Auto Loans

Auto Loans

Whether you’re looking to buy a new or used car, or want to refinance your car loan from another lender, we can help. With great low rates, a fast and easy application process, and an exclusive discount on auto insurance, you will be planning your next road trip in no time.

New and Used

  • Rates as low as 1.99% APR* 
  • Up to 125% financing for used vehicles based on NADA Retail Value and credit score
  • Up to 125% financing for new vehicles based on MSRP and credit score
  • Borrow up to $100,000 
  • Various terms available 
  • No application fees or prepayment penalties 
  • Same day funding available

Motorcycle Loans

  • Maximum age of motorcycle 5 years old
  • Up to 100% financing based on NADA retail value and credit score
  • Borrow up to $50,000
  • Terms available up to 66 months
  • Title vehicles only
  • Purchases and refinances from other institutions.  No cash out refinances.

Search and Shop with AutoSmart

  • Research and compare vehicle models and types 
  • Find new and used autos from dealerships near you 
  • Apply for credit union financing directly through one convenient site 
  • A free service for Align Members

Concierge Car Buying with Auto Advisors

  • Help with determining the vehicle that fits your needs and budget
  • Assistance with negotiating purchase price, trade-in value, dealer add-ons and hidden costs
  • Advice about after-market costs and extended warranties
  • Guidance with paperwork and financing options
  • A free service for Align Members
  • Learn More about Concierge Car Buying with Auto Advisors
  • Contact us at 800-942-9575 or email autoadvisor@AlignCU.com
Debt Protection for Life’s Curveballs

Debt Protection for Life’s Curveballs

This voluntary loan payment protection product is designed to cancel your loan payment or balance when unexpected protected losses occur, such as disability, loss of life or involuntary unemployment.
Guaranteed Asset Protection (GAP)

Guaranteed Asset Protection (GAP)

GAP is available on all Align auto loans and helps cancel the difference between what your primary insurance will pay and what you owe if your vehicle is stolen, damaged beyond repair, or totaled.
Disclosure: 
*APR=Annual Percentage Rate.  Annual Percentage Rate may vary based on your personal credit history.  Rate posted is for a 700+ FICO Credit score and 36 months.  Rate is not available to all borrowers and loan requests are subject to Align underwriting criteria.  Not available for commercial purpose vehicles.  Other rates, terms, and conditions may apply.  Payments reflect principal and interest only.  Additional .25% rate discount if the loan to value is less than 70%. Loan to value is calculated based on loan amount and NADA or sticker price of vehicle.
 
Programs, rates, terms and conditions subject to change without notice.  All loans subject to credit approval.  Credit union membership is required.  Members must maintain a $5 deposit relationship.  Amount financed includes $60 VSI Insurance.