Routing Number 262277189


Buying a new or used car, truck or SUV is a fun, exciting moment to remember. At Alabama ONE, we want our members to have an amazing buying experience without stressing over the details. We want you to focus on the type of vehicle you want, its color, accessories, etc. and we will take care of the rest.

Want to learn more about how auto loans work? Check out our Auto Loan course at BetterFi, our web-based Financial Wellness tool.



Whether you're purchasing a new or used car, truck or SUV, we make the loan process easy and efficient. There are no processing or application fees, and we provide:

  • Rates as low as 1.99% APR*
  • No hidden fees
  • Terms available up to 84 months**
  • Get pre-approved before you shop
  • GAP
  • Extended Warranty Protection
  • Alabama One Auto Mall
  • Financing based on loan to values determined by NADA Guides

*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.


Are you considering refinancing your auto loan?  Is this the right choice for you?  It may make sense when you find yourself in one of these situations:

  • You want to lower your auto loan payments
  • Your credit score has improved and you may qualify for a lower interest rate
  • You want to remove or add a co-applicant from your loan
  • To speak with a loan officer contact us at 800-225-0110.

Alabama One Auto Mall

Credit Union Auto Loans Refinance in Tuscaloosa, Northport, AL

The Alabama One Auto Mall is Alabama One's premier car buying service for our members. Give them a call before you visit a dealership so they can help you find your next new or pre-owned vehicle. Their team will make sure that you get a great deal without the stress. Here's how it works.

Member Auto Representative

You will have a dedicated Member Auto Representative to assist you personally throughout the entire process. Your rep will be your main point of contact that will facilitate your search, work with your loan officer and coordinate your delivery.

Car Buying On Demand

The Alabama One Auto Mall purchases high quality vehicles from dealer buying platforms nationwide. There are tens of thousands of vehicles available everyday across all makes and models. They will handle everything from securing the vehicle, coordinate a mechanic inspection and professional detail, and arrange the car for delivery.

Super Easy Delivery

If you choose the Car Buying on Demand feature, they will deliver the vehicle directly to the credit union without the hassle of you having to spend countless hours at a dealership.


Gap & Warranty

Alabama One Credit Union Auto Loans in Tuscaloosa, Northport

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

These are hard questions, but very important ones. We are all seeing our budgets shrinking lately and the one thing that we never seem to plan for is if our vehicles break down.

Make sure that you are FULLY PROTECTED! 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.

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.


Guaranteed Asset Protection Advantage, or GAP Advantage, is a voluntary, non-insurance program offered as protection on a new or used vehicle that is financed or leased. It is a supplemental benefit that enhances, rather than replaces, your standard comprehensive, collision, or liability coverage. GAP Advantage waives the difference between your primary insurance carrier’s settlement and the payoff of your loan.1 In other words, it protects the “gap” between your vehicle’s value and the amount you still owe in the case it is damaged beyond repair or stolen and never recovered.

GAP Advantage also provides you with a $1,000 credit towards the financing of a replacement vehicle if financed or leased with the same financial institution.


Depending on where you live, the established market value of your vehicle could be less than the actual balance you owe. In the event of a total loss or theft, GAP Advantage waives the difference between your primary insurance carrier insurance settlement and the payoff of your loan or lease, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.2 Included in the deficiency balance is the deductible up to $1,000.


Your one-year-old financed vehicle is totaled beyond repair… 

Your loan balance is $15,000
Your insurance company settlement is $10,000
based on your vehicle’s market value $11,000
less your insurance deductible $1,000
Total amount you owe without GAP Advantage $5,000 


PLUS $1,000 credit towards the financing of your replacement vehicle!3

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

Did You Know that 1 in 7 accidents result in the vehicle being totaled, which can lead to thousands of dollars in loan debt?

Ask us how we can help protect you from owing money on your loan in the unfortunate case you were to be involved in such an accident.

Did You Know nearly 1 in 2 Americans are unconcerned about their vehicle being stolen, but a vehicle is stolen every 44 seconds in the U.S.?

Ask us how we can protect you from owing money on your loan in the unfortunate event your vehicle was stolen.

Did You Know the average cost of a major, mechanical breakdown repair on a vehicle is around $750!

Ask us about MBP to hear we can help you to be financially covered on major, costly vehicle repairs.

Did You Know that on average you are ten times more likely to have a major mechanical breakdown than you are to get into a car accident?

Ask us about MBP to hear we can help cover you on major vehicle repairs, anywhere you go.

Did You Know that 2 in 5 Americans say they would feel a financial impact within 6 months if something were to happen to the primary wage-earner in their household.

Talk to a representative to learn how we can help to protect you and your family from taking on unexpected financial burden.

Did You Know 1 in 3 women and 1 in 4 men will suffer a disability resulting in loss of work for 90 days or longer?

Ask how we can help protect you and your family from unexpected financial burden.


To thank you for purchasing GAP Advantage, we will provide you with the Auto Advantage Program which includes the Auto Deductible Reimbursement (ADR) benefit and other valuable services. Ask your loan representative to learn more.

GAP Advantage disclosures
Your purchase of GAP Advantage is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us. 

Additional GAP Advantage disclosures
We will give you additional information before you are required to pay for GAP Advantage. This information will include a copy of the GAP Waiver Addendum which will contain the terms and conditions of GAP Advantage benefit. 

GAP Advantage eligibility requirements, conditions, and exclusions
There are eligibility requirements, conditions and exclusions that could prevent you from receiving GAP Advantage benefits. You should carefully read your GAP Waiver Addendum Form for a full explanation of the benefits, rules, terms and conditions of the program. 

This document is not a contract. GAP Advantage is a loan/lease deficiency waiver and is not offered as insurance coverage.