TD Auto Finance Florida


Owning a vehicle can be a significant expense, and financing it can add even more burden to your budget. But what if there’s a way to save money on your auto loan and make your financial journey smoother? we understand the importance of saving money and can help you do just that. At Debt Relief Law Center, our team of experienced professionals is here to guide you every step of the way, from selecting a loan to signing documents. We’ll explain all the details so you’ll understand exactly how your auto loan works and what it will cost.

It’s essential to have a clear understanding of your loan terms and conditions before diving into a new financial commitment. With this knowledge, you can make informed decisions that can potentially save you money in the long run and improve your overall financial well-being. So let’s get started on this exciting journey to financial freedom!

Short summary

  • TD Auto Finance in Florida offers competitive auto loans to customers with good credit and a stable monthly income.
  • Understanding the payment options, terms of the TD Auto Finance Florida loan, and potential savings from refinancing can help save money on your loan.
  • Proactive communication with TD Auto Finance may prevent late fees or repossession while improving credit score is also possible through regular payments and disputing errors on reports.

TD Auto Finance in Florida: an overview

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TD Auto Finance is a leading indirect auto financing company. It provides vehicle loans through car dealerships across the country. As a subsidiary of TD Bank, they offer competitive auto loans specifically for customers in Florida. Their target market comprises customers with good credit and a stable monthly income, offering an average interest rate of around 8%.

However, it’s important to note that TD Bank’s auto loan service, formerly known as Chrysler Financial, has received mixed reviews, with numerous negative reviews citing inadequate customer service and opacity. Some customers have even experienced difficulty obtaining final title documents and criticized TD Auto Finance for not reporting payoffs to credit agencies, which can affect their monthly payment history.

TD Auto Finance’s relationship with dealerships

Collaborating with car dealerships, TD Auto Finance provides indirect auto loans in the US from Canada. This strong association benefits both parties: the dealerships and their customers. TD Auto Finance has Dealer Relationship Managers who work closely with dealerships to help them make the most of TD Auto Finance’s product offerings.

For customers, this close relationship between TD Auto Finance and dealerships translates to competitive loan rates, flexible payment options, and access to a wide array of products and services. Thus, securing a loan through TD Auto Finance and a dealership can be a convenient and beneficial experience for the buyers.

TD Auto Finance’s target market

TD Auto Finance primarily caters to customers with good credit, but it’s essential to be aware that reviews are varied. While they don’t have a specific credit score requirement for taking out an auto loan, lenders generally accept a standard credit score range between 550 and 850.

Mixed reviews indicate that TD Auto Finance may not be the most competent or consumer-friendly source of auto financing. In light of this, it’s crucial to carefully consider and weigh your options before committing to a loan with TD Auto Finance or any other lenders.

Understanding your TD Auto Finance Florida loan

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Before signing up for a loan, it’s imperative to comprehend the loan terms and conditions, including down payment options. By understanding these aspects, you can make informed decisions and avoid any potential pitfalls in your financial journey.

Various payment options are available for TD Auto Finance Florida loans, giving customers the flexibility to choose the method that best suits their needs and preferences. You can check your TD Bank auto loan balance on the company’s website by logging in to your account and clicking the Payment History tab, or by obtaining a copy of your billing statement.

Loan terms and conditions

TD Auto Finance Florida loan, also known as a TD Auto Loan, is designed to assist customers in the state of Florida in financing their vehicle purchases. The loan offers a selection of payment options, including online payments, automatic payments, and in-person payments, catering to the diverse needs of the customers.

Moreover, refinancing options are available for those who wish to decrease their monthly payments or total loan amount. By refinancing your loan, you can benefit from lower interest rates and more favorable terms, ultimately saving money in the long run.

Payment options

TD Auto Finance Florida loan payments can be made online with a personal checking account, or with a debit card or ATM card bearing the Star, Pulse, or Nyce logos. Alternatively, payments can be made by visiting a Toronto Dominion Bank (TD Canada Trust) branch or by sending a cheque or draft to TD Auto Finance.

These various payment options provide convenience and flexibility to customers, ensuring that they can effortlessly manage their loan payments and maintain a positive relationship with their lender.

Refinancing your TD bank auto loan

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Refinancing can be an effective strategy to save money on your TD Auto Finance Florida loan by reducing interest rates and monthly payments. By opting for auto refinance, you can potentially alleviate some of the financial burdens associated with your auto loan and redirect those savings towards other financial goals.

It’s essential to assess your current financial situation and determine whether refinancing is the right choice for you. By considering factors such as your remaining loan balance, current interest rates, and credit score, you can make an informed decision about whether refinancing is a viable option for you.

When to consider refinancing

The ideal time to consider refinancing your TD Auto Finance Florida loan is after making 12-18 payments or if you have a higher credit score. By refinancing at the right time, you can take advantage of lower interest rates and better loan terms, ultimately saving you money in the long run.

However, it’s important to weigh the pros and cons of refinancing and assess your financial situation carefully before making a decision. Refinancing may not always be the best option for every individual, so ensure that you make the right choice based on your unique circumstances.

Potential savings from refinancing

Refinancing your TD Auto Finance Florida loan can result in significant savings if the remaining balance is between $10,000 and $15,000 and the new interest rate is 4% or lower. By refinancing at a lower interest rate, you can potentially save between $33 and $50 per month, depending on the specifics of your loan.

It’s crucial to carefully evaluate your refinancing options and select the one that provides the maximum savings. Additionally, be mindful of any hidden charges that may be associated with refinancing, as they can amount to as much as $449, depending on the refinancing agency.

Finding a new lender

Utilizing is a viable choice for locating a new lender with lower rates. is a car loan refinance company that provides a digital pre-qualification experience and assists in finding partner lenders with the lowest rates.

By leveraging the advantages of using for refinancing, you can discover partner lenders that provide the most competitive rates and a completely digital pre-qualification process. This can make your refinancing experience more streamlined and efficient, ultimately helping you save money on your TD Auto Finance Florida loan.

Tips for managing your TD Auto Finance Florida loan

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Effectively managing your TD Auto Finance Florida loan can save you from potential financial pitfalls and ensure a smooth repayment journey. Some tips for managing your loan include ensuring timely payments to prevent late fees and repossession, and improving your credit score.

Establishing a budget that includes your income, expenses, and loan payments can help you stay on track with your finances. Additionally, setting up autopay can guarantee that your loan payments are made in a timely manner, preventing any negative impacts on your credit score.

Avoiding late fees and repossession

Defaulting on your TD Auto Finance Florida loan can have serious consequences, such as repossession of your vehicle by TD Auto Finance. Moreover, being delinquent on your loan payment can lead to the reporting of the late payment to credit agencies, as well as repossession and potential legal action.

If you are behind on your TD Auto Finance Florida loan payment due to the due date, it is suggested to contact 800-222-5522 to inquire about adjusting the payment due date. By staying proactive and communicating with your lender, you can avoid late fees and repossession.

Improving your credit score

Maintaining a good credit score is crucial for securing favorable loan terms and interest rates. Making regular, punctual payments can assist in building a positive credit record, leading to an improved credit score.

In addition to timely payments, there are other effective ways to improve your credit score. These include paying off your credit card balances through regular payments, balance transfers, or debt consolidation, and disputing errors on your credit report by contacting the credit bureau and providing evidence of the error.

Customer support and assistance

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TD Auto Finance offers customer support and assistance through their contact information. However, it’s important to note that multiple customer reporting sites indicate that the user experience when contacting TD Auto Finance is unsatisfactory.

Despite the reported subpar user experience, customers can still access their account information regarding auto loans on It’s crucial to stay proactive and communicate with your lender if you have any questions or concerns regarding your loan.

Contacting TD Auto Finance

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The contact information for TD Auto Finance includes their customer service at 1-800-556-8172 or by sending a message through their Secure Message Center. By reaching out to TD Auto Finance’s customer service, you can address any concerns or issues you may have related to your loan.

Additionally, you can access your account information regarding your auto loan by visiting By staying informed about your loan details, you can make better financial decisions and manage your loan effectively.

Resolving issues and disputes

TD Auto Finance has a contract with the ADR Chambers Banking Ombuds Office (ADRBO), an independent dispute resolution provider. In case of any issues or disputes related to your loan, you can contact TD Auto Finance to gain further information regarding the dispute resolution process.

ADRBO facilitates the resolution of disputes, ensuring a fair and impartial process for both parties. By contacting TD Auto Finance for further information on dispute resolution, you can address any concerns and work towards a satisfactory resolution.


In conclusion, saving money on your TD Auto Finance Florida loan is possible by understanding the loan terms and conditions and exploring refinancing options. By effectively managing your loan, avoiding late fees and repossession, and improving your credit score, you can enjoy a smoother financial journey and save money in the long run.

Take control of your finances today and make informed decisions about your TD Auto Finance Florida loan. Remember, knowledge is power, and with the right information and strategies, you can achieve financial freedom and enjoy the benefits of a well-managed auto loan.

Frequently asked questions

How do I access TD Auto Finance?

Accessing TD Auto Finance is easy. To get started, visit and follow the instructions to register for Easy Web Online Banking. Then select either personal or auto loan from the drop-down menu and provide your information.

Alternatively, you can call 1-800-556-8172 if your vehicle is already financed with TD Auto Finance.

Who took over TD Auto Finance?

On December 21, 2010, Toronto-Dominion Bank (TD) acquired TD Auto Finance, an auto loan business. This acquisition was strategic for TD as it allowed them to provide the full suite of automotive financing products and services to customers.

By offering a comprehensive range of automotive financing products and services, TD was able to better serve its customers and expand its market share. This acquisition was a key step in TD’s growth strategy and has enabled them to grow.

What is the phone number for TD Auto Finance payoff?

For TD Auto Finance payoffs, please call the toll-free number 800-556-8172.

Our customer service team is available to answer any of your questions and provide assistance.

How can I save money on my TD Auto Finance Florida loan?

By researching competitive loan rates, using calculators to figure out your budget, and making payments on time, you can easily save money with a TD Auto Finance Florida loan.

When is the best time to consider refinancing my TD Auto Finance Florida loan?

Given the potential benefits, it is generally advisable to wait 12-18 payments into the loan term or until your credit score has improved before considering refinancing your TD Auto Finance Florida loan.

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