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vehicle LOANS
Accelerate Your Dreams: Vehicle Loans from AltaOne
We believe in making your buying experience smooth and stress-free. Our vehicle loans offer competitive rates, flexible terms, and personalized service tailored to your needs. Whether you're purchasing a new or used vehicle, our dedicated team is here to help you drive away with confidence. Choose AltaOne for your vehicle loan and enjoy the journey with peace of mind.
Auto Loans
Looking for a seamless and affordable auto loan experience? AltaOne Federal Credit Union offers competitive rates, flexible terms, and personalized service to help you drive away in your dream car. Our auto loan options are designed to fit your budget and lifestyle, with quick approvals and easy online application processes. Trust us to make your car-buying journey smooth and stress-free.
New and used auto options.
Refinance an existing auto loan.
Up to 125% of invoice or wholesale value on new and used autos.
Up to 84-month terms.
Motorcycles
Ready to hit the open road on a new motorcycle? We offer tailored motorcycle loans with competitive rates and flexible terms. Our streamlined application process ensures quick approvals, so you can focus on enjoying the ride. Whether you’re buying your first bike or upgrading to your dream motorcycle, we’re here to help you every step of the way.
Up to 125% of retail value on new and used motorcycles.
Up to 84-month terms.
Off-Road Vehicles/Personal Watercraft/Snowmobiles/Utility Trailers
Adventure awaits! Whether you’re financing an off-road vehicle, personal watercraft, snowmobile, or utility trailer, we offer specialized loans with competitive rates and flexible terms. Our easy application process and quick approvals ensure you’ll be ready for your next adventure in no time.
Up to 100% financing on new off-road vehicles.
Up to 90% retail value or appraised value, whichever is less, on used off-road vehicles.
Up to 60-month terms.
RV Loans
Embark on your next adventure! We offer competitive rates and flexible terms to make your dream of RV ownership a reality. Whether you're looking for a motorhome, travel trailer, or camper, we have the financial solutions to get you moving.
Up to 115% financing on new recreational vehicles.
Terms up to 240 months.
Boats
Set sail on your dream boat! We offer competitive rates and flexible terms tailored to fit your needs. Our streamlined application process and quick approvals make financing your boat easy and hassle-free. Whether you're looking for a sailboat or fishing boat, we’re here to help you navigate the waters with confidence.
Up to 100% of retail value with terms up to 144 months.
Give Yourself Peace of Mind with AltaOne’s Protection Programs
GAP Advantage
A totaled car doesn’t have to be a total loss
Will your insurance cover your auto loan in the event of a total loss or theft? Probably not. In most cases, your insurance will fall short of covering the full balance of your auto loan at the time of loss, leaving a substantial amount of the loan balance for you to cover. Guaranteed Asset Protection (GAP) can help!
Speak with one of our representatives to find out how you can add GAP Advantage to your next or existing auto loan.
Due to regulations in California, Guaranteed Asset Protection (GAP) cannot be financed for active
- duty military and their families. This includes any single premium product that has a debt cancellation feature.
The purchase of GAP Advantage is voluntary and cannot be required as a condition of loan approval. GAP Advantage is a loan deficiency waiver and is not offered as insurance coverage in most states. The description above is not a contract and the contents are limted by its size. It only provides a general summary of the plan options that are available. Be sure to read your specific contract as all benefits are subject to the terms and conditions of that contract. Skipped or missed payments, late charges, refundable service warranty contracts, and other insurance-related products, and interest charged after the date of loss will be deducted from the settlement. Loans originated within one year are eligbile for GAP Advantage. Certain exclusions may apply.
Administered by SWBC. License #2870.
Major Mechanical Protection
Protect your vehicle well beyond the manufacturer’s warranty
Manufacturer warranties can be valuable, but the protection they provide is limited. AltaOne’s Major Mechanical Protection service contract allows you to supplement your manufacturer’s warranty, providing services such as towing, rental reimbursement, and roadside assistance, as well as repair costs after your warranty expires. These policy options are not only priced lower than extended warranties of dealerships but also offer a more affordable premium.
Many options and exclusions exist for Major Mechanical Protection, including abuse, misuse, or lack of customary maintenance apply. Refer to the agreement for a complete list of exclusions and conditions of coverage. In California, our Major Mechanical Protection is an insurance policy issued by American Mercury Insurance Company and administered by Mercury Select Management Company, Inc.
Debt Protection
Protect what matters
Life is unpredictable. There are a wide range of unexpected events that could leave you and your family scrambling to pay monthly bills. That’s why it is important you take action to safeguard your family against these types of events to ensure loan payments can be paid on time. That’s where Debt Protection comes in.
Under the Debt Protection program, you loan balance may be canceled or your monthly loan payments canceled without penalty or added interest. You benefit from the peace of mind knowing you and your credit rating are protected - and most importantly - that your family is protected.
Debt Protection is available for: closed-end consumer loans if the loan has a term of 120 months or less; consumer lines of credit; and credit cards. Coverage options for death, disability and involuntary unemployment are available. Not available for Credit Builder loans. Talk to us to find out which plan is best for you.
Debt Protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you may have with the credit union. We will give you additional information before you sign your loan agreement. This information will include a copy of the contract containing the terms and conditions of Debt Protection. Eligibility requirements, conditions, and exclusions apply. There are eligibility requirements, conditions and exclusions that could prevent you from purchasing Debt Protection benefits from us. You should carefully read your Debt Protection contract for a full explanation of the terms and conditions of the program. Not available for Credit Builder loans.
