Auto Loans
Don’t let financing stop you from getting places! Let TCU be your source for new and used car loans. Looking for the best rates? We offer competitive rates and flexible terms tailored to your specific needs.
Toy Loans
Boats, RVs, ATVs, Snowmobiles and so much more…
Sun or Snow, we are here to help bring the fun. Whether new or new to you, we want to ensure you make the most of every season.
Personal Loans
Whether in a bind or need a little extra. Check out our unsecured consumer loans.
Preferred Partners
Here at TCU, we value our local partnerships and make it simple to find the right vehicle or toy with our Preferred Partnership Program.
Auto Dealerships
Broadmoor Motor Group
Locations in Middleville, Hastings and Wayland
Middleville Phone: 269-205-2613
Hastings Phone: 269-320-6304
Wayland Phone: 269-397-2400
Looking for something other than a ride? Check out our other Partners
Have a business and interested in becoming a Preferred Partner?
Auto Loans
Rates starting at
6.00%
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person contact the branch at 269-948-8369
Auto Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected.
- GAP Plus insurance
- Mechanical Repair Coverage – Essential Protection against Unexpected Costs.
- E-Titles (see below
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- Paystubs must include: name, dates, company name, tax breakdown, and pay breakdown- hours/salary
- Previous job history for two years, name of employer and start and end dates.
- Sales Agreement if purchasing from a dealership.
- If purchasing from a private party:
- Copy of the title
- A photo of the vehicle
- For 2014 and older, a video of it running with the VIN in the video.
- Mileage of the Vehicle
- Vehicle Insurance Provider
- 3 references: name, address, and phone number
Toy Loans
Boats, RVs, ATVS, Tractors, Snowmobiles, etc
Rates starting at
8.25%
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person contact the branch at 269-948-8369
Toy Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected.
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- What payment range would you like to stay in?
- Previous job history for two years, name of employer, and start and end dates.
- Sales Agreement if purchasing from a dealership.
- If purchasing from a private party:
- Copy of the title (if applicable)
- A photo of the item
- Mileage of the Vehicle (if applicable)
- Vehicle Insurance Provider (if applicable)
- 3 references: name, address, and phone number
Personal Loans
Rates starting at
6.00%
*All rates are subject to change at any time. All rates are listed as APY.
To set up an appt in person contact the branch at 269-948-8369
Personal Loan Features
- Debt Protection with Life Plus – Safeguard against the unexpected.
Documentation Needed:
- Paystubs within the last 30 days for all individuals on the loan
- What payment range would you like to stay in?
- Previous job history for two years, name of employer, and start and end dates.
- What you are using the funds for.
- 3 references: name, address, and phone number
What you need to know about E-Titles
Thornapple Credit Union’s ELT number is LH029824.
- All titles issued on or after October 1, 2023, in Michigan with a lienholder will be electronic, regardless of what financial institution they are financed with.
- Mailed physical titles take an extended time frame to be delivered. It can take 2-3 weeks to receive a paper title from the Secretary of State by mail. If you need your title sooner, instantly, or on the same day, title service is available at all Secretary of State offices for a fee. TCU’s lien is released on titles 5 business days after receiving the payoff by check, or the next day if paying off with cash.
- If the title to the vehicle being purchased is electronic, you will not have a physical title at the time of sale.
- The State of Michigan suggests that you, as the seller, draft a Bill of Sale between you and your buyer that includes the vehicle information and the terms of the sale.
- If you sell your current vehicle with an electronic title and have an outstanding loan with TCU, the buyer may ask for a copy of your title.
- Once the buyer’s transaction pays the loan in full, the Michigan Department of State (MDOS) will print and mail the free-and-clear title to you.
- When you receive the title, you will sign as a seller and provide the paper title to your buyer. The buyer will take the signed title to the Secretary of State to transfer ownership.
| Loan Type | Rates as low as | Terms & Information |
|---|---|---|
| New Title Vehicles 12-42 month » | 5.25% | New Titled Vehicles 12-42 month |
| New Titled Vehicle 43-66 Mo » | 5.5% | New Titled Vehicle 43-66 Mo |
| New Title Vehicle 67-90 Mo » | 5.975% | New Title Vehicle 67-90 Mo |
| New Titled Vehicles 91-102 » | 6.25% | New Titled Vehicles 91-102 |
| 2025-2022 Titled Vehicle 12-42 » | 5.75% | 2025-2022 Titled Vehicles 12-42 months |
| 2025-2022 Vehicle up to 66 mo » | 6% | 2025-2022 Titled Vehicles 43-66 months |
| 2025-2022 Vehicles up to 90 mo » | 6.25% | 2025-2022 Titled Vehicles 67-90 months over $12,000 |
| Vehicles 2016-2021 for 42 mos » | 6.25% | Used Vehicles 2016-2021 12-42 months |
| Vehicles 2016-2021 for 66 mos » | 6.5% | Used Vehicles 2016-2021 43-66 months |
| Vehicles 2015-2020 for 90 mos » | 6.75% | Used Vehicles 2015-2020 67-90 months over $12,000 |
| Vehicles 2010-2015 up to 42 mo » | 8% | Used Vehicles 2010-2015 12-42 months |
| Vehicles 2010-2015 up to 66 mo » | 8.25% | Used Vehicle 2010-2015 43-66 months |
| Vehicles 2010-2015 up to 78 mo » | 8.5% | Used Vehicles 2010-2015 67-78 months over $12,000 |
| Vehicles 2016-2021 up to 10 mo » | 7% | Used Vehicles 2016-2021 91-102 months over $30,000 |
| 2025-2022 Vehicles 93-102 mo » | 6.5% | 2025-2022 Titled Vehicles 93-102 months over $30,000 |
| New Untitled Vehicles 12-60 mo » | 8% | New Untitled Vehicles 12-60 months |
| Used Untitled Vehicles 12-60mo » | 9% | Used Untitled Vehicles up to 60 Months |