Vehicle Loans

ACU finances for up to six year and up to 100% of the purchase price on a loan secured by a vehicle, new or used. You can apply online at any time to take advantage of our great rates, fast approval and home town service.

Car Guides
New and Used Vehicle Price Guides *

• NADA Appraisal Guide
• Kelley Blue Book
• AutoMallUSA.Com
• Edmunds Auto Buyers Guide
• Carpoint.Com

Make your best deal by calling or stopping by the credit union and obtaining the information in these guides. Guides for used motorcycles and personal water craft are also available at our offices.

*By clicking these links you will be leaving Alliant Credit Union's web site. The links are meant for entertainment and education and do not constitute an endorsement of any kind. The Credit Union has no control over the content offered by these sites. Thank you.

TOP

Vehicle History Report
Don't Risk Buying the Wrong Used Car

Do you know if the used car you are about to purchase has a hidden problem in its past? Was it totaled and rebuilt, damaged in a flood or had the odometer rolled back? A CarFax ® Vehicle History report identifies whether a used car or truck has hidden problems like these that can affect its safety, performance, and resale value.

Reports from the website can be purchased via credit card for $11.25. Phone requests are $18.00 and will be mailed or faxed to you.

How do you get a CarFax report? Credit union members can call CarFax for Credit Unions toll-free at 1-888-888-1615 or visit www.carfax4cu.com on the Internet to request a report. Vehicle histories are traced using the 17-digit Vehicle Identification Number (VIN) found at the top of the driver's side dashboard and on title documents of the car, so make sure you have that number handy.

Before you make that important used-car decision, get a CarFax report. Then, after you have selected the right car or truck for you, check into the low rates and convenient terms of our used-vehicle loans. Call Alliant Credit Union at 1-800-928-4328.

TOP

Extended Warranty
Take time to protect your investment by purchasing a Vehicle Service Contract (VSC). This product provides excellent on your vehicles.

• Bumper to Bumper coverage available on new and used vehicles.
• Towing/Road Service, Lost Key/Lockout Service, CarRental/Trip Interruption Benefits.
• Protection against the skyrocketing costs of future repairs - one claim could easily pay for the entire cost of the coverage.
• Your choice of repairing facility (dealer preferred).
• Ease of purchase - a Vehicle Service Contract can be added to your vehicle loan.
• Seals and gaskets are covered on components listed for your new and used vehicle.
• Fully transferable coverage should increase the value of your car at the time of resale.
• Replacement or repair of covered components which fail under normal service or wear beyond the field tolerances allowed by the manufacturer.
• Battery service on bumper-to-bumper coverage.

The average family drives 18,000 - 20,000 miles per year. In this amount of time, your vehicle may be out of manufacturer's warranty in less than 2 years.

Calculate GAP and Extended Warranty through Cuna Mutual Calculator

Example of Extended Warranty Benefits:
You're on vacation four years from now, driving cross country, over 100 miles from home and you experience transmission problems. You have your vehicle towed to a licensed repair station. They tell you it is going to be a day or so to repair! So you rent a car and check into a hotel. Food expenses and waiting for repairs to be completed cost money.

TOP

GAP Advantage (Guaranteed Auto Protection)
Guaranteed Auto Protection Advantage is a loan deficiency waiver and is not offered as insurance coverage. The GAP Advantage program offers protection against financial liability for individuals who finance a new or used vehicle. GAP Advantage protects against financial loss in the event that your vehicle is damaged beyond repair (totaled) or stolen and never recovered. With GAP Advantage, the covered deficiency balance is then waived. Additionally, you will receive $1,000 towards the purchase of a replacement vehicle if you refinance with ACU.

What does GAP Advantage cover?
In today's vehicle market, during the first few years that you own your vehicle, the loan balance can be higher than the actual value of your vehicle, as a result of depreciation. As your vehicle's value declines, your loan balance can be significantly higher. If your vehicle is stolen, or totaled in an accident, you would be liable to pay the difference between your insurance settlement and your outstanding loan balance.

GAP Advantage covers the difference between the market value of your vehicle and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges. In the event a deficiency exists, our program will cover your insurance deductible up to $1,000.

Without GAP Advantage coverage, you would be required to pay $3,000 in order to pay off your loan balance. Plus, you would not have an extra $1,000 toward your replacement vehicle.

TOP