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Auto Loans

Whether you're looking to buy a new or used car, or want to refinance your car loan from another lender, we can help. With great low rates, a fast and easy application process, you will be planning your next road trip in no time. 

New & Used Auto Loans

  • Rates as low as 5.99% APR**
  • Up to 125% financing for new vehicles based on MSRP and credit score
  • Up to 125% financing for used vehicles based on NADA Retail Value and credit score
  • Borrow up to $100,000
  • Various terms available
  • No application fees or prepayment penalties
  • Same day funding available


*APR=Annual Percentage Rate. Annual Percentage Rate may vary based on your personal credit history. Rate posted is for a 740+ FICO Credit score and 36 months. The estimated payment would be 36 monthly installments of $30.42 per $1,000 borrowed. Rate is not available to all borrowers and loan requests are subject to Align underwriting criteria. Not available for commercial purpose vehicles. Maximum age of vehicle is 10 years old. Other rates, terms, and conditions may apply. Payments reflect principal and interest only. Additional .25% rate discount if the loan to value is 70% or less. Loan to value is calculated based on loan amount and NADA or sticker price of vehicle.

Programs, rates, terms and conditions subject to change without notice. All loans subject to credit approval. Credit union membership is required.; Members must maintain a $5 deposit relationship. Amount financed includes $90 VSI Insurance.

Additional Services

Motorcycle Loans

  • Maximum age of motorcycle 5 years old
  • Up to 100% financing based on NADA retail value and credit score
  • Borrow up to $50,000
  • Various terms available
  • No application fees or prepayment penalties
  • Title vehicles only
  • Purchases and refinances from other institutions. No cash out refinances. 

Concierge Car Buying with Auto Advisors

  • A FREE service for Align Members
  • Help with determining the vehicle that fits your needs and budget
  • Assistance with negotiation purchase price, trade-in value, dealer add-ons and hidden costs
  • Advice about after-market costs and extended warranties
  • Guidance with paperwork and financing options

To learn more about Concierge Car Buying with Auto Advisors, contact us at (800) 942-9575 or email

Auto Advisors is a third party service and not an affiliate of Align Credit Union. Use of this service is subject to the terms and conditions of Auto Advisors of New England LLC.

Search and Shop with AutoSmart

  • A FREE service for Align Members
  • Research and compare vehicle models and types
  • Find new and used autos from dealerships near you
  • Apply for credit union financing directly through one convenient site


AutoSmart is a third party service and not an affiliate of Align Credit Union. Use of this service is subject to the terms and conditions of CU Direct Corporation and its CUDL service.


Give your budget a boost with Align’s Skip-A-Payment Program*! Take a break from your loan payment and put some extra cash in your pocket to cover bills and expenses.

  • $35 processing fee per deferred payment
  • Skip-A-Payment is offered on Auto, Personal, MassSave HEAT, Motorcycle, and Recreational Vehicle Loans
  • Loan must be open for a minimum of six (6) months to be eligible for Skip-A-Payment
  • Membership must be in good standing




*Your account must be in good standing. This means all loans and account balances must be current and in good standing when the Skip-A-Payment agreement is received by the Credit Union. If a loan was 30 days or more delinquent in the previous 6 months, it is not eligible to Skip-A-Payment. If any borrower on the loan has filed for bankruptcy, the loan is not eligible for Skip-A-Payment. This offering is not available on loans during the first 6 months of your loan agreement. Maximum (2) two skipped payments per calendar year and (4) four skipped payments for the life of the loan. There must be a minimum of (4) four timely monthly payments between skipped payments. No consecutive skipped payments will be allowed. This offer is for closed-end consumer loans only and excludes all real estate secured loans including Mortgages, Home Equity Lines of Credit, Overdraft Lines of Credit, Credit Cards and Commercial loans. Only personal, MassSave HEAT, automobile, motorcycle, and recreational vehicle loans are eligible. You may Skip-A-Payment on more than one loan for a $35 processing fee for each loan. If you choose to have the processing fee(s) deducted from your Credit Union savings or checking account, the funds must be available for withdrawal. Finance charges will continue to accrue on a daily basis at the Annual Percentage Rate set forth in your loan agreement, both during and after the deferral period. This means that this deferral of scheduled payments will result in having to pay higher total Finance Charges and possibly a greater total number of payments, than if you made these payments as originally scheduled. This means additional payment(s) may be due after the loan would have originally been paid off. You agree to contact the Credit Union for exact payoff information. Your next monthly payment will include the finance charges accrued from the skipped month. If you elected GAP coverage, your coverage may not be extended beyond the original maturity date. The expiration dates of GAP coverage, accident, life, disability, or other insurance will not be extended from the terms outlined on your original loan agreement.  All other terms of your original loan agreement will remain the same. Align Credit Union reserves the right to revoke this offer at any time if your loan does not meet the criteria for this program, which include, but are not limited to: market conditions; no bankruptcy; and a satisfactory payment record.

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