You’ll be spending lots of quality time in your car. Make sure you're comfortable with flexible financing for the perfect ride.
- Competitive Rates
- Free Pre-Approval
- Quick Decisions
- Local Processing
- Competitive rates on new or used vehicles
- A wide range of terms customized to your unique situation
- Free pre-approval available for extra bargaining power at the dealership
- Refinance your current vehicle to potentially lower your rate
- Find peace-of-mind after your purchase with a couple of protection plans:
- Guaranteed Auto Protection (GAP)
- Debt protection plans
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Find the Right Ride
Visit our NADA® page to get up-to-the-minute vehicle pricing and information.
View our handy Borrower's Guide to determine your next steps.
Guaranteed Auto Protection (GAP) protects individuals who finance a new or used vehicle from the financial gap.
GAP covers the difference between the actual cash value of your vehicle and the loan/lease balance as of date of loss, less delinquent payments, late charges, accrued interest, refundable service warranty contracts and other related charges.
GAP will also cover the actual deductible amount stated in your primary insurance policy up to $500 or $1000, depending on program limits, in the event of a covered GAP claim. Ask your loan officer for details of the GAP program offered by Alabama Teachers Credit Union.
Ask about available vehicle service contracts for new and pre-owned vehicles.
Service contracts provide the following features and benefits:
- Nationwide protection
- Available on both new and pre-owned vehicles
- Roadside assistance reimbursement
- Rental vehicle reimbursement
- Tire protection and trip interruption for the term of your coverage
- Transferable coverage if you sell your vehicle before your contract expires
- Fully insured program
- Direct payment to repair facility
- One deductible per visit
- Increased resale value
- Licensed claims adjusters
Four levels of protection are available: Bronze, Silver, Gold, and Platinum. Ask your loan officer for details today.
Auto Loans Starting at 1.69% APR*
No Payments for up to 90 Days
Quick Online Application & Approval
100% Financing on New & Used Vehicles**
*APR=Annual Percentage Rate. Must meet membership and credit requirements. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer is not applicable to existing ATCU loans. Promo rates for model years 2016 - 2021. Estimated monthly repayment amount of $21.56 per $1,000.00 borrowed at 48 month term. Borrower(s) may elect to defer the first payment due date up to 90 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. **Value determined by NADA for refinancing. Programs, rates, terms, and conditions subject to change without notice. The rate disclosed reflects a 0.25% discount for members with Preferred and nHanced accounts.
To learn more about Preferred and nHanced Accounts visit https://www.atcu.com/personal/personal-checking/compare-accounts.html
For more information, see an ATCU loan officer. Offer ends December 31, 2020. Insured by NCUA. ATCU NMLS# 402558