Auto Financing

Buckle up and enjoy the ride

You’ll be hitting the road in no time, thanks to our quick application process.

Get preapproved for a new or used car or truck

family car shopping

Today’s Rates

APR as low as1 6.50%

Whether you’re looking for a brand-new sports car or a hardworking used truck, it’s quick and easy to apply for auto financing. 

  • Competitive rates on new and used cars and trucks. 
  • No application fees. 
  • Get preapproved before you visit the dealer. 
  • Pay your bill automatically from your checking or savings account. 
couple in a car
couple in a car

Refinance your car or truck loan

Are you paying too much for your car or truck? If you’re not happy with your auto loan, refinancing might help you find a loan with terms that work better for you. Depending on your situation, you may be able to:  

  • Lower your monthly payment. 
  • Reduce your interest rate. 
  • Pay your car or truck off faster. 

Auto Loan Calculators

How Auto Financing Works


Apply Online

Answer a few simple questions and see what you qualify for.

Apply Now


Get Preapproved

With your car loan preapproved, you know exactly how much you can afford.

Find Your Car

Take your preapproval to the dealership and select the car you want.

Close the Deal

Drive off in your new car or truck, and enjoy the ride.

Car Loan FAQs

In most cases, we can make a decision on your loan application in under 24 hours.  In some cases, we may need to ask you for more details, and then the process takes a little longer.

You’ll need to provide the following information on your car loan application: 

  • Name 
  • Social security number 
  • Physical and mailing address 
  • Employment information 
  • Gross monthly income 
  • Date of birth 

In some cases, we may ask for additional information after you submit your application.  

No, you don’t have to be a member to apply, but you do need to become a member if you want to take the loan. But don’t worry —it’s quick and easy to join Alaska USA.  

When you apply for a loan, we ask if you’re already an Alaska USA member. If you’re not, just follow the instructions at the end of the application process to join. 

If your application is approved, your rate and terms are typically valid for 30 days after the decision date. If you don’t find a car in 30 days and your approval expires, you will have to apply again.

If your loan is approved, we’ll give you the loan documents you need to take with you to the dealership. You’ll also need to take your driver’s license and proof of insurance with you. 

Learn about vehicle loans & insurance

Young woman driving her new car

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1Interest rate is dependent upon the credit qualifications of the borrower(s). Rates are subject to change at any time for any reason. See our rates page for full details.