Auto Loans

Auto Loans

Everybody needs a good car.

Allegan Credit Union offers competitive rates on auto loans and we work hard to get you into a vehicle that matches your needs and works for your budget. We negotiate directly with dealers to help get you the best deal possible, and guide you step-by-step through the process of buying a car. Whether you already have your dream car in mind, or you’re just looking for a pre-approval, we’ve got you covered!

We also offer GAP protection on auto loans, meaning that if the financed vehicle is ever totaled, GAP will pay the difference between the vehicle’s worth and what you still owe on the loan. In addition, GAP offers you $1,000 toward your next vehicle that you finance with us, and comes with deductible reimbursement for repairs. MBP (Mechanical Breakdown Coverage) is for repairs and maintenance, and can be purchased at any time even if there is not currently a loan on the vehicle.

Have No or Low Credit?

For people with less-than-perfect credit or no credit at all, we have an awesome solution to make sure you still have access to a reliable car at a reasonable interest rate of 9.99% APR. Because we believe that you deserve the chance to cruise around in a good car with a realistic payment, regardless of your credit history. Below are just some of the benefits. 

You'll pay quite a bit less in interest every month.

You'll pay quite a bit less in interest every month.

To put it simply, your vehicle payment will be less compared to financing at a Buy Here, Pay Here car lot.

Shop where you want.

Shop where you want.

Found a car that you love? Don't limit yourself to only inventory at dealerships that finance low / no credit. With the YouTurn loan, you can shop anywhere you feel comfortable.

This is your chance to build good credit.

This is your chance to build good credit.

Your credit score drives many important decisions in your life. Life is easier with good credit and you'll be on the right track with YouTurn.

Sound to good to be true? Here's how we make it happen...

Some dealerships manage their risk on loans by charging higher interest rates. Us? We like to take a simpler route. We manage our risk by adding a GPS unit to your car. An added cool benefit to having this device on your car is that typically your car insurance is also cheaper!


“I was trying to get my life back on track and Allegan Credit Union helped me figure things out. They create such a down to Earth, personal experience – they’re just awesome. I felt warm sitting with them. I also love how the parameters of the YouTurn loan help you get into a reliable car that will last. I was expecting a car way older. I love them, period”.
— Donald B. - Allegan Credit Union Member


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Routing # 272476349

Call/Text: 269.673.5465
CU•Talk: 1.800.860.5704 (CU ID: 131)
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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the Unites States Government.

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