When it comes to buying a car, you want a process that’s clear, flexible, and supported by a name you trust. That’s where TD Auto Finance comes in. As part of TD Bank, this financing program works directly with dealerships across the U.S. to make auto financing easier—whether you’re buying new or used.
Instead of juggling banks and forms, TD lets you handle financing directly at the dealership. They offer competitive terms, flexible repayment options, and a customer support network backed by one of the most recognized banks in North America. Whether this is your first car or your next upgrade, TD Auto Finance is ready to meet you where you are.
🔍 What Makes TD Auto Finance Stand Out
- Easy to find dealers – Use TD’s dealer locator to find a participating dealership nearby
- Wide financing options – Offers retail auto loans, personal loans for vehicles, and small-business vehicle financing
- Flexible payment methods – Pay online, by mail, phone, at a branch, or enroll in AutoPay
- Choice of fixed or variable rates – Tailor your loan with flexible terms up to 96 months and rate types matching your preference
- No penalty for partial pay-off – Extra lump-sum payments allowed without fees
- Rewards available – TD checking account holders may qualify for personal loan discounts; strong dealership satisfaction recognized by J.D. Power
🧾 What You Should Know Before You Start
- Dealer-controlled rates and terms – You must finance through a dealership, and the dealer may mark up APR
- No direct online auto loan – Pre-approvals and rates aren’t available directly online—they require a dealer application
- Rates not displayed publicly – Expect to compare offers with other lenders, since TD doesn’t publish APRs
- Customer service concerns – Some borrowers have noted delays and issues with servicing
🚗 How the Process Works — Step by Step
- Visit a participating dealer
Start your car search at a dealership that works with TD Auto Finance. - Apply for financing right there
The finance manager submits your application through TD. - Review the loan offer
Check the loan amount, interest rate, and terms presented by TD. - Sign the paperwork
Finalize the deal at the dealership and drive your new car home. - Set up your payment plan
Choose how you want to pay—online, by phone, or in person. - Stay on track with AutoPay
Enroll in automatic payments for peace of mind and on-time payment history.
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