Better rates make for a better ride

All auto loans are not created equal. Sure, you can get one at a dealership. You could apply at a bank. You could get some random loan online. Or, you can turn to your credit union for lower rates, fewer fees and the we-make-life-easier attention that makes buying a breeze. Sounds like a no-brainer, doesn’t it?

Black Wednesday Is Almost Here!

Get ready for the biggest loan sale of the year, coming soon on November 24th. You’ll get a great deal with year-round savings when you finance or refinance your auto or finance a new personal loan.

Applications open online at 7:00 AM CT and the earlier you apply, the more you can save. And remember: these deals are only available on Black Wednesday, November 24th.*


*Application and membership with Alabama One Credit Union is required. This offer is not valid on loans currently held at Alabama One Credit Union. Applicant must apply online or in person on Wednesday November 24th from 7AM – 5PM CST to receive this special offer. Standard underwriting guidelines will apply.

Vehicle Loans                                                                     

Vehicle Purchase

Whether you are purchasing a used car, a new truck or your dream SUV, we make the new-vehicle loan process easy. We don’t charge processing or application fees and we’ll also offer you:

  •     Rates as low as 1.99% APR*
  •     Terms up to 84 months**
  •     Pre-approvals; know your budget before you shop
  •     Financing based on loan-to-values determined by NADA Guides

Apply Now!

Alabama ONE Auto Mall

Looking for your next vehicle? Shop with ease and confidence with our FREE auto buying service. We can help you select the right vehicle, save some serious cash, and have your new car/truck/SUV delivered to you. Don’t shop alone. Visit our Auto Mall and let us help put you in the driver’s seat of the car of your dreams.


Customized service based on your needs

Access to high-quality dealer inventory

We handle all dealer communication

Confirmed vehicle availability… no useless trips!

We review the CarFax report with you

Ensure fair pricing (no overpaying)

We work to get you a fair trade-in allowance

Partner with your Alabama ONE loan officer for stress-free financing

Coordinated vehicle delivery to your nearest branch, home, or office!

Visit the Auto Mall



Looking for a reason to ditch that overpriced loan on your current vehicle? We can help with that. Refinancing makes sense when you find yourself in one of these situations:

  •     You want to lower your loan payments
  •     Your credit score has improved and you may qualify for a lower rate
  •     You want to remove or add a co-applicant from your loan

Let’s talk about refinancing your loan today. To speak with a loan officer, call us at (334) 215-7328.

Apply Now!

*Interest begins accruing on the date the loan is booked. ** Payment Example: For a term of 36 months, your monthly payment will be $28.64 per $1,000 borrowed at 1.99% APR.

Education is Everything. Learn more about auto loans.


Extended Warranty and Gap Advantage

Extended Warranty

What would you do without your car?
How would you pay for mechanical repairs during tough economic times?

These are hard questions, but very important ones. One thing that people rarely seem to plan for is what to do if a vehicle breaks down.

We always suggest protecting yourself against costly repairs. Alabama One now offers the finest vehicle warranty in the industry. Stop in and let us share with you how we can add the warranty to any vehicle that you currently have or are looking to buy.

Our warranty protections include:

  •     Multiple coverage options
  •     Zero deductible
  •     Nationwide coverage
  •     24/7/365 emergency roadside assistance
  •     30-day moneyback guarantee
  •     Transferable coverage
  •     Trip interruption coverage
  •     Direct-claim payments via VISA/MasterCard


Gap Advantage

In most circumstances, your vehicle is worth a lot less the second you drive it off the lot. Protect the investment made in your vehicle with GAP Advantage.

Okay, so here’s the scenario:  You’ve had your car for a year and still owe around $15,000 on it. You get in an accident (not your fault, of course), and your car is totaled. Your insurance company determines your car was worth $12,500, and that’s how much they’re planning to pay you — minus your deductible. But you still owe $15,000 — what are you supposed to do? Make up the difference? And then you still have to buy another vehicle. Needless to say, you’re in a bind.

This is where GAP Advantage could get you out of that bind and into a new car. Because GAP Advantage, with GAP standing for Guaranteed Asset Protection, would not only cover the “gap” amount of $2,500, (1) but it also would give you $1,000 toward the purchase of a new vehicle. (2)

Just to be clear:  GAP Advantage isn’t designed to replace your auto insurance; it’s designed to supplement it. To fill in the “gaps” and make you financially whole. Which is what we all want to be, right?

Stop by any Alabama ONE branch to learn more about GAP Advantage.


1 Less delinquent payments, late charges, refundable service warranty contracts and other insurance-related charges. 2 If the replacement vehicle is financed or leased with the financial institution that the totaled/stolen vehicle was financed or leased through.


Additional protection for you

There’s no such thing as being too protected when it comes to your financial wellness. With this in mind, we can help you out with some additional coverage options designed to protect you, your family and your investment.

Debt Protection

Credit life insurance is designed to pay off outstanding debts in the event of the debtor’s untimely death. Basically, it protects remaining family or loved ones from having to repay the debt.

Credit Disability

Credit disability insurance, as the name implies, will pay off outstanding debt in the event the debtor is disabled and can no longer work and make monthly payments.

Extended Warranty

Most new vehicles, and some pre-owned ones, come with some kind of warranty. However, if you’re interested in purchasing warranty protection above and beyond that, we’ll work hard to get you the coverage you need at an affordable price.