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Beat your Rate by 1% and Skip Three Months of Payments

If you’re currently financing your vehicle with another lender, now is the perfect time to make the switch to AlaTrust Credit Union. For a limited time, we’re offering an unbeatable deal: we’ll beat your current APR* rate by 1% APR* AND give you 3 months with no payments!*

Why Refinance with AlaTrust?

  • Lower Your Rate: We’ll beat your current APR by 1% APR*, helping you save money over the life of your loan.
  • 3 Months No Payments: Enjoy extra breathing room in your budget right away.
  • Keep Your Ride: No need to change vehicles—just improve your loan!
  • Local, Member-Focused Service: As a not-for-profit credit union, we’re here to help you succeed.

Ways to Take Advantage of This Offer

1. Apply Online

Apply Now!

2. Call Us: Speak with one of our Alabama local representatives at

1-800-264-8031 

3. Visit a Branch: Stop by any of our locations to discuss your options and finalize your loan.

Book an Appointment!

Don’t Miss Out—Offer Ends July 31st!

Resources

Want to run the calculations to see if this is a good choice for you? Check out our Auto Loan calculator or talk with one of our Alabama Local Representatives. 

Auto Payment Calculator 

Auto Rebate vs Low Interest Financing Calculator 

*Promotion valid through July 31, 2026. Loans include New and Used Auto Loans only. Vehicles currently and previously financed with AlaTrust are not eligible for this promotion. Loan qualifications are based on assessment of individual creditworthiness and our underwriting standards. Final approval based on multiple credit criteria, including debt ratios and sufficient disposable income. Call us at 1-800-264-8031 for full program disclosures, exclusions, terms and conditions. Members who qualify and fund a vehicle loan during the promotion period will receive a 1.00%(100bps) rate reduction off their current verified APR. This promotion has a floor rate of 3.99% 

*Deferred Payment Information: For a limited time, payments may be deferred for the first (3) months (or 90 days) from the date of the loan. Interest begins accruing on the date the loan is made.

**APR=Annual Percentage Rate

Federally Insured by the NCUA