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Second Line on Debit and Credit Cards - Altura Credit Union

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Altura Credit Union was first opened back in 1957 and has grown to span all across Riverside County.

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We volunteer our time, whether it’s fundraising for Habitat for Humanity or helping local teachers makeover their classrooms, we always want to be involved!

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Altura rewards two lucky members every quarter with a cash prize of $1,500. All you have to do is start saving!

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Credit Unions cannot be bought or sold because they are owned by their members. Members are part owners because they have a stake in the company.

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Ricardo Villalpando - Member Since 2017
Altura Credit Union

Riverside Auto Loans

Ready to Get an Auto Loan?

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

All About Auto Loans

How Do Auto Loans Work?

If you are looking to purchase a car, typically you will need to take out a card loan. When you get an auto loan from a financial institution, you will receive your money in a lump sum and then pay back the amount, plus interest, over a certain period of time (the “Term”).

Your monthly payment will be determined by:

  1. The amount of the loan
  2. The term of the loan – the amount of time you have to pay back the entire loan
  3. The APR (annual percentage rate) – the interest rate you pay on your loan

 

How to Refinance an Auto Loan

If you have an existing car loan that you would like to refinance, we can help you with that as well!

Refinancing your existing auto loan involves taking out a new loan with Altura as a means to pay off your existing loan balance. The benefit to refinancing is that you can typically save money by either increasing your repayment period (e.g. 36-month term to 72-month term), lowering your interest rate (APR), or both.

Auto Loan Calculator

Estimate your monthly auto loan payment with Altura’s auto loan calculator. Simply enter the information in the designated fields below to receive your monthly estimate. Planning to finally purchase that new car has never been easier!

Auto Loan Calculator

Auto Loan Rates

Below are our latest auto loan rates for new and used vehicles:

Rates Effective Date: March 2, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Auto Loans (2020-2021 Model Years) - APR*1.99%1.99%1.99%2.24%3.75%
Used Auto Loans (2019 & Older Model Years) - APR*2.19%2.19%2.19%2.44%3.95%

Now through March 28, 2021, get auto loans 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 auto loans 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 -

How to Get a Car Loan with Altura

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

How Do Auto Loans Work?

If you are looking to purchase a car, typically you will need to take out a card loan. When you get an auto loan from a financial institution, you will receive your money in a lump sum and then pay back the amount, plus interest, over a certain period of time (the “Term”).

Your monthly payment will be determined by:

  1. The amount of the loan
  2. The term of the loan – the amount of time you have to pay back the entire loan
  3. The APR (annual percentage rate) – the interest rate you pay on your loan

 

How to Refinance an Auto Loan

If you have an existing car loan that you would like to refinance, we can help you with that as well!

Refinancing your existing auto loan involves taking out a new loan with Altura as a means to pay off your existing loan balance. The benefit to refinancing is that you can typically save money by either increasing your repayment period (e.g. 36-month term to 72-month term), lowering your interest rate (APR), or both.

Auto Loan Calculator

Estimate your monthly auto loan payment with Altura’s auto loan calculator. Simply enter the information in the designated fields below to receive your monthly estimate. Planning to finally purchase that new car has never been easier!

Auto Loan Calculator

Auto Loan Rates

Below are our latest auto loan rates for new and used vehicles:

Rates Effective Date: March 2, 2021
Loan Type36 Months48 Months60 Months72 Months84 Months ($25,000 minimum loan)
New Auto Loans (2020-2021 Model Years) - APR*1.99%1.99%1.99%2.24%3.75%
Used Auto Loans (2019 & Older Model Years) - APR*2.19%2.19%2.19%2.44%3.95%

Now through March 28, 2021, get auto loans 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 auto loans 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 -

How to Get a Car Loan with Altura

To apply for an auto loan with Altura, you can visit one of our branches in Riverside, CA or apply online.

You can also use our car buying service, Auto Expert, to locate the car of your dreams. We handle everything including locating and negotiating your vehicle interest.

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.

FAQs

Can I Skip a Car Payment on My Car Loan?

As an Altura Credit Union member, you can skip one payment per year on your car loan. This is a convenient option that not all lenders provide. Before you skip a payment, make sure you have at least six months of payment history on your loan.

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

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Financial Well-Being

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Calculators

Determine Monthly Payments for Loans and Mortgages

Altura in the Community

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Ready to Apply for an Auto Loan?

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