We’ll beat your auto loan rate!
Bring us your auto loan from another lender and we’ll reduce your rate by at least 1.00% APR.* Plus, skip your payment for 90 days!*
Lower payments. Bigger dreams.
There’s nothing quite like the feeling of a new – or even new-to-you – car or truck. 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 Features
Low rates and flexible terms up to 84 months.
Financing up to 120% of MSRP.
No hidden fees.
And no pre-payment penalties.
Payment protection so you can stress less and live more.
Manage your money – anytime, anywhere.
24/7 account access to our easy-to-use app.
Alltru Auto Loan Rates
|Type||Term||As low as APR*|
New / Used 2015-Newer
Up to 36 months
37 to 48 months
49 to 60 months
61 to 72 months
73 to 84 months
Preapproval Made Easy
Get 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 get the loan process started, 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.)
We will process your application and notify you when your preapproval is completed, 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.
A Simple Way to Refinance
We’ll save you money.
Looking for a lower rate for your current loan? We know we can help. At Alltru, we make the refinancing process easy.
Not all car 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?
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.