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The 14th Street branch will be closed at 2:00 PM today due to events being held in Downtown Riverside this afternoon.

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With Altura Auto Loans take advantage of our low rates plus enjoy 90 days without a payment.

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Our latest giveaway with Mastercard: From now until the end of 2019, any member that swipes their debit or credit card will be entered in for a monthly $1,000 raffle!

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Products

Auto Loans

Sonia Rosales - Member Since 2018

Buy Your Dream Car

You can use an Altura auto loan to purchase a new car, purchase a used car or refinance your existing car. The process to apply for a new or used car is quick and simple. Simply fill out our online loan application and you’ll receive a call with your approval status. You can also refinance your existing car through the same application.

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 if financed within the promotional period.

Loan Options

Credit Union Auto Loan Interest Rates

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 an existing car.

Rates Effective Date: June 6, 2020
Loan Type36 Months48 Months60 Months72 Months84 Months
New Auto Loans - APR†2.29%2.29%2.29%2.49%3.69%
Used Auto Loans - APR^2.49%2.49%2.49%2.69%3.89%

† APR = Annual Percentage Rate. Rate shown is at a 72 month term with a monthly payment of $449.04 for a $30,000 loan at an APR of 2.49% ($14.97 per thousand). Longer terms and used auto rates available. R...

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† APR = Annual Percentage Rate. Rate shown is at a 72 month term with a monthly payment of $449.04 for a $30,000 loan at an APR of 2.49% ($14.97 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 100 days if financed during the promotional period. Interest will accrue until time of first payment. If you have took out an Altura Credit Union 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 June 21, 2020. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate.

** To use the 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 fee is assessed in instances 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.

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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: June 6, 2020
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: June 6, 2020
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

Credit Union Auto Loan Interest Rates

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 an existing car.

Rates Effective Date: June 6, 2020
Loan Type36 Months48 Months60 Months72 Months84 Months
New Auto Loans - APR†2.29%2.29%2.29%2.49%3.69%
Used Auto Loans - APR^2.49%2.49%2.49%2.69%3.89%

† APR = Annual Percentage Rate. Rate shown is at a 72 month term with a monthly payment of $449.04 for a $30,000 loan at an APR of 2.49% ($14.97 per thousand). Longer terms and used auto rates available. R...

READ MORE +

† APR = Annual Percentage Rate. Rate shown is at a 72 month term with a monthly payment of $449.04 for a $30,000 loan at an APR of 2.49% ($14.97 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 100 days if financed during the promotional period. Interest will accrue until time of first payment. If you have took out an Altura Credit Union 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 June 21, 2020. Other restrictions may apply. Maximum limit of $150,000 aggregate total secured debt excluding real estate.

** To use the 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 fee is assessed in instances 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: June 6, 2020
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: June 6, 2020
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 .50% on your auto 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 auto loan in the event of a total loss vehicle.

ADRIAN LEMUS | MEMBER SINCE 2014

"I had my eye on this car for 2 years. The Auto Expert program has made it a reality."

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ADRIAN LEMUS' STORY

SONIA ROSALES | MEMBER SINCE 2018

"I knew the car I wanted, it was just a matter of who I was going to choose for my auto loan. When I called Altura, it was so easy."

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SONIA ROSALES' STORY

NICOLE MELENDEZ | MEMBER SINCE 2018

“Even if you weren't a Member they would gladly help you become a Member quickly and be there for you, through anything.”

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NICOLE MELENDEZ TESTIMONIAL

KIMBERLY GREEN | MEMBER SINCE 1999

“Their way of greeting you and taking their time— you’re not just a number there. You feel like a person, you feel like you matter.”

WATCH STORY

KIMBERLY GREEN TESTIMONIAL

KAREEM GONGORA | MEMBER SINCE 2015

"I ended up applying and literally getting the percentage cut in half as to what was being offered competitively and I ended up going forward and buying a car because...

WATCH STORY

KAREEM GONGORA TESTIMONIAL

Auto Loan Benefits

Skip-A-Pay Program

For a small fee, you can skip one auto 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 auto loan interest rate.

Let’s Talk Discounts

Use Altura Auto Expert

Save an additional .25% off your auto loan rate and no payment for 90 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.

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Financial Well-Being

Learn How to Manage Your Money

Financial Well-Being

Learn How to Build Your Credit

Calculators

Determine Monthly Payments for Loans and Mortgages

Altura in the Community

See How We Support Our Local Community

Are You Ready to Drive Your Dream Car?

Apply Now