Auto Loans
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Last Updated: 04/18/2025
SuperMoney User Recommendation Score -87
Strongly not recommended38 total votes
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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 penalty 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -87, or 1.3 on a 5-point rating scale.
-87
-1000+100
No one recommends
Everyone recommends
TD Auto Finance Community Reviews
Would you recommend TD Auto Finance to your friends?
KC
Kuldeep C.
Nov 28, 2023
May or may not recommend
I have paid in early installments and in my statement it shows now
Nov 20, 2023 $517.47 PAYMENT Completed
Nov 20, 2023 $500.00 PRINCIPAL Completed
Oct 2, 2023 -$652.78 INCREASE ACCRUAL ADJ Completed (looks like they took my money)
Calling them and asking them what it is? NO ONE RESPONDS
VG
Victor G.
Oct 31, 2023
May or may not recommend
I currently have an account with this bank, and they are constantly having trouble with their system, this last week I submitted a payment for $200 and they took out $600 instead and will not refund my money back. To change the payment date for my account they had to send me a letter and I had to sing it and send it back to them, they didn’t even pay ...Show More
SW
Sharon W.
Sep 22, 2023
May or may not recommend
Can’t get a title after payoff . After many telephone calls and runaround’s, . They say they sent the title to the insurance company which I did use for part of my payoff. However my very reputable insurance company has not received it. Payoff was 8/16/2023 . I am writing this 9/22/ 2023 and I have no clue how I will get it
MS
Mike S.
Jul 6, 2023
May or may not recommend
TD AUTO FINANCE IS A JOKE!!!
DO NOT USE THIS COMPANY FOR ANY LOAN!!!
THEIR WEBSITE DOES NOT WORK!!!
I TRIED SEVERAL TIMES TO SET UP AUTO PAY FOR MY LOAN AND WAS NEVER ABLE TO COMPLETE THE PROCESS!!!
THEN I CALLED AND SPOKE TO CUSTOMER SERVICE AND THEY REFUSED TO HELP ME SET IT UP!!!
I TALKED TO SEVERAL PEOPLE ON DIFFERENT DAYS, INCLUDING A SUPERVISOR, AND GOT NO HELP WHATSOEVER!!!
I'M BEGGING THESE PEOPLE ...Show More
RJ
Reynalda J.
May 4, 2023
May or may not recommend
I purchased a vehicle 10 months ago and TD auto finance picked up my loan to which I am grateful for. However, after 10 months of making a high payment ON time every month I run into a family emergency with having to bury my son from a tragic death I was THREE days past due on my payment and they DISABLED my car! I even called to let them ...Show More
CT
Cheyenne T.
Apr 25, 2023
May or may not recommend
They won't help you in any form. They have strict policies that are super dated. Still mailing lien releases. Won't email anything because of security purposes. They also use templates from 1805 that are not able to be altered for motor vehicle office. Long story short wasn't able to get a duplicate copy of my title and they didn't care to help.
U
Anonymous
Apr 7, 2023
May or may not recommend
Scammers and spammers. Once they get your telephone number, they wall call you non-stop. Every day, all day. With all the options out there, read the reviews of this bank and do..not..use TD
JP
Jolee P.
Mar 31, 2023
May or may not recommend
Pretty cool as long as your parent doesn't get cancer and die I guess. We were still making payments on the car, but I guess their cold hearts don't care. They said we could have the title name transferred, but now they refuse to talk to anyone, and they came and took my car.
MP
Mykhailo P.
Sep 14, 2022
May or may not recommend
Very bad experience,provide horrible service,ignoring questions.They added additional daily fee in my monthly payments,without my permission.First month they charge additional $65,second month $111
When I asked to send me copy of original contract,they said we will send you in a couple days,after 3 weeks I still didn’t received anything.TD auto finance manipulating with my payments,they do whatever they want to do.
Ii start looking for lawyers,and will ask to do full ...Show More
AD
Andrew D.
Jun 29, 2022
May or may not recommend
Definitely would not recommend TD Auto Finance. They lack customer service and will not apply additional payments correctly to your principal balance.
Melina M.
Jun 7, 2022
May or may not recommend
An agent from there company made a mistake on our lien release and they refuse to resolve it. I am a military member moving overseas and I explained the urgency - they simply do not care about their customers. I spoke with a “manager” by the name of Jessica Shipman and she said she could not help and would not get me someone on the line that could. She went ...Show More
JR
Jeanni R.
Jun 1, 2022
May or may not recommend
They are charging me 50. For an early payoff. Who does that? 2 years ago I ran into problems making my payment. I called them and they said they would forgive that month and add it at the end. But no. No one ever heard of this arrangement and continued to make my payments with them being delinquent for a year. This company is a shit show! Shame on this ...Show More
JC
Jamie C.
Mar 29, 2022
May or may not recommend
I am so pissed! We purchased a vehicle through a dealership and they set our loan up with TD Auto. We got a payoff quote through our online account that said it was good until 3/18/2022. I mailed the cashier's check on 3/8/2022. I sent it priority with tracking. As of 3/15 they still had not processed it. I sent a request to have it processed since the payoff amount ...Show More
WW
Walter W.
Jan 12, 2022
May or may not recommend
I SECURED AUTO FINANCING, PURCHASED 2018 KIA OPTIMA 2 YRS AGO, VERY GOOD RATE FOR MY CREDIT. NOW I RECOMMENDED MY FRIEND, IMARI YOUNG TO T.D. FOR $32,000 PURCHASE.
LP
Lisa P.
Jun 20, 2021
May or may not recommend
I had to let them repossess it because I couldn’t keep the payments. Now they want to take me to court for the entire balance. I could see for the three payments I missed but what f**** retard wants you to continue making payments for a vehicle you no longer possess. And the last representative I spoke to two days before they picked up my car demanded that I pull ...Show More
Gina C.
May 14, 2021
May or may not recommend
It takes forever to release the title after being paid off. New buyer has to sit on his new car for 6 weeks or more
Brendan M.
Dec 17, 2020
May or may not recommend
TD Auto Finance wound up with the paperwork from a long-since paid off lien from Chrysler Financial, on a car I paid cash for last year. Despite sending them proof of ownership 6 weeks ago, they still refuse to send me the lien release. I'm not the one who borrowed the money, and they're not the one who loaned the money, but they're still preventing me from getting plates back ...Show More
VJ
V J.
Dec 4, 2020
May or may not recommend
Never got a bill or the title after paying in full online. Dinky website. Many “clerical” errors. Don’t bother.
Bronx B.
Nov 8, 2020
May or may not recommend
I have been trying to get my Title for my car since 2018. They keep telling me they are sending it, but it never comes. Here I am almost 3 years after I paid off the vehicle and they just sent me the Title, but it's not signed by them. I still can't sell it or trade it in. I just called again and they said they are sending it, ...Show More
CH
Charles H.
Oct 2, 2020
May or may not recommend
This company added $213.00 to my balance and then reported it on my credit, I have made all of my payments on time or early. They just felt that I need to pay more money to them. I need anyone that has been ripped off by this predator lender and their fraudulent business practices to post here so we can generate a class action law suit and put this company ...Show More
Showing 20 of 38 reviews