An online car loan with great rates 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.

Man in car contemplating getting an online car loan
The Run Down
  • Excellent rates that beat industry averages
  • Loan terms up to 84 months for new or used cars87
  • 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​
  • Use our car loan calculator to estimate your monthly payments
1.94 %
As Low As
60 mo. Max Term
New Vehicle

APR=Annual Percentage Rate87

The rates advertised by Alliant are not applicable for lease buyout loans offered through our partner Lease Maturity. Please visit Lease Maturity's website ( for more information regarding lease buyouts.

View All Auto Loans Rates

Don’t forget your rate discount

Save more on your auto loan rate when you use the Alliant Car Buying Service.81

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CNBC Best Credit Unions

"Best Credit Unions"

Business Insider Best Banks of 2022

"Best Banks of 2022"

Money Best Account Fees

"Best Account Fees"

Calculate your savings

Our online car loan calculator will help you estimate your payments so you can find the right loan for you.

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.

Car loan application process

You could get approved quickly for an online car loan.

  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 for free via FedEx 2-business day shipping. Contact your loan consultant if you want it to arrive sooner for a fee - FedEx Overnight Shipping for $18 or FedEx First Overnight Shipping for $22.

    Apply Now

Alliant programs to help you save time and money before and after you buy your car

Alliant Car Buying Service: Save 0.50% off your auto loan rate

Get upfront pricing, guaranteed savings and a discounted rate on your online car loan when you use the Alliant Car Buying Service  powered by TrueCar. Members save an average of $3,750 off MSRP.1 

Learn More

Alliant Vehicle Service Program: The free, easy way to schedule maintenance and save money

The Alliant Vehicle Service Program powered by CarAdvise, our new online car care platform, saves you an average of 25% on vehicle maintenance and repairs, and allows you to schedule service with thousands of certified service providers nationwide – all with just a few taps on your smartphone.

Learn More

Car Loan Rates87

New Vehicle Rate 1.94 % APR
Used Vehicle Rate 2.29 % APR
Vehicle Refinance 2.29 % APR
Used Vehicle Rate 10-15 years 5.29 % APR

APR=Annual Percentage Rate87. APRs shown above are stated as low as and may vary based on factors such as make and model of the vehicle, collateral type, payment method, creditworthiness, and ability to repay.

Let Me Know When Alliant Rates Gets Even Better

Attention California residents: You can find Alliant’s California Privacy Statement, as required by the California Consumer Privacy Act, by clicking here.

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? Can I be approved the same day that I apply?

In many cases, your loan may be approved the same day that you apply. 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?

Yes. 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. Read about the debt protection plan or speak to your Loan Consultant for additional details.

Does Alliant do car lease buyouts?

Alliant lease buyout loans are processed by our partner, Lease Maturity. Click here to be directed to the Lease Maturity site where you can learn more and start an application. Please note that by clicking on this link, you are leaving an Alliant Credit Union website and are about to enter a website operated by a third-party, independent from Alliant Credit Union. Alliant does not manage the operation or content of the website you are about to enter. The privacy and security policies of the site may differ from those of Alliant Credit Union.

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