TD Auto Loans: Your Dealership Partner

TD Auto Loans gives you the power to finance your vehicle at the dealership in one smooth transaction, supported by a stable banking institution. 

Buying a car should be exciting—not stressful. With TD Auto Finance, you get the assurance of a large North American bank matched with convenient dealership financing. TD works with over 6,000 partnered dealers across the U.S., allowing you to handle both the car purchase and loan in one seamless step  .

Think of TD as a trusted co-pilot in your auto shopping journey—bringing solid financial backing and dealership convenience together for a simplified experience.

🚗 What TD Auto Loans Offers You

• Dealer-Based, All-in-One Financing
  Apply through a car dealer and walk away with your new vehicle and loan wraps at once 
• Flexible Payment Options
  Pay however you prefer: online, by phone, by mail, in person, or with autopay—TD lets you choose  
• Pre‑Approval Advice Recommended
  TD doesn’t share rates online. It’s smart to get pre-approved elsewhere first so you can compare what dealers offer you  
• Opts Between Auto and Personal Loans
  In addition to typical auto loans, TD also offers personal loans ranging from $2,000–$50,000—handy for repairs or small purchases  
• High Dealer Satisfaction Ranking
  TD earned a J.D. Power award for top dealer satisfaction in both prime and non‑prime segments  

💡 What You Should Know Before Applying

1. Dealer-Only Access
   You can’t apply directly online—TD works through partnering dealers .
2. APR and Terms Are Case-by-Case
   TD doesn’t advertise fixed rates or eligibility limits. These will vary based on your credit and the dealership  
3. Dealer Markups May Apply
   Dealers can mark up your APR by 1–3% to earn a profit, so always compare offers and watch for hidden fees  
4. Indirect Refinance via Dealer
   You can refinance through TD—but only by visiting a dealer—not directly online 
5. Operational Complaints Exist
   Some customers report billing issues such as misreported payments or difficult title release after payoff—worth watching

📝 How TD Financing Works — Step-by-Step

1. Visit a Participating dealership
   Ask if they offer TD Auto Finance for your purchase.
2. Provide details and apply
   Share your driver’s license, income proof, credit info, and car specs.
3. Dealer submits application
   Dealer sends your information to TD, handling the credit pull and loan processing.
4. Review and sign your loan offer
   Look at APR, term length, and any dealer fees or markups before approval.
5. Drive away with your car
   Once approved, fall into manageable monthly payments via TD.
6. Flexible payment management
   Use online, phone, mail, branch, or autopay strategies to keep current  .
7. Refinance through dealer later
   If interest rates drop or your credit improves, return to a dealer to refinance with TD .

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