We're here to finance your fun!
Whether you’re headed out camping, exploring trails or catching waves we are here to help finance your next adventure.
Find a Dealership
Indirect Lenders
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.
| 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.
GAP: Guaranteed Asset Protection
Accidents happen, and unfortunately, your insurance doesn’t always cover it – GAP Plus does! Guaranteed Asset Protection Plus protects you when “gaps” exist between your insurance settlement and your loan balance. GAP may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss. GAP with Deductible Assistance is designed to provide financial relief when your vehicle is damaged, but not deemed a total loss.
GAP Plus with Deductible Assistance Provides Benefits of:
- Up to $1,000 deductible assistance whether the vehicle is deemed a total loss or not.
- $1,000 being used towards the financing of a replacement vehicle through AAACU
GAP Plus with Deductible Assistance is essential financial protection on your vehicle loan that helps you drive with confidence. Talk to us today about how we can help protect you from sudden out-of-pocket expenses.
Life & Disability Insurance
When you choose to protect your loans with MEMBER’S CHOICE© credit life and disability insurance*, you’re taking steps to protect your family if the unforeseen happens. MEMBER’S CHOICE© credit life and disability may help reduce or pay off your covered loan or make your monthly payment, up to the policy maximum, in the event of a covered life event, injury, illness, or death.