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Lower payments. Bigger dreams.
There’s nothing quite like the feeling of a new – or even new-to-you – car. Alltru Credit Union can help get those keys in your hand a lot faster than you think. And if you already have the car of your dreams but would like to take advantage of today’s low rates, we can help you refinance your current loan, too.
Alltru Auto Loan
Start Your Car Buying Journey
Get Preapproved
Browse Vehicles
Refinance My Loan
First Time Car Buyer
Alltru Auto Loan Features
Low rates and flexible terms up to 84 months.
Financing up to 120% of MSRP.
90 days payment-free.
Enjoy no car payments for your first 90 days1.
No hidden fees.
And no pre-payment penalties.
Manage your loan – anytime, anywhere.
24/7 online account access.
Protect your investment.
We offer loan protection options2, so you can stress less and live more.
Alltru Auto Loan Rates
| Term | As low as APR* | |
|---|---|---|
Auto LoanNew / Used 2021-Newer |
36 months |
4.99% |
48 months |
5.24% |
|
60 months |
5.24% |
|
72 months |
5.99% |
|
73 to 84 months |
7.74% |
Sign up for automatic payments and get a 0.25% rate discount.*
Preapproval Made Easy
Get auto loans preapproved for faster car buying.
Start the application process today – even if you don’t have the exact car picked out yet. This can make your purchase process a lot faster. Don’t spent hours at the car dealer waiting to drive away in your new car. We’ll make it easy. Here’s how.
Submit your application.
To start the loan process, first submit an online loan application. You can also apply by calling 636-916-8300. (Remember, you’ll have to be an Alltru member first – but we can help with that, too.)
Get preapproved.
We will process your application and notify you when your preapproval is complete, usually the same day.
Negotiate the best deal.
Be sure to bring your loan preapproval to the dealer, as this will give you maximum leverage and help you negotiate the best deal.
Complete your loan documents.
Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using DocuSign.
Finalize your financing.
We’ll send the funds to you or the dealer.
Where to start
Find a preferred dealer.
Ready to buy your next car? We’ve partnered with car dealers around St. Louis to get you lower rates and monthly payments. By getting your auto loan from a preferred dealer, you’re keeping your money in your community. Plus, you become an Alltru member and have access to all the credit union has to offer.
Tranita
Alltru Member
A Simple Way to Refinance
We’ll save you money.
Looking for a lower rate on your current car loan? We can help with that. At Alltru, we make the refinancing process easy and hassle-free.
SKIP CAR PAYMENTS FOR 90 DAYS
Refinance your auto loan from another lender and enjoy NO payments for your first 90 days1!
First Time Car Buyers
Finance your first car.
Get behind the wheel in your own vehicle. With our First Time Buyer Program, we empower first-time borrowers with no credit score or great credit scores to finance their own loan without a cosigner.3
- Rate as low as 15.99% APR*
- Up to $25,000 purchase price
- Up to 72 month term
- Proof of income required
Alexa
Alltru Member
“Alltru helped me finance my very first car.”
“I like that I can do skip-a-payment on my loan and that it’s really flexible.”
“They redefined the car buying process. It put me in power, not the dealership, and that feels amazing.”
Not all auto loans are created equal.
As you’re shopping for cars, be sure to look at the fine print and look at the rates and fees. Wondering how much that rate difference will save you? We have the answer.
Looking for help paying your loan?
Let’s Talk
We’re in your neighborhood.
We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.