Last Updated: 04/18/2025
SuperMoney User Recommendation Score -87
Strongly not recommended38 total votes
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Highlights
Community Rating
Strongly not recommended
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TD Auto Finance Review
TD Auto Finance is offered by TD Bank, a bank founded in 1855 and based in Wilmington, DE. TD Auto finance are available in 50 states and Washington, DC.
TD Auto finance FAQ
What APR does TD Auto finance offer on its car loans?
TD Auto finance offers a fixed apr car loan product but they do not disclose their rates.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
Does TD Auto finance charge an origination fee?
Yes, TD Auto finance may charge a loan origination fee .
Does TD Auto finance charge a late fee?
Yes, TD Auto finance charges borrowers with a late payment penatly fee
Does TD Auto finance charge prepayment fees?
Yes, TD Auto finance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my TD Auto finance loan?
Yes, you can. However, TD Auto finance charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for TD Auto Finance?
TD Auto Finance does not require or does not disclose a credit score minimum. TD Auto Finance does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by TD Auto Finance.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Government issued photo ID
- Proof of identity
- Proof of residence
- References
Does TD Auto Finance report your account activity to credit bureaus?
Yes, TD Auto Finance reports to the following credit bureaus:
- Equifax
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does TD Bank perform a hard credit pull?
Yes, TD Auto finance performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is TD Bank savings accounts a legit company?
TD Bank savings accounts was founded in 1855, it is a well-established company that has been in business for 171 years. TD Auto Finance is strongly not recommended by SuperMoney community users.
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Message from TD Auto finance
Message from our editor
What we love about TD Auto Finance
TD Auto Finance is one of the top bank-owned auto financing companies in the United States. It has a lot of experience with providing auto financing offers and it typically has competitive interest rates and fees. It also offers a simple and clear repayment process. It also offers the option to transfer your vehicle to another creditworthy person if you’re unable to continue making payments, making it easy to transfer your car to someone else.
What could TD Auto Finance do better?
TD Auto Finance isn’t perfect. One of its biggest issues is that it often has trouble providing titles to car owners once they finish paying off their loan. If you want to get your car’s title quickly after finishing repayment, TD might not be the right choice.
TD Auto Finance also has some issues with customer service. The customer service line is open Monday through Saturday and closed on Sundays, but call wait times can sometimes exceed an hour, making it difficult to get help when you need it. You may have more luck sending messages through your account portal and waiting for a written response.
TD Auto Finance‘s backstory
TD Bank is the subsidiary of the Canadian Toronto-Dominion Bank. It was founded in 1852 and mainly serves the Eastern United States. TD Auto Finance is owned by TD Bank. Formerly Chrysler Financial, TD Auto Finance was acquired by TD Bank in 2010 and now serves 25 million customers worldwide.
The Verdict
TD Auto Finance isn’t the best auto lender on the market, but there’s no reason that you shouldn’t consider it. Whenever you’re making a financial decision it’s in your best interest to shop around for the best deal. TD Auto Finance is worth including in your comparison shopping.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed