Remember how it felt to drive off in that brand new car? If it's been too long, let us help you finance a new ride without making a huge dent in your budget. Before visiting the car lot, come see us to get pre-approved for an auto loan. We'll help you determine how much you can borrow to keep your payment where YOU want it. Our low rates & flexible payment options help make vehicle ownership very affordable! Already financed elsewhere? Ask a friendly representative about the benefits of refinancing with us.
- No payments up to 90 days
- Competitive rates on new and used vehicles
- Flexible terms — weekly, bi-weekly, semi, or monthly payments
- Pre-approvals for bargaining power
- Personal service
- Local underwriting
- Quick approvals
- Easy to apply — online, in person at any branch, or by phone
- Credit, life, and disability protection available
- GAP and extended warranties are available
- New autos are classified as model years 2018 and newer
- Used autos are classified as model years 2011-2017
- Older used autos are classified as model years 2006 or newer with 90,000 - 150,000 miles
- Autos with over 90,000 miles and/or older than 6 model years are subject to higher rates and shorter terms
- Speak to a loan representative for more details
- Convenient Online Payment — Learn More
Read our eBook Buying (and Keeping) a Car and view our resources below to learn more.
Make informed purchase decisions! Access the EPA's Fuel Economy Guide
Infographic: 3 Easy Ways to Finance Your Auto Loan
Home of the original CAR GUYS, your friendly Alive Credit Union loan officers not only offer you the benefit of low-rate financing, but they also serve as your go-to guys for all things car-buying related.
Where can I go and be treated fairly? Should I purchase an extended warranty? Will this particular make and model hold its value?
These are all questions your CAR GUYS can help you answer, including the most popular...how much car can I afford? Let the CAR GUYS help you determine your purchasing power with a quick and easy loan pre-approval. Then, based on your personal vehicle preferences, they'll point you in the right direction to pick out your new car!
The CAR GUYS will even make a call to the dealership to arrange a meeting between you and our onsite Credit Union contact at a time that is convenient for you.
If something unfortunate were to happen to you, who would make your loan payments? Make sure you and your loved ones are protected with credit insurance.
Unfortunately, we all know that our car loses value the moment we drive it off the lot. So, what happens if you are ever in an accident and your vehicle is totaled? Did you know you could be responsible for the difference between what insurance pays and your loan balance? GAP can help cover this difference.
Be fully protected against mechanical breakdowns. Ask us about your extended warranty options.
First Time Auto Buyer Program
If you're looking to buy your first set of wheels but worried because you have limited or no credit, our First Time Auto Buyer program is a perfect solution.
Our program is designed to help members just like yourself not only fund your vehicle purchase but also provide you with an opportunity to establish a positive credit history. Plus, as an added bonus, after one year of on-time payments, you may receive an automatic rate reduction of 1.00% APR*.
- Auto loan approvals up to $20,000
- Up to 85% LTV (loan to value) financing
- No credit history required
- No co-signer required
- Must be at least 18 years of age
- Program Qualifications Apply
*APR equals annual percentage rate
**Employment requirement may be waived with proof of college degree.