VEHICLE LOANS

Your Road to Ownership Begins Here

We’re here to help you get moving—whether by car, motorcycle, boat, or RV. With competitive rates and flexible terms, our vehicle loans make it easy to upgrade your ride and enjoy the journey ahead.

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Pick the Perfect Loan for Your Needs

Flexible Loans for What Moves You

Terms up to 84 months
Finance autos, motorcycles, RVs, and boats
No application fee
Highly competitive rates
Fast approval process
Get pre-approved before you shop

Find a Dealer You Can Trust

We’ve partnered with select local dealerships to make your car buying experience smoother and more reliable. Explore our Preferred Auto Dealers to shop with confidence and get pre-approved through New Alliance FCU.

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Protect Your Purchase with Added Peace of Mind

Financing your vehicle is just the beginning. We offer optional protections to keep you covered long after you drive off the lot. These options give you financial peace of mind and help you stay protected through life’s bumps in the road. Ask about adding them when you apply for your loan.

GAP Plus

GAP Plus with Deductible Assistance protects you if your vehicle is stolen or totaled, covering the gap between your insurance payout and loan balance, and helping with your deductible.

Extended Vehicle Warranty

Get coverage after your factory warranty expires, including roadside assistance, towing, rental cars, and more—often for up to 50% less than dealer prices.

Debt Protection

Debt Protection with Life Plus provides security if the unexpected happens, helping cancel loan payments in cases of job loss, disability, illness, or even death.

Frequently Asked Questions About Vehicle Loans

What is a vehicle loan?

A vehicle loan helps you finance the purchase of a car, motorcycle, boat, or RV by spreading the cost over time. With fixed rates and predictable monthly payments, it keeps your budget manageable and can even help build your credit score when payments are made on time.

How can a vehicle loan benefit me?

A loan allows you to enjoy reliable transportation right away instead of waiting until you’ve saved the full amount. It provides flexible repayment terms, helps keep your budget balanced, and gives you the chance to build a stronger credit profile with consistent, on-time payments.

Do I need to get pre-approved before shopping?

Getting pre-approved gives you a clear picture of your budget and monthly payments before visiting a dealer. It can also speed up the buying process and strengthen your position when negotiating. While not required, it’s highly recommended for a smoother experience.

What optional protections can I add to my loan?

We offer three key protections you can add for extra peace of mind:

GAP Plus: Covers the difference between your insurance payout and your loan balance if your vehicle is stolen or totaled.
Extended Vehicle Warranty: Helps cover repairs and services after your factory warranty ends, often at lower cost than dealer plans.
Debt Protection with Life Plus: Cancels loan payments in cases of job loss, disability, illness, or death, helping reduce financial stress.

Can I still qualify for protections even if my loan isn’t with New Alliance FCU?

Yes! Certain products, like the Extended Vehicle Warranty, may still be available even if your loan is financed elsewhere. Check with a loan officer to review your options and see what protection plans are right for you.

Refinance Your Auto Loan Today

Get behind the wheel of incredible savings! Say goodbye to high interest rates and hello to extra cash in your pocket. Start saving now!

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* APR is Annual Percentage Rate. All loans are subject to credit approval. Rates and terms are subject to change without notice. Additional discounts may apply. Loan approval and rate are subject to credit score, vehicle value, and other factors.

** New Alliance Federal Credit Union is federally insured by the National Credit Union Administration (NCUA) and is an Equal Housing Lender. Membership eligibility is required. This website is intended to provide general information about our products and services and is not intended as legal, tax, or financial advice. For personalized assistance, please contact a qualified advisor. By accessing third-party links provided on this site, you are leaving the credit union’s website. We are not responsible for the content or availability of linked sites and do not endorse or guarantee the information they provide.

Vehicle Loans