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TD Auto Finance review

Last updated:  

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.

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.

Data indicated here is updated regularly

Name Product Filter Values Minimum credit score APR Loan term Requirements
Carvana
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.
car.Loan.com Car Loans
300
Varies by network lender
Varies by lender
Must be a US citizen with a current US address and employed full-time or have guaranteed fixed income.
Apply with a simple online application to get paired with a local auto lender. No credit and bad credit accepted.
CarsDirect auto loans
Varies by network lender
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.
Auto Credit Express Car Loans
300
Varies
Varies
Must be employed full-time or have guaranteed fixed income of at least $1,500/month and be a current resident of the US or Canada.
Get connected with an auto lender near you, even if you have bad credit.
Monevo Auto Loans
500
3.99% to 35.99%
3 months to 12 years
Credit score of 500+, legal US resident and ages 18+.
Quickly compare multiple online lenders with competitive rates depending on your credit.
LightStream Auto Loans
Good to excellent credit
Competitive
2 to 7 years
Good or excellent credit, enough income or assets to afford a new loan, US citizen or permanent resident, 18+ years old
Quick car loans from $5,000 to $100,000 with competitive rates for borrowers with strong credit.
LendingTree
Good to excellent credit
Starting at 3.09%
Varies by lender
18+ years old, good to excellent credit, US citizen
Compare multiple financing options for auto refinance, new car purchase, used car purchase and lease buy out.
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Compare up to 4 providers

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.

Expert review

Kimberly Ellis

Review by


Kimberly Ellis is a writer at Finder. She hails from New York City with a BA from Queens College and a New York State teaching certificate. After teaching in both public and private schools, Kimberly decided to take the world by storm and dive into the media industry — where she covers everything from home loans and investing to K–12 education and shopping. 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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