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TD Auto Finance review

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TD Auto Finance

Our verdict

Car loans with multiple repayment options — but customer service can be hard to pin down.

TD Auto Finance is a good option for customers that have a straightforward situation and can pay on time. Its auto loans are only available through select dealerships, so you won't be able to apply for financing or check your rates ahead of your visit.

And borrowers that need to get in touch with the company may face excessively long hold times and poor customer service. For a lender you can go to directly to prequalify before you start negotiating, compare a few other auto lenders.

In this guide

  • Our verdict
  • Your reviews
  • Ask a question

First, am I eligible?

To be eligible for an auto loan with TD Auto Finance, you need to be:

  • At least 18 years old
  • A US citizen or permanent resident

What types of car loans does TD Auto Finance offer?

TD Auto Finance partners with local auto dealerships across the country to provide financing options for cars and trucks.

Pros and cons.

  • Automatic payments available
  • Payments can be made online, by mail, over the phone and through CheckFreePay processor
  • Emergency payment relief assistance available on a case-by-case basis
  • Reported problems with receiving titles after loans are paid off
  • Overpayment refunds can take 30 days or more
  • Customer service hold times can reach over an hour

See more car loan options

Use the table below to compare auto lenders that you may be able to prequalify with.

1 – 4 of 4
Name Product Filter Values Minimum credit score APR Loan term Requirements
LightStream Auto Loans
Good to excellent credit
2 to 7 years
Must have a good to excellent credit profile, be a US citizen or a permanent resident with a valid green card, have a valid Social Security number, credit card verification requested upon loan approval and have a valid US address.
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
Go to site
CarsDirect auto loans
No minimum credit score
Varies by network lender
Must provide proof of income, proof of residence, and proof of insurance.
Save time and effort with this lending service specializing in beginner-friendly or subprime car loan.
No minimum credit score
3.9% to 27.9%
1 to 6 years
18+ years old, annual income of $4,000+, no active bankruptcies
Get pre-qualified for used car financing and receive competitive, personalized rates.

TD Auto Finance reviews and complaints?

BBB accredited Yes
BBB rating A+
BBB customer reviews 1.1 out of 5 stars, based on 79 customer reviews
BBB customer complaints 239 customer complaints
App Store Score 4.8 out of 5 stars, based on 168,947 customer reviews
Google Play Score 4.4 out of 5 stars, based on 60,116 customer reviews
Customer reviews verified as of 19 October 2020

You won’t find much in the way of online customer reviews for TD Auto Finance. But as of October 2020, the past two years of reviews don’t have a single above 2 stars. Customers express frustration over payments being reported as late, customer service and issues with getting titles.

How do I apply?

You can find an auto dealer near you that offers auto loan options with TD Auto Finance on its website. Follow these simple steps:

  1. Go to the TD Auto Finance website.
  2. Click Find a dealer.
  3. Enter your address or ZIP code and click the magnifying glass.

What documents do I need to apply?

You’ll likely need to provide the following documents with your application:

  • Government-issued ID, such as a driver’s license
  • Recent tax returns
  • Bank statements
  • Recent pay stubs

How do repayments work?

Once you’ve financed your car with TD Auto Finance, you’ll need to start paying off your loan. TD Auto Finance offers several repayment options, including automatic payments. Set up automatic monthly payments from your personal checking account so you can pay our bill on time and avoid late fee penalties.

If you have any questions about your payments or loan, reach out to a customer service representative by calling 800-556-8172.

Check out our guide to car loans for other fees to look out for.

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