or rates tied to vehicle models. It’s a smarter choice if you prefer personalized help and don’t want to manage multiple online loan offers.
Financing with Personal Loans (No Collateral)
Personal loans may be useful for private sales or classic car purchases, but they come with higher rates and fewer protections. Unlike unsecured personal loans, TD Auto Finance loans are secured by your vehicle, helping you qualify for lower interest rates and offering support services like GAP insurance and structured loan management—all through your dealership.
In-House Financing at Buy Here Pay Here Lots
Buy Here Pay Here lots offer fast approvals, but with very high APRs, limited vehicle choices, and rigid terms. In contrast, TD Auto Finance serves a wide range of credit profiles through franchised dealerships and offers more favorable loan terms, better vehicles, and customer-first repayment options.
How TD Auto Finance Affects Your Credit and Finances
Financing your car with TD Auto Finance means more than just driving off the lot—it affects your credit and long-term finances. Making consistent payments builds your FICO score and improves your DTI ratio. TD also makes loan management simple with online tools, auto-pay options, and helpful customer support. And when rate shopping, your credit is protected—multiple inquiries in a short timeframe count as one. Add-on protections like GAP insurance help safeguard your investment from the unexpected.
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Debora Roque
A credit card expert, she utilizes her expertise to create informative content on credit cards, empowering others with financial knowledge.
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