Vehicle Loans

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Vehicle Purchase

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

  • Rates *as low as 3.99% APR
  • Terms up to 84 months*
  • Pre-approvals; know your budget before you shop
  • FREE, personalized auto buying assistance with Alabama ONE Auto Mall
  • Financing based on loan-to-values determined by NADA Guides

Vehicle Refinance

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 800-225-0110.




Extended Terms for New & Used Vehicles*

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Alabama ONE Auto Mall


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.

What are the benefits?

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


Education is Everything. Learn more about auto loans now.

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. 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 well-being. 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.

+No Purchase OR payment of any kind to participate or win. For detail and official rules visit

*Terms and conditions apply. Loans are subject to underwriting guidelines. Offer not available on existing Alabama ONE loans. Must be a member of Alabama ONE to qualify. The minimum loan amount is $5,000. Loan example, $20,000 new vehicle at 7.49%APR with 84 monthly payments of $307.64. APR
shown with 0.25% reduction for autopayment in the loan example. See an Alabama ONE employee for further important details, including rates, term and
other eligibility criteria. Offer expires June 30, 2024. Finance charges begin accruing as of the loan disbursement date. Subject to change without notice.
Rates effective as of 3/4/24.

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