Vehicle Loans

We are experts on affordable loan rates for vehicle loans and can help you get a loan payment and terms that fit both your needs and your wallet.

Auto Loans

Apply for a low-rate auto loan with us at any branch, online, by phone or at one of our preferred dealers. You can obtain up to 120% financing* on new or used autos and take up to 30 days to make your first payment. So get your best deal, take the rebate from the dealer and then come to us for the best interest rate and financing. We can show you how to save money on your loan.

Is your loan payment from another financial institution too high? See us about refinancing your loan and let us show you how we can save you money!

*120% financing is not available for an auto refinance. See us for complete details.

Apply with us right at the dealership!

Did you know you could apply with for AACFCU financing right from the dealership? Tell your salesperson you want to finance with us, and we'll work with the dealership to handle the financing process from completing the loan application to closing the loan paperwork after approval. 

See our Preferred Dealers

We can also help you get pre-approved before you shop to make your auto-buying process easy!

Apply to Get Pre-Approved

Ready to purchase your first car?

The My First Ride program is designed for first-time auto buyers who need an affordable loan from a financial institution they can trust.  So how do you apply? First, look for a car priced $20,000 or under that is no more than 7 years old and has less than 80,000 miles on the car. Then, show us you have had a job for 1 year or longer and you may be on your way to purchasing your first car! Stop by a branch, call us or apply online.

Boats, Personal Watercraft & RV Loans

Let us get you out on the water or traveling with the family in your new boat, jet ski or RV! We finance new or used boats, personal watercraft and RVs at low loan rates to help you start enjoying your new boat or RV today. Financing is available for up to 180 months on boats and RVs and up to 84 months on personal watercraft. Get on the water or relax in your RV today!

Motorcycles & ATVs

Looking for a way to enjoy the outdoors? Let us finance your fun! Financing is available up to 72 months on motorcycles and ATVs. Start enjoying the great outdoors today!

APR = annual percentage rate. Quoted rates are the lowest available rates and reflect all possible discounts. Your rate will be based on your credit history and may be higher. Rates and terms are subject to change based on market conditions and borrower eligibility. Advertised rates may change at any time. Offer good with approved credit for loans new to AACFCU.

Click here to see what vehicles, properties or other items we currently have for sale. If you are interested in seeing any of listed units or have questions, contact us at 334-598-4411 extension 3400.

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Or speak to a Member Service Representative at any of our branches.