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Apply for a new auto loan or refinance an existing one at half your approved interest rate, no matter where you bank!

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We’re Offering the Most Competitive Auto Loan Financing!
Cut Your Auto Rate In Half With Us Today!*

Apply for a new auto loan for a new or used vehicle, or refinance an existing one at half your approved interest rate, no matter where you bank!*

Apply today!

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More About Auto Loans with Alternatives

We offer competitive financing, a variety of terms to keep your payments low, and local approval to get you on the road fast. If you are looking to save money on your current loan, refinance with Alternatives for a potentially lower rate.


  • Credit union membership required for auto loan application. Membership signup process is easy and convenient.
  • Financing for new, used, and older used vehicles
  • Competitive rates
  • Affordable payment plans
  • Apply to get pre-approved for better bargaining leverage
  • Refinance an existing loan at a 1/2 your current rate especially if you’re with another lender
  • Local decision-making and processing
  • Experienced lenders to guide you
  • Detailed, attentive service from start to finish
  • Secured Loans: For a $10,000 loan for a term of 5 years with a 3.99% APR, the monthly payment will be $183.98
  • Older Secured Loans: For a $8000 loan for a term of 4 years with a 7.24% APR, the monthly payment will be $192.18
  • Existing Alternatives auto loans that qualify will be charged a $99 service fee.

*All loans subject to approval. Minimum resulting interest for this program is 3.0% APR. APR = Annual Percentage Rate which is the annual rate of interest charged to borrowers over the term of a loan. Gap insurance required on all loan to values over 90%. Offer applies to the purchase or refinance of model years 2011 and newer. This offer cannot be combined with any other Credit Union rate incentive. This is a limited time offer, and program rates, terms, and conditions are subject to change without notice. Other fees and restrictions may apply. Federally insured by NCUA.

We’re here for you. We value every relationship and evaluate every financial situation on a case-by-case basis. Now, more than ever, we encourage you to reach out to us to explore financial options available to you.

Get in touch
Telephone: (607) 273-4611
Toll free: (877) 273-AFCU
Fax: (607) 277-6391

This credit union is federally insured by the National Credit Union Administration. Deposits insured up to $250,000.

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