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TD Auto Finance review

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

  • Best for a smooth repayment process.
  • Pick something else if you need your lien-free title immediately.
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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 – 3 of 3
Name Product Filter Values Minimum credit score APR Loan term Requirements
PenFed Auto Loans
Starting at 5.19%
3 to 7 years
Active membership with PenFed
One of the largest national credit unions in the U.S., it offers new and used auto financing with transparent low rates.
Varies depending on the lender
3 to 6 years
Varies depending on the lender
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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Review by

Kimberly Ellis is a personal finance writer at Finder, specializing in banking and financial literacy. After teaching in public and private schools, Kimberly zeroed in on personal financial education to help families and kids develop lifelong money skills. She hails from New York City, graduating summa cum laude from Queens College with a BA in elementary education and mathematics, as well as a New York State teaching certificate. She’s also an aspiring polyglot, always in a book and forever on the hunt for the perfect classic red lipstick.

Expert review

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.

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