Last Updated: 04/18/2025
USAlliance Financial Auto and Motorcycle Loans
Unaffiliated
Last Updated: 04/18/2025
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Highlights
Amount Range
Up to $100,000
APR (Variable APR)
Starting at 6.74%(Verified 06/21/2024)
Credit Score Range
N/A
Loan Term (Months)
Up to 84
USAlliance Financial Auto and Motorcycle Loans Review
USAlliance Financial Auto and Motorcycle Loans is offered by USAlliance Federal Credit Union, a credit union founded in 1966 and based in Rye, NY. USAlliance Financial Auto and Motorcycle Loans are available in 50 states and Washington, DC.
USAlliance Financial Auto and Motorcycle Loans FAQ
What APR does USAlliance Financial Auto and Motorcycle Loans offer on its car loans?
USAlliance Financial Auto and Motorcycle Loans offers a variable APR car loan product that ranges from 6.74% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
What is the maximum auto loan term you can get with USAlliance Financial Auto and Motorcycle Loans?
USAlliance Financial Auto and Motorcycle Loans has car loans with a maximum term of 84 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.
Does USAlliance Financial Auto and Motorcycle Loans charge an origination fee?
Yes, USAlliance Financial Auto and Motorcycle Loans may charge a loan origination fee .
Does USAlliance Financial Auto and Motorcycle Loans charge a late fee?
Yes, USAlliance Financial Auto and Motorcycle Loans charges borrowers with a late payment penatly fee
Does USAlliance Financial Auto and Motorcycle Loans charge prepayment fees?
Yes, USAlliance Financial Auto and Motorcycle Loans does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.
Can I pay off early my USAlliance Financial Auto and Motorcycle Loans loan?
Yes, you can. However, USAlliance Financial Auto and Motorcycle Loans charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.
What do you need to qualify for USAlliance Financial Auto and Motorcycle Loans?
USAlliance Financial Auto and Motorcycle Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. USAlliance Financial Auto and Motorcycle Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by USAlliance Financial Auto and Motorcycle Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Proof of identity
- Proof of citizenship or residence permit
- Proof of residence
Does USAlliance Financial Auto and Motorcycle Loans report your account activity to credit bureaus?
Yes, USAlliance Financial Auto and Motorcycle Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does USAlliance Federal Credit Union perform a hard credit pull?
Yes, USAlliance Financial Auto and Motorcycle Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Is USAlliance Federal Credit Union a legit company?
USAlliance Federal Credit Union was founded in 1966, it is a well-established company that has been in business for 60 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
8:45AM - 4:30PM
Tuesday
8:45AM - 4:30PM
Wednesday
8:45AM - 4:30PM
Thursday
8:45AM - 4:30PM
Friday
8:45AM - 4:30PM
Saturday
9:00AM - 2:00PM