Auto Loans
Fully loaded financing for your next ride.
A car should make life easier. The payment should, too.
Whether you’re looking for a reliable way to get to work, more room for your family or a lower payment on the vehicle you already drive, start by telling us what you need.
We’ll look at the whole picture with you, explain your options and help you find a way forward that fits your life and your budget.
Start with what you need.
You don’t have to know which loan, term or protection option is right for you. That’s what we’re here to help you figure out.
Alcon Employees FCU can help you:
Finance a new or used vehicle
Refinance a vehicle loan from another lender
Explore financing for up to 100% of the vehicle’s value, if qualified
Choose a fixed rate and payment that work for your budget
Get pre-approved before visiting the dealership
Understand GAP and loan-protection options
Find a vehicle through our car-buying service
Know your options before you shop.
A pre-approval can give you a clearer picture of what you can afford before you begin looking. You’ll know your available financing, estimated payment and budget before you sit down at the dealership.
That means fewer surprises and more confidence when it’s time to choose your vehicle.
What happens next?
Tell us what you’re trying to accomplish.
Apply online, call us or stop by. Share a few details about yourself and the vehicle you’re considering—or the loan you would like us to review.
See what is possible.
We’ll look at the whole picture and clearly explain the amount, rate, payment and terms available to you.
Move forward with confidence.
Take your pre-approval to the dealership or let us help complete your refinance. You’ll know what you’re agreeing to, what happens next and who to contact if you need help.
Protection that fits the bigger picture.
The loan payment is only one part of owning a vehicle. An accident, theft or other unexpected event can create additional financial stress.
We can explain available GAP coverage and TruStage® protection options, what they cover and what they cost. Then you can decide whether either option makes sense for you.
Auto Loan Questions
Can I get pre-approved before I shop?
Yes. A pre-approval helps you understand your available financing and estimated payment before you visit the dealership. It can give you a clearer budget and make comparing vehicles easier.
Do you finance both new and used vehicles?
Yes. We finance qualifying new and used vehicles.
Can you help me lower my current car payment?
Possibly. If your vehicle loan is with another lender, we can review the rate, payment and remaining balance with you to see whether refinancing could improve your situation.
How do I get started?
You can begin online, call us or visit the branch. If you aren’t sure what to ask for, simply tell us what you’re trying to accomplish. We’ll help you identify the right next step.
Can I pay my loan off early?
Yes. You can make additional payments or pay off your Alcon Employees FCU auto loan early without a prepayment penalty.
What are GAP and loan protection?
These options may help protect you and your budget when something unexpected happens. We’ll explain how each works, what it costs and whether it fits your situation before you decide.
Let’s see what will work for you.
The right vehicle matters. So does having a payment you can comfortably manage.
Tell us what you’re trying to make possible. We’ll listen, look at the whole picture and help you understand your options.