Altovias Bank

Borrow

Auto Loans

Finance a new or used vehicle, or refinance an existing loan, with rates that are published and payments you can plan around.

Apply now

New and used

Financing for vehicles up to 10 model years old.

Refinance

Move an existing auto loan and lower your rate or payment.

Pre-approval

Know your budget before you visit a dealership.

At a glance

Vehicles
New and used, up to 10 model years old
Terms
24 to 84 months for new vehicles and 24 to 72 months for used
Minimum amount
$5,000
Pre-approval
Your rate is locked for 45 days
Application fee
None
Refinancing
Available for loans at least six months old

Shop with confidence

Get pre-approved online and use the pre-approval like cash at any dealership. Your rate is locked for 45 days.

  • Terms from 24 to 84 months
  • Rate discount for autopay from a Altovias account
  • No application fee

Protect the vehicle you finance

Gap coverage and mechanical protection are optional, priced clearly and can be cancelled for a prorated refund.

  • Compare coverage before you buy
  • Insurance verification handled online
  • Title transfer support

New, used or refinance

The same application covers each situation.

  • New vehicles with terms up to 84 months
  • Used vehicles with terms up to 72 months
  • Refinancing an existing auto loan to lower the rate or payment

Protecting the vehicle you finance

Gap coverage and mechanical protection are optional and can be cancelled for a prorated refund. Compare the coverage and the cost before you decide.

  • Insurance verification is handled online
  • Coverage prices are shown before you buy
  • Title transfer support is available

Finance a vehicle

  1. 1

    Get pre-approved

    Apply online so you know your budget before you visit a dealership.

  2. 2

    Choose your vehicle

    Use the pre-approval like cash at the dealership within 45 days.

  3. 3

    Complete the loan

    Confirm the final amount and term, and accept in online banking.

  4. 4

    Make your payments

    Pay from online banking or set up autopay for a rate discount.

Frequently asked questions

Quick answers about auto loans.

What down payment do I need?
A down payment lowers your rate and payment, but is not required for well qualified borrowers.
Can I refinance?
Yes, if the loan is at least six months old and the vehicle meets our age and mileage guidelines.
How do I make payments?
Use online banking, autopay or a branch.
How old can the vehicle be?
Financing is available for vehicles up to 10 model years old that meet our mileage guidelines.
How is my rate decided?
It depends on the term, the vehicle and your application. Published starting rates are on the Rates page.
Can I make extra payments?
Yes, at no cost. Extra payments go to principal and shorten the time you owe.

Related products and guides

Personal Loans Mortgages Checking Accounts Rates

Rates, fees and terms are subject to change. See Disclosures.

Ready to get started?

Open an account online in about ten minutes, or talk to us first. You will need your address, date of birth and an email address.

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