Auto Loans
Fully loaded financing for your next ride.
Auto Loans from Alcon Employees Federal Credit Union make it easy to buy or refinance your car with confidence. Finance a new or used vehicle, or bring us your current loan to see if we can lower your payment. With low, fixed rates, flexible payment options, and protection choices like GAP and TruStage® insurance, we help you get the car you want while keeping your budget on track
Plus, get a gas card up to $100* from now until June 30, 2026, when you finance or refinance an auto loan with Alcon Employees FCU!
*Loans of $5,000 to $14,999 qualify for a $50 gas card. Loans over $15,000.00 qualify for a $100 gas card . Gas card promotion valid until June 30, 2026. Offer valid for new & used auto loans and external auto refinances only—existing Alcon Employees FCU auto loans do not qualify. Rate is based on creditworthiness, loan term, and collateral type. Maximum term subject to credit approval and vehicle age. All loans subject to credit approval, membership eligibility, and verification of current outside loan documentation (refinances only). Federally insured by the NCUA
Financing that fits your life and your budget.
Whether you’re buying your first car, upgrading your ride, or refinancing from another lender, we’re here to help you every step of the way.
Features:
New and used vehicles – buy or refinance
Up to 100% financing available for qualified borrowers
Low, fixed rates
Flexible payment options to fit your budget
Fast pre-approvals
Loan protection and insurance options from TruStage®
GAP coverage for added peace of mind
Car-buying service support
How does it work?
Three simple steps to get on the road.
Apply online or in person
Share a few basic details about yourself and the vehicle you’re buying or refinancing.
Review approval and terms
We’ll let you know how much you qualify for, your rate options, and your estimated payment.
Sign and drive
Take your pre-approval to the dealer or finalize your refinance. Once your loan is complete, you’re ready to drive with confidence.
Auto Loan FAQs
How do I apply for an auto loan?
You can apply online, by phone, or in person at our branch. The application only takes a few minutes to complete.
Can I get pre-approved before I shop?
Yes. Getting pre-approved is a smart way to know your budget and make sure your payment fits your life before you visit the dealership.
Do you finance used cars or just new ones?
We finance both new and used vehicles. We can also refinance existing auto loans from other lenders.
Is there a penalty if I pay off my auto loan early?
No. You can make extra payments or pay off your AEFCU auto loan early without a prepayment penalty.
Can I add protection to my auto loan?
Yes. You can add GAP coverage and TruStage® protection options to help cover unexpected events and protect your budget.
Why Choose Alcon Employees FCU?
Friendly, personal service you can trust
Local decisions and fast support
Secure digital tools that fit your life
Member-owned and not-for-profit
Proudly serving Alcon employees, contractors, and their families.