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In honor of Martin Luther King Jr. Day, Altura’s branches and offices will be closed on Monday, January 17. Online and mobile banking and our ATMs will be available for your convenience. Thank you.

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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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Billy Harris - Member Since 2020
Auto Loans

Auto Loan and Auto Refinancing Rates

Billy Harris - Member Since 2020

Save Money With Our Low Rates

Altura offers financing on new cars as well as financing on existing loans. We value our Member relationships, so we offer an automatic .50% interest rate discount to Members who have full payroll direct deposit and automatic payment withdrawals from their Altura checking or savings account. You can receive an additional .25% off your rate when you purchase a vehicle using Auto Expert.

Auto Loan Interest Rates

Auto Loan 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: January 21, 2022
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2021-2022 Model Years) - ^APR2.24%2.24%2.39%2.59%4.24%
Used Car Loans (2020 & Older Model Years) - ^APR2.44%2.44%2.59%2.79%4.44%

^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may v...

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^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount and term. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

To download a Rate Sheet, click here.

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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 Auto Loan 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 auto loan interest rate

Auto Loan 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: January 21, 2022
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Car Loans (2021-2022 Model Years) - ^APR2.24%2.24%2.39%2.59%4.24%
Used Car Loans (2020 & Older Model Years) - ^APR2.44%2.44%2.59%2.79%4.44%

^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may v...

READ MORE +

^ APR = Annual Percentage Rate. Listed interest rates include a .50% discount for full direct deposit with automatic payment from checking. Rates are subject to change without notice. Rates & terms may vary depending on approved loan amount and term. Loan rates reflect our Best Rates and may be higher depending on individual credit rating and account history.

To download a Rate Sheet, click here.

READ LESS -

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 Auto Loan 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 auto loan interest rate

Relationship Discount

Save an automatic 0.50% on your auto loan interest 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.

BILLY HARRIS | MEMBER SINCE 2020

“The loan process at Altura was really simple, within a week I was already approved!”

WATCH HIS STORY

BILLY HARRIS' STORY

THE JONES FAMILY | MEMBERS SINCE 2015

“I love Altura! They’re the ones that said yes when everybody said no. I thought, ‘I would love it if I could buy my son a car,’ and Altura said...

WATCH THEIR STORY

THE JONES FAMILY STORY

GUMARO VASQUEZ | MEMBER SINCE 2012

"Auto Expert found a buyer for my trade-in. They also found the vehicle I wanted to buy and I had a new car within a few days."

WATCH HIS STORY

GUMARO VASQUEZ'S STORY

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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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.

Disclaimer Information

*No Payment for 60 Days offer is only applicable when using Auto Expert to find your car.

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