Indirect Lending Program
AAACU is proud to offer Indirect Lending through local dealerships. When shopping at one of our participating indirect dealers let them know you are a member of Alpena Alcona Area Credit Union, fill out the loan application, get approved, and close the deal without leaving the dealer. Our participating indirect dealers are:
Vehicle Loans
Effective Date: Saturday, May 17th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
| Loan Type | Rate | APR* | Term | Monthly Payment Amount* |
|---|---|---|---|---|
| New Auto (54 month term) | 4.250% | 4.251% | up to 54 months | $713.25 |
| New Auto (66 month term) | 4.250% | 4.251% | up to 66 months | $595.63 |
| New Auto (78 month term) | 5.500% | 5.501% | up to 78 months | $534.71 |
| Used Auto | 5.501% | 5.501% | 72-78 months | $534.71 |
| *APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is “as low as” and not all borrowers may qualify. Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed. | ||||
Recreational Loans
Effective Date: Saturday, May 17th, 2025
Rates may vary depending on each individual's credit history and underwriting factors. Apply Online
| Loan Type | Rate | APR* | Term | Monthly Payment Amount* |
|---|---|---|---|---|
| New Recreational Vehicles | 7.500% | 7.500% | up to 120 months | $415.46 |
| Used Recreational Vehicles | 8.250% | 8.250% | up to 120 months | $429.28 |
| New ATV's & Watercraft | 6.450% | 6.451% | up to 66 months | $631.32 |
| Used ATV's & Watercraft | 7.500% | 7.501% | up to 54 months | $765.67 |
| *APR = Annual Percentage Rate. Published rate on date stated is subject to change without notice. Rate stated is “as low as” and not all borrowers may qualify. Rate and APR advertised assumes a FICO Credit Score of 680 or better and a loan amount example of $35,000 based on the maximum term noted. The payment examples shown above do not include GAP premiums, or other insurance premium amounts, which will increase your monthly payment obligation. Your actual payment may vary based on the term, credit score and amount financed. | ||||
What would my payments be?
Several factors help determine the final loan amount for your new purchase. These may include any manufacturer rebates, the value of your trade-in minus any remaining loan balance, your down payment, and other related costs. Once the loan amount is set, your interest rate and loan term will be used to estimate your monthly payment.