Altura Credit Union offers up to 100% financing on new and used vehicles, including tax and license. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance an existing vehicle.

Rates Effective Date:

Loan Type Rate APR*
New Auto Loans 2.49% 2.49%
Used Auto Loans 2.69% 2.69%

Longer terms available. Call 888-883-7228 for more details.

You can also take advantage of no payments for 90 days.**

How much can I afford? Calculator tool how-to

Relationship Discount

Altura values our member’s relationship. We offer an automatic .50% discount to member’s who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account. (The Relationship Discount of .50% is already included in the rates shown.)

You can also receive an additional .25% off your rate and no payment for 60 days*** when you use our auto buying service, Auto Expert Online.

Apply online for your auto loan. No loan processing fee is required.

Protect you and your vehicle

Altura offers Mechanical Breakdown Insurance to cover the smaller repairs that regular insurance won’t cover, and GAP Insurance to help you pay off your loan in the event of a total loss.

Debt Cancellation is also available. Debt Cancellation protects you in the event of involuntary unemployment, disability or your heirs in the event of an untimely death.

TruStage Insurance provides coverage for all of your insurance needs at competitive rates. Get your free quote today or call 1-855-483-2149.

Skip A Payment** – When you need extra cash

Check out Altura’s Skip-A-Pay program. For a small fee, you can skip one payment per year, per qualifying loan so long as your account is in good standing.

*APR = Annual Percentage Rate. Rate shown is at a 36 month term with a monthly payment of $1,298.71 for a $45,000 loan at an APR of 2.49% ($28.86 per thousand). Longer terms and used auto rates available. Rate includes a 0.50% reduction for automatic payment from an Altura Credit Union checking account with payroll direct deposit. No payments for the first 90 days if financed during the promotional period. Interest will accrue until time of first payment. Negative amortization may occur. If you have acquired an Altura loan within the last 60 days, you may not qualify for this loan. Zero down on approved credit. This offer is not valid for refinancing an existing Altura Credit Union loan unless a minimum of $2,500 cash out is taken on the vehicle. Promotional period ends November 10, 2019. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate.

**Loan needs to have at least 6-months pay history to qualify for this offer, you may skip one payment every 12 months. Skip-A-Payment has a $25 fee and is available for loans financed through Altura Credit Union and excludes Home Equity or HELOC Loans, and Credit Cards Loans.

Negative amortization may occur. Proof of income may be required.

A one-time membership fee applies for non-members.