Get Pre-Approved and Shop with Confidence
Complete an auto loan application and get pre-approved before you shop. Knowing your budget can help you shop with greater confidence and keep your monthly payments in check.
Refinance Your Auto Loan
Already have an auto loan somewhere else? MAX may be able to help you refinance your existing vehicle loan. Refinancing could give you an opportunity to change your interest rate, monthly payment or repayment term, depending on your situation and eligibility.
Current Auto Loan Rates
Competitive rates as low as 3.75%* save you money in the long run. MAX offers competitive fixed rates for qualified borrowers financing eligible new and used vehicles. Your actual APR may vary based on factors such as credit performance, vehicle year, loan term and loan-to-value ratio.
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Finance Your Car at a MAX Preferred Dealer
What would you rather do: Show off your new car or spend extra hours arranging financing? Yes, we thought so. That's why we've partnered with many local dealerships to provide you with a MAX loan at the same time you seal your vehicle deal. Search current vehicle inventories for our preferred dealers using the Find a Car search tool above.
- Your dealership will work with us to handle all the financing.
- They'll complete the paperwork and send it straight to us.
- Following approval, you will close the loan with the dealership.
- You get all the MAX benefits - competitive rate, budget-friendly repayment terms, even automatic monthly payments.
For more info, call 334.260.2600 or 1.800.776.6776 and ask about MAX auto loan financing at any MAX Preferred Dealer.
Motorcycles, Boats, RV, and ATV Loans
Does it have a motor? Maybe a seat or two or six? Can it start you down the road to adventure? Or offer needed relaxation? If the answer is yes, chances are good we can finance it. Our auto loans cover boats, motorcycle, recreational vehicles (RVs), and all-terrain vehicles (ATVs) too.
Run the Numbers
How Much Car Can I Afford? Before you shop for a vehicle, it's helpful to know what fits your budget. Use our auto loan calculator to estimate a monthly payment based on the vehicle price, down payment, loan term and interest rate.
Vehicle Values: Research accurate pricing of the vehicle you want to buy or the one you're trading in.
Run the Numbers
Time for a new vehicle? It's wise to start with what you can afford and not just what you want to drive. This calculator will show you the sweet spot between what you want and what you can afford.
Enter a preferred monthly payment, your down payment (cash you have on hand or trade-in value), the loan term you want, and the interest rate you hope to get.
Learn More
Buying a car is a big decision and this course is designed to help you feel confident every step of the way.
Add on Perks
Enjoy Extra Peace of Mind with an Extended Warranty
Car repairs can cost a bundle. You may save yourself a lot of money in the long haul by purchasing an extended warranty from our partners at Route 66. Talk with your loan processor if you're interested in purchasing an extended warranty through MAX.
Protect Your Vehicle Loan With Optional GAP Coverage
What is GAP?
Your new car becomes used as soon as you drive it off the lot. GAP, or Guaranteed Asset Protection, can help cover the difference between what you owe on an eligible vehicle loan and the vehicle's actual cash value after a covered total loss, subject to the terms of the GAP agreement.
Why might GAP matter?
If you owe more on your vehicle than it's worth, your insurance settlement may not cover the entire remaining loan balance. The result could be a financial gap where you must pay the difference between your loan balance and your insurance settlement. This could mean thousands of dollars out of your pocket.
Plus! There's Bigger Benefits to Purchasing GAP through MAX
When you purchase GAP through MAX, you get the added benefit of $1,000 towards your next auto loan (in the event of a total loss) when financed with MAX.**
Talk with your loan processor if you're interested in purchasing GAP through MAX.
Auto Deductible Reimbursement is a Can't Miss MAX Auto Loan Benefit
Get up to $500 to apply to your insurance deductible in the event you need to file a claim on your car. This benefit includes unlimited claims per year, coverage is effective immediately, and it covers all vehicles that you own and insure, even if they were not financed with MAX.***
Frequently Asked Questions About Auto Loans
What types of vehicles can I finance with MAX?
MAX offers financing for new and used cars, trucks and SUVs. MAX also offers financing for motorcycles, boats, RVs and ATVs.
Does MAX offer new and used auto loans?
Yes. MAX offers financing for eligible new and used vehicles.
Can I refinance my existing auto loan with MAX?
Yes. MAX offers auto loan refinancing options for eligible borrowers.
How do I apply for an auto loan with MAX?
You can apply for a MAX auto loan online or in any branch. You can also work with a MAX Preferred Dealer when purchasing an eligible vehicle from a participating dealership.
What determines my auto loan rate?
Your APR may vary based on factors including credit performance, vehicle year, loan term, and loan-to-value ratio.
Can I finance a car through a dealership?
Yes. MAX Preferred Dealers can submit financing applications to MAX and help complete the financing process at the dealership.
How much should I spend on a car?
The right vehicle budget depends on your income, existing financial obligations, down payment, loan term, interest rate and other expenses. MAX's vehicle payment calculator can help you estimate a potential monthly payment.
Does MAX offer GAP coverage?
Yes. GAP coverage is an optional loan protection product available through MAX for qualifying auto loans. Terms, conditions, limitations and exclusions apply.
What is GAP coverage?
GAP coverage can help cover the difference between the amount owed on an eligible vehicle loan and the vehicle's actual cash value following a covered total loss, subject to the terms of the GAP agreement.
What is Auto Deductible Reimbursement?
Eligible MAX direct auto loans may include Auto Deductible Reimbursement, which can reimburse a paid insurance deductible up to the applicable benefit limit, subject to terms and restrictions.
Does MAX offer Auto Insurance?
Yes. MAX is proud to offer insurance products through MAX Insurance Services. From daily commutes to long road trips, you want to know you're driving with a vehicle insurance policy that covers you in any circumstance. Work with MAX Insurance Services and choose from a variety of affordable policies.
How do I submit a proof of insurance?
Many auto loans require you to show proof of insurance. If you received a request from us to show proof that you have an active insurance policy, please use this secure site to submit your document(s).
Online Auto Loan Application
Apply for a MAX auto loan online and get started from wherever you are.
* For qualified borrowers. Certain restrictions apply. Rates subject to change. No additional discounts will be given. Promotion is for auto loans only. Current MAX loans do not qualify for these rates. Only new loans qualify. Rate as low as 3.75% APR available on 48-month auto loans for qualified borrowers. APR = Annual Percentage Rate. Advertised rate includes 1.00% discount for members with an active MAX checking account open for at least three (3) months and 0.25% discount for qualifying loan-to-value (LTV) rates. Other rates and terms available. Subject to credit approval.
** This is general information only. Please refer to your actual GAP Waiver Addendum (GAP) for terms, conditions, coverage, limitations, and restrictions. GAP is not an insurance policy and does not replace or eliminate the need for vehicle insurance coverage. There are exclusions and limitations for items like delinquent payments, late charges, refundable items and financing more than the allowable Loan to Value (LTV%) limit that could leave you responsible for a loan balance after the GAP benefit is applied to your loan. You may cancel GAP during the first 60 Days and receive a full refund of any fee paid. $1,000 GAP Plus benefit available in the event of a total loss when your new auto loan is financed with MAX within 90 days of your Total Loss claim.
*** Members will be reimbursed for a paid insurance deductible up to $500 on any auto that is owned and insured. This benefit is effective up to 3 years from the date of loan origination. Coverage begins for all members who open a direct auto loan with MAX beginning November 1, 2022. Additional terms and restrictions may apply.
MAX Credit Union is a full-service financial institution serving Central and East Alabama, including Montgomery, AL; Auburn, AL; Opelika, AL; Prattville, AL; Wetumpka, AL; Tallassee, AL; and Troy, AL.
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