Banks.com
All lenders
Best for: Members who want a published as-low-as rate and same-day approval

Alliant Credit Union

Alliant — published 60-month APR floors, terms to 84 months, and a 0.50% discount for using its Car Buying Service.

Min credit
Not disclosed
APR
6.34%–9.59%
Max vehicle age
15 yrs
Max mileage
Not disclosed

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

"Not disclosed" means Alliant Credit Union does not publish this on their public site. "No restriction" means Alliant Credit Union explicitly states no limit.

Overview

Alliant Credit Union is a 100% digital, not-for-profit credit union. Its public auto-loan page lists "as low as" 60-month APRs of 5.89% (new), 6.14% (used), and 6.14% (refinance), with a separate higher-priced tier for vehicles 10–15 years old at 9.14%.…

What’s great

  • Published 60-month APR floors by product
  • Terms up to 84 months for new and used auto loans
  • 0.50% APR discount when using the Alliant Car Buying Service
  • No prepayment penalties
  • Same-day approval in many cases

What to know

  • Membership required (no-cost path available via Foster Care to Success)
  • FICO floor, mileage cap and refinance loan amount limits are not published
  • Lease buyouts are processed by a third party (Lease Maturity), not Alliant directly

Eligibility

Minimum credit scoreNot disclosed
APR range6.34% – 9.59% (60-month "as low as" floors: New 6.34%, Used 6.59%, Refinance 6.59%; Used vehicles 10–15 years old start at 9.59%. Add 0.50% APR discount when using the Alliant Car Buying Service)
Maximum vehicle age15 years
Maximum mileageNot disclosed
Loan amount rangeNot disclosed
Term lengthUp to 84 months
States servedNo restriction
Membership requirementOpen to anyone — Alliant offers a no-cost membership path through its partnership with Foster Care to Success

FAQ

See your matched lenders and get prequalified. Takes ~3 minutes.

Get matched to lenders and prequalify on banks.com

Sources

Every figure on this page is sourced from Alliant Credit Union's own published materials. Rates, eligibility, and terms can change — verify directly with Alliant Credit Union before applying.

  1. [1]Alliant Credit Union — Auto loans page (60-month APR table by product, terms up to 84 months, 0.50% APR discount with Car Buying Service, no prepayment penalties, same-day approval in many cases) — Alliant Credit Union
    https://www.alliantcreditunion.org/borrow/credit-union-car-loan
    Last checked: October 2026