St. Louis Auto Loans For New And Used Cars | Alltru Credit Union

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Home Personal Loans Auto Loans

No Car Payments ‘Til June!

For a limited time, bring us your auto loan and enjoy your first 90 days payment-free 1 . Offer ends April 30th.

Lower payments. Bigger dreams .

There’s nothing quite like the feeling of a new – or even new-to-you – car or truck. Alltru Credit Union can help get those keys in your hand a lot faster than you think. And if you already have the car of your dreams but would like to take advantage of today’s low rates , we can help you refinance your current loan, too.

Alltru Auto Loan



up to 36 months Apply now

*View full rate information and qualifiers .

Alltru Auto Loan Features

Low rates and flexible terms up to 84 months.

Financing up to 120% of MSRP.

No hidden fees.

And no pre-payment penalties.

Security, guaranteed.

Payment protection so you can stress less and live more.

Manage your money – anytime, anywhere.

24/7 account access to our easy-to-use app.

Alltru Auto Loan Rates
Type Term As low as APR*
Auto Loan

New / Used 2018-Newer

Up to 36 months


37 to 48 months


49 to 60 months


61 to 72 months


73 to 84 months


Sign up for automatic payments and get a 0.25% rate discount.*

Preapproval Made Easy

Get preapproved for faster car buying.

Start the application process today – even if you don’t have the exact car picked out yet. This can make your purchase process a lot faster. Don’t spent hours at the car dealer waiting to drive away in your new car. We’ll make it easy. Here’s how.

Submit your application.

To get the loan process started, first submit an online loan application. You can also apply by calling 636-916-8300. (Remember, you’ll have to be an Alltru member first – but we can help with that, too. )

Get preapproved.

We will process your application and notify you when your preapproval is completed, usually the same day.

Negotiate the best deal.

Be sure to bring your loan preapproval to the dealer, as this will give you maximum leverage and help you negotiate the best deal.

Complete your loan documents.

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using DocuSign.

Finalize your financing.

We’ll send the funds to you or the dealer.

A Simple Way to Refinance

We’ll save you money.

Looking for a lower rate on your current car loan? We can help with that. At Alltru, we make the refinancing process easy and hassle-free.


Bring us your auto loan from another lender and enjoy NO payments for your first 90 days 1 !

Apply now Alltru Loans

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“Alltru helped me finance my very first car.”

Andrew Alltru Member

“I like that I can do skip-a-payment on my loan and that it’s really flexible.”

Meaghan Alltru Member

“Everyone is so nice when I go into the branch. The service is great.”

Matthew Alltru Member

Not all car loans are created equal.

As you’re shopping for cars, be sure to look at the fine print and look at the rates and fees. Wondering how much that rate difference will save you? We have the answer.

Visit payment calculators

Looking for help paying your loan?

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We’re in your neighborhood.

We are St. Louis, through and through. We have branches throughout the metro area. Plus, as a member you’ll have free access to hundreds of local ATMs.

Schedule an appointment Find a location

Phone: 636-916-8300

Toll Free: 1-800-288-7618

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*APR=Annual Percentage Rate. Rates effective 1/23/23. Rates are subject to change.

1 90 days no payment offer only for qualified borrowers. Offer available for new auto loans and auto loan refinancing. Interest still accrues during the 90 day deferral period. 90 days no payment offer ends on 04/30/23. Additional criteria may apply. Loans are subject to credit approval. Floor rate is 4.09% APR. Maximum rate is currently 17.99% APR. Rates can vary based on creditworthiness, age of vehicle, and terms of the loan. Your actual rate can be higher or lower depending on credit performance. Credit scores 599 and lower not eligible for 90 days no payment offer. Rates & terms subject to change based on market conditions and borrower eligibility. Before you can refinance your loan at Alltru, a savings account is required with a minimum account balance of $1.00. Alltru does not charge a fee to refinance your loan. Other title and licensing fees may apply. Minimum loan amount of $5,000. Membership and certain restrictions apply. Existing Alltru auto loans do not qualify for this promotion.

Autos include cars, trucks, and vans. Rates depend on mileage; restrictions may apply. See Credit Union representative for additional information. Sign up for automatic payments and receive a 0.25% rate discount. Available for new/used vehicles 2018-newer. For vehicles 2017 and older, call the Credit Union.

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

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