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Auto Loans | Auto Loans | Alltru Credit Union

No Car Payments for 90 Days!

Bring us your auto loan and enjoy your first 90 days payment-free1.

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.

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Woman holding car keys outside of her car window in an excited way. The image is inside of a circle shape.

Alltru Auto Loan



Alltru Auto Loan Features
Alltru Auto Loan Rates
Term As low as APR*
Auto Loan

New / Used 2019-Newer

36 months


48 months


60 months


72 months


73 to 84 months


Sign up for automatic payments and get a 0.25% rate discount.*

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.

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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.)

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Get preapproved.

We will process your application and notify you when your preapproval is completed, usually the same day.

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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.

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Complete your loan documents.

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using DocuSign.

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Finalize your financing.

We’ll send the funds to you or the dealer.

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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.


Refinance your auto loan from another lender and enjoy NO payments for your first 90 days1!

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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?

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.