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With Altura Auto Loans take advantage of our low rates plus enjoy 60 days without a payment.*

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Grant Fournier - Member Since 2012
Products

Auto Loans

Alondra King - Member Since 2015

Buy Your Dream Car

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

Altura offers financing on new cars as well as financing on existing loans. Altura values our Member relationships, so we offer an automatic .50% rate discount to Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account. You can also receive an additional .25% off your rate and no payment for 100 days* when you finance your car during the promotional period.

*Learn more here.

Loan Options

Auto Loan

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance your auto loan. The auto loan rate you qualify for is subject to your credit score and credit history.

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

Rates Effective Date: March 4, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2020-2021 Model Years) - APR*1.99%1.99%1.99%2.24%3.75%
Used Car Loans (2019 & Older Model Years) - APR*2.19%2.19%2.19%2.44%3.95%

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

*APR= Annual Percentage Rate. Rate shown...

READ MORE +

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

*APR= Annual Percentage Rate. Rate shown is at a 60 month term on 2020 and 2021 models with a monthly payment of $791.60 for a $45,000 loan at an APR of 1.99% ($17.59 per thousand). 72 month term on 2020 and 2021 models have a monthly payment of $671.43 for a $45,000 loan at an APR of 2.24% ($14.92 per thousand). Longer terms and used auto rates are available. For used auto loans, the model year must be 2019 and older. Rate includes a .50% reduction for automatic payment from an Altura Credit Union checking account with full payroll direct deposit. No payments for the first 100 days if financed during the promotional period. Interest will accrue until time of first payment. Credit check required, but not everyone may qualify. *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 and final loan amount does not exceed our  Loan to Value limits. Promotional period ends March 28, 2021. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate. **To qualify for our Skip a Payment feature, your account must remain in good standing and your loan must have a payment history of at least six months. An accompanying $25.00 fee is assessed in the instance where the Skip a Payment feature is used. This feature is available on loans financed through Altura Credit Union excluding Home Equity, HELOC, and credit card loans.

READ LESS -

Recreational Vehicle Loan

Why wait to take your next adventure? Get that R.V. you’ve always wanted with our recreational vehicle loan. Altura Credit Union offers competitive financing on recreational vehicles, including tax and license. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: March 4, 2021
Loan TypeRateAPR^
New Motor Home/ RV Loans6.49%6.49%
Used Motor Home/RV Loans6.99%6.99%

^ APR=Annual Percentage Rate.

To download a Rate Sheet, click here.

Toy Loan

With Altura’s Toy Loan we want you to finally make that purchase that you have been putting off.  Altura Credit Union offers competitive financing on Toy Loans. These include new boats, motorcycles, jet skis, quad-runners and more.  Take advantage of the competitive financing options for assorted budgets. Altura is here to lower your monthly payments to make it possible to put some extra money in your pocket.

 

Rates Effective Date: March 4, 2021
Loan TypeRateAPR^
New Boat Loans7.99%7.99%
Used Boat Loans8.05%8.05%
New Motorcycle Loans6.99%6.99%
Used Motorcycle Loans7.99%7.99%

^ APR = Annual Percentage Rate. Rates are subject to change without notice.

To download a Rate Sheet, click here.

First-Time Auto Buyer Program

Everyone has to start somewhere, and we understand that. If you have little to no credit, we have just the right thing for you. Altura’s First time Auto Buyer Program is designed for those who have little to no credit and are ready to buy their first car. To make it even easier, we offer Auto Expert which will find the car that best suits you and your budget.

Some of our First-Time Auto Buyer features include:

  • Competitive Rates
  • Skip-A-Pay: skip one monthly payment per year!
  • Save time and money when you use our car locator service and get a .25% discount on your interest rate

Auto Loan

Altura Credit Union offers financing on new and used cars, including tax, license and after-market products. You can use an Altura auto loan to purchase a new vehicle for yourself, or refinance your auto loan. The auto loan rate you qualify for is subject to your credit score and credit history.

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

Rates Effective Date: March 4, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2020-2021 Model Years) - APR*1.99%1.99%1.99%2.24%3.75%
Used Car Loans (2019 & Older Model Years) - APR*2.19%2.19%2.19%2.44%3.95%

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

*APR= Annual Percentage Rate. Rate shown...

READ MORE +

Now through March 28, 2021, get a car loan as low as 1.99% APR for 60 months!* Learn more here.

*APR= Annual Percentage Rate. Rate shown is at a 60 month term on 2020 and 2021 models with a monthly payment of $791.60 for a $45,000 loan at an APR of 1.99% ($17.59 per thousand). 72 month term on 2020 and 2021 models have a monthly payment of $671.43 for a $45,000 loan at an APR of 2.24% ($14.92 per thousand). Longer terms and used auto rates are available. For used auto loans, the model year must be 2019 and older. Rate includes a .50% reduction for automatic payment from an Altura Credit Union checking account with full payroll direct deposit. No payments for the first 100 days if financed during the promotional period. Interest will accrue until time of first payment. Credit check required, but not everyone may qualify. *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 and final loan amount does not exceed our  Loan to Value limits. Promotional period ends March 28, 2021. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate. **To qualify for our Skip a Payment feature, your account must remain in good standing and your loan must have a payment history of at least six months. An accompanying $25.00 fee is assessed in the instance where the Skip a Payment feature is used. This feature is available on loans financed through Altura Credit Union excluding Home Equity, HELOC, and credit card loans.

READ LESS -

Recreational Vehicle Loan

Why wait to take your next adventure? Get that R.V. you’ve always wanted with our recreational vehicle loan. Altura Credit Union offers competitive financing on recreational vehicles, including tax and license. Altura offers flexible loan terms to fit your budget.

Rates Effective Date: March 4, 2021
Loan TypeRateAPR^
New Motor Home/ RV Loans6.49%6.49%
Used Motor Home/RV Loans6.99%6.99%

^ APR=Annual Percentage Rate.

To download a Rate Sheet, click here.

Toy Loan

With Altura’s Toy Loan we want you to finally make that purchase that you have been putting off.  Altura Credit Union offers competitive financing on Toy Loans. These include new boats, motorcycles, jet skis, quad-runners and more.  Take advantage of the competitive financing options for assorted budgets. Altura is here to lower your monthly payments to make it possible to put some extra money in your pocket.

 

Rates Effective Date: March 4, 2021
Loan TypeRateAPR^
New Boat Loans7.99%7.99%
Used Boat Loans8.05%8.05%
New Motorcycle Loans6.99%6.99%
Used Motorcycle Loans7.99%7.99%

^ APR = Annual Percentage Rate. Rates are subject to change without notice.

To download a Rate Sheet, click here.

First-Time Auto Buyer Program

Everyone has to start somewhere, and we understand that. If you have little to no credit, we have just the right thing for you. Altura’s First time Auto Buyer Program is designed for those who have little to no credit and are ready to buy their first car. To make it even easier, we offer Auto Expert which will find the car that best suits you and your budget.

Some of our First-Time Auto Buyer features include:

  • Competitive Rates
  • Skip-A-Pay: skip one monthly payment per year!
  • Save time and money when you use our car locator service and get a .25% discount on your interest rate

Relationship Discount

Save an automatic 0.50% on your loan rate for Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account.

Debt Cancellation

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

Mechanical Breakdown Insurance

Altura offers Mechanical Breakdown Insurance to cover the smaller car repairs that regular car insurance won’t cover.

GAP Insurance

This insurance is to help you pay off your loan in the event of a total loss vehicle.

GRANT FOURNIER | MEMBER SINCE 2012

"Altura got the ball rolling on our auto loan right away. They take care of all our financial needs."

WATCH HIS STORY

GRANT FOURNIER'S STORY

LARRY & JOANNE SINGH | MEMBERS SINCE 1986

"Even if you buy your vehicle and get it financed through the dealership, you can still call Altura and get the better deal."

WATCH THEIR STORY

LARRY & JOANNE SINGH TESTIMONIAL

RICARDO VILLALPANDO | MEMBER SINCE 2017

"I became an Altura Member because I saw the opportunities that they had and the great rates that they were offering."

WATCH HIS STORY

RICARDO VILLALPANDO'S STORY

Auto Loan Benefits

Skip-A-Pay Program

For a small fee, you can skip one loan payment per year, per qualifying loan so long as your account is in good standing.

Let’s Talk Discounts

Save More With Our Relationship Discount

Set up direct deposit with auto transfer to receive 0.5% discount on your loan interest rate.

Let’s Talk Discounts

Use Altura Auto Expert

Save an additional .25% off your loan rate and no payment for 60 days when you use our auto buying service, Auto Expert!

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Financial Well-Being

FAQs

Can I Make My Monthly Payments with an Automated Debit from My Checking Account?

Automated monthly payments are available. At the loan closing, an automated payment application will be provided. Simply return it at your earliest convenience to enroll in the automated payment program.

Apply at a Local Branch

RIVERSIDE, CA

14th Street Branch

3451 14th Street Riverside CA 92501

WILDOMAR, CA

Bear Creek Branch

36068 Hidden Springs Road Unit 9 Wildomar CA 92595

Moreno Valley, CA

Cactus Branch

23540 Cactus Avenue Moreno Valley CA 92553

RIVERSIDE, CA

Canyon Springs Branch

2692 Canyon Springs Parkway Ste C Riverside CA 92507

COACHELLA, CA

Coachella Branch

50057 Cesar Chavez, Suite A, Coachella, CA 92236

Corona, CA

Corona Lincoln Branch

650 S. Lincoln Ste 101 Corona CA 92882

Corona, CA

Corona Plaza Branch

2331 Compton Avenue Corona CA 92881

Indio, CA

Indio Branch

81096 Hwy 111 Indio CA 92201

RIVERSIDE, CA

Magnolia Branch

10725 Magnolia Avenue Riverside CA 92505

Murrieta, CA

Murrieta Branch

40412 Murrieta Hot Springs Road Murrieta CA 92563

Rancho Mirage, CA

Rancho Mirage Branch

36-101 Bob Hope Drive Ste E-9 Rancho Mirage CA 92270

RIVERSIDE, CA

Riverside Avenue Branch

6403 Riverside Avenue Riverside CA 92506

SAN JACINTO, CA

San Jacinto Branch

1821 S. San Jacinto Avenue, Suite G, San Jacinto, CA 92583

FRENCH VALLEY, CA

Silver Hawk Branch

38995 Sky Canyon Drive Murrieta, CA 92563

Moreno Valley, CA

Stoneridge Branch

27130 Eucalyptus Avenue, Ste E Moreno Valley CA 92555

Banning, CA

Sun Lakes Branch

300 S. Highland Springs Avenue Banning CA 92220

RIVERSIDE, CA

University Avenue Branch

1616 University Avenue Riverside CA 92507

Hemet, CA

West Hemet Branch

320 S. Sanderson Avenue Hemet CA 92545

WOODCREST, CA

Woodcrest Branch

17094 Van Buren Blvd, Riverside, CA 92504

Disclaimer Information

*No Payment for 60 Days if you use our auto buying service, Auto Expert.

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