Auto Loans
Fully loaded financing for your next ride.
See More Savings Ahead
You help the world see clearly. Let us help you see a smarter way to drive.
Finance a new or used EV or hybrid vehicle with Alcon Employees FCU and enjoy:
90 Days No Payments*
Take your new ride home today and delay your first payment for up to 90 days.
Lower Fuel Costs
Save money on every mile with a fuel-efficient vehicle.
More for What Matters
Keep more money in your budget for the things you enjoy most.
Offer valid July 1 – September 30, 2026.
*Offer valid on new and used electric vehicle (EV) and hybrid vehicle loans financed with Alcon Employees FCU between July 1, 2026, and September 30, 2026. Existing Alcon Employees FCU auto loans do not qualify for refinance under this promotion. Deferred payment option ("90 Days No Pay") available for qualified borrowers. Interest will continue to accrue during the deferment period, which may increase the total cost of the loan. Regular monthly payments will begin following the deferment period as outlined in the loan agreement. All loans are subject to credit approval, membership eligibility, vehicle qualification requirements, and Alcon Employees FCU lending policies. Offer may be modified or discontinued without notice. Other restrictions may apply. Alcon Employees FCU is federally insured by the National Credit Union Administration (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.