TD Auto Finance: Financing That Fits Your Journey

TD Auto Finance offers a reliable and convenient way to finance your next vehicle—especially if you like keeping things simple at the dealership. 

Buying a car with financing can feel stressful—but TD Auto Finance makes it simpler. As the automotive loan division of TD Bank, they partner with over 6,000 U.S. dealerships, making it easy to finance a new or used vehicle at the point of sale. Whether you’re a longtime TD customer or new to the brand, TD brings big-bank stability combined with flexible options and in-branch support.

Why More Buyers Trust TD Auto Finance

• In-dealer financing – Apply and get approved right where you buy your car.
• A strong bank on your side – TD Bank’s backing means security and reliability.
• Options for various budgets – Choose from different term lengths and payment schedules.
• No prepayment penalties – Pay off early without getting charged extra.
• Flexible repayment methods – Use online payments, AutoPay, or visit a TD branch.
• Established reputation – TD is a top lender with thousands of dealer partnerships nationwide.

Is TD Auto Finance Right for You?

You may like TD Auto Finance if:

✅ You want a fast and seamless financing experience at the dealership

✅ You already bank with TD and trust their customer service

✅ You’re looking for flexible payment options

✅ You don’t want to deal with prepayment penalties

It may not be your best option if:

❌ You want to pre-qualify online ahead of time

❌ You prefer to negotiate rates directly with a lender

❌ You’re buying from a private seller or non-partnered dealer

What to Know Before Applying for a TD Auto Loan

• You’ll apply at a dealership – TD doesn’t offer direct-to-consumer auto loans online.
• Rates may vary – Your interest rate will depend on the dealership and your credit.
• APR isn’t advertised online – You’ll see your specific rate during the application process.
• Be ready with documents – Have your ID, income proof, and vehicle choice ready.
• Check your credit beforehand – This helps you understand the kind of rate you might qualify for.
• Compare other offers too – It’s smart to shop around to be sure you’re getting the best deal.

Step-by-Step: Financing a Car with TD

1. Find a participating dealer
   Use TD’s locator tool or ask at your local dealership  
2. Apply at the dealership
   Provide ID, income proof, employment details, and car info to start the loan process
3. Review offers and sign
   The dealer shares TD-financed loan options; choose one and complete the paperwork
4. Get your loan and go
   TD funds the dealer; you drive off while TD services the loan
5. Make payments your way
   Setup AutoPay, pay via the website, or visit a branch for flexibility