A loan that puts you in the driver's seat

The car you want is within reach with our low rates. Feel confident at the dealership knowing what you can afford and what you should be paying.

Credit Union Car Loan
The Run Down
  • Excellent rates that beat industry averages
  • Loan terms up to 84 months for new or used cars
  • Refinance your higher rate auto loans and save
  • No prepayment penalties. Reduce your interest by paying early
  • Same day approval in most cases
  • Get a 0.50% rate discount when you use the Alliant Car Buying Service81​
Rates
1.99 %
APR
As Low As
60 mo. Max Term
New Vehicle

APR=Annual Percentage Rate

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When you’re preapproved, you hold the keys

How does being preapproved help you? When dealers see that you’re preapproved, they know you are a serious buyer. They’ll be ready to make a good deal to get your business, and you can be confident knowing that you have a low-rate financing option with Alliant.

Auto loan application process

Alliant Credit Union Auto Loans will get you approved quickly.

  1. Submit an application

    To get the loan process started, first submit an online loan application. You can also apply by calling 800-328-1935 (available 24/7).

  2. Get preapproved

    We will process your application and notify you when your preapproval is completed, usually the same day.

  3. Negotiate the best deal

    Be sure to bring your loan preapproval to the dealer, as this will give you maximum leverage and help you negotiate the best deal. Save even more time and money when you use the Alliant Car Buying Service.

  4. Complete your loan documents

    Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.

  5. Finalize your financing

    We’ll send the funds overnight via FedEx to you or the dealer.

Free car buying service

Get upfront pricing, guaranteed savings, and a discounted rate on your auto loan when you use the Alliant Car Buying Service. Members save an average of $3,279 off MSRP.1 Learn More

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Car Loan Rates

New Vehicle Rate 1.99 %
Used Vehicle Rate 2.24 %

APR=Annual Percentage Rate.81 Rates are higher for vehicles 10 years and older.

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Vehicle Loan Fees

Vehicle Service Agreement Transfer Fee $40
Duplicate Release Fee - Fixed Only $25
Amortization Report - Fixed Only $15
Financial Counseling and Budgeting Services Free
eStatements (electronic account statements) Free
Consumer Loan Application Free
Consumer Loan Modification Free

Car Loan FAQs

How can being preapproved help me when I’m vehicle shopping?

Being preapproved helps you focus on negotiating the best price, knowing that you won’t end up with high rate financing when you close the deal. Plus, dealers tend to take people more seriously when they come in with preapproved financing because it means you’re ready to do business and not just “window shopping.”

How fast can I be approved for a vehicle loan? Will funds be available same day?

In many cases, your funds may be available the same day. We understand that sometimes the vehicle-buying process is urgent. Our loan specialists will answer your questions and help expedite the simple application and approval process.

Can I pay off my loan quicker than the payment schedule?

Absolutely. At Alliant, there are no prepayment penalties for paying off your loan faster than your payment schedule. In fact, it’s a great way to save on interest over the long run.

Do you offer a debt protection plan?

Yes, we offer a debt protection benefit plan in the event of death, disability or involuntary unemployment. Learn more or speak to your Loan Consultant for additional details.

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