Credit union · NCUA insured
Alliant Credit Union Auto Loan Rates
Alliant Credit Union auto loan rates start at 5.84% APR. Rates checked October 16, 2026.
How Alliant Credit Union’s auto loan rates compare
Compared with banks and credit unions nationwide. New vehicle, lowest advertised APR first.
This credit union’s lowest
Alliant Credit Union
5.84%APR
- Terms
- up to 60 months
New Vehicle Rate
Lowest rate
SUNY Fredonia Federal Credit Union
1.90%APR
- Terms
- 12–60 months
2nd-lowest rate
Longshoremen's Local 4 Federal Credit Union
1.99%APR
- Terms
- up to 84 months
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Vehicle Rate
Must be or become an Alliant member. Terms up to 84 months available. Includes automatic payment option; rates are 0.4% higher without automatic payment option. A 0.50% APR discount is available when using the Alliant Car Buying Service powered by TrueCar for new untitled vehicles up to 60 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.34% | Advertised rate includes automatic payment option (0.4% higher without). Monthly payment approx. $19.49 per $1,000 borrowed. |
| up to 60 months | 5.84% | Advertised discounted rate (0.50% lower) requires automatic payment and purchasing through the Alliant Credit Union Car Buying Service (TrueCar certified dealer) with a certificate generated within 90 days. Applies to new, untitled vehicles. Monthly payment approx. $19.26 per $1,000 borrowed. |
Sources (2)
All captured Oct 6, 2026
Tesla New Vehicle Rate
Available for new Tesla models only. Must be or become an Alliant member. Loan approvals valid for 60 days. Advertised rates include automatic payment option; rates are 0.4% higher without automatic payment option.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 5.99% | Advertised rate includes automatic payment option. Monthly payment approx. $19.33 per $1,000 borrowed. |
| up to 84 months | 6.24% | Advertised rate includes automatic payment option. Monthly payment approx. $14.72 per $1,000 borrowed. |
Sources (2)
All captured Oct 6, 2026
Tesla Used Vehicle Rate
Available for used Tesla models only. Must be or become an Alliant member. Loan approvals valid for 60 days. Advertised rates include automatic payment option; rates are 0.4% higher without automatic payment option.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.34% | Advertised rate includes automatic payment option. Monthly payment approx. $19.49 per $1,000 borrowed. |
| up to 84 months | 6.59% | Advertised rate includes automatic payment option. |
Sources (2)
All captured Oct 6, 2026
Tesla Vehicle Refinance
Available for refinancing Tesla vehicles. Must be or become an Alliant member. Advertised rates include automatic payment option; rates are 0.4% higher without automatic payment option. Rates are 1% higher when refinancing an existing Alliant loan. Member responsible for title transfer fees.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.34% | Advertised rate includes automatic payment option (0.4% higher without). Rates are 1% higher when refinancing an existing Alliant loan. |
| up to 84 months | 6.59% | Advertised rate includes automatic payment option (0.4% higher without). Rates are 1% higher when refinancing an existing Alliant loan. |
Sources (1)
- alliantcreditunion.org/borrow/tesla-financing · captured Oct 6, 2026
Used Vehicle Rate
Must be or become an Alliant member. Advertised rate includes automatic payment option; rates are 0.4% higher without automatic payment option. Lease buyout loans offered through partner Lease Maturity are not applicable for standard advertised rates.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.59% | Advertised rate includes automatic payment option (0.4% higher without). Monthly payment approx. $19.61 per $1,000 borrowed. |
Sources (2)
All captured Oct 6, 2026
Used Vehicle Rate 10-15 years
For vehicles 10-15 years old. Must be or become an Alliant member. Advertised rate includes automatic payment option; rates are 0.4% higher without automatic payment option.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 9.59% | Advertised rate includes automatic payment option (0.4% higher without). For vehicles 10-15 years old. |
Sources (1)
- alliantcreditunion.org/borrow/credit-union-car-loan · captured Oct 6, 2026
Vehicle Refinance
Must be or become an Alliant member. Advertised rates include automatic payment option (0.4% higher without). Refinancing from other lenders is available; member responsible for title transfer fees. Rates are 1% higher when refinancing an existing Alliant loan.
| Terms | APR | Conditions |
|---|---|---|
| up to 60 months | 6.59% | Advertised rate includes automatic payment option (0.4% higher without). Rates are 1% higher when refinancing an existing Alliant loan. |
Sources (1)
- alliantcreditunion.org/borrow/credit-union-car-loan · captured Oct 6, 2026
Who can join Alliant Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in an eligible community near Alliant's Chicago headquarters are eligible for membership.
Employers and groups
- Individuals who work for or retired from a business partner of Alliant are eligible for membership.
Family and household
- Immediate family members or domestic partners of a current Alliant member are eligible for membership.
Other ways
- Applicants who do not meet other criteria can qualify by joining the Alliant Credit Union Foundation, with Alliant paying the $5 membership fee on their behalf.
Cost to join
- Membership application is free with no membership fees, dues, or charges.
Membership information collected October 5, 2026.