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Don’t settle for a higher auto loan rate at the dealership just because you’re eager to drive your new car home. Instead, come to AHCU first! We offer free pre-approvals, so you can lock in a low rate for the term that works for your budget — before you start shopping. Next, we can help you locate your dream car, thanks to our partnership with Integrity Autosource. It’s really a win-win — you get a great pre-negotiated sale price and payments you can afford, all without having to waste precious time inside a dealership.

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Summary
  • Competitive rates for new or used vehicles
  • Refinance vehicles financed elsewhere to potentially lower your rate
  • Financing also available for a variety of RVs
  • Flexible repayment terms
  • Up to 100% financing available on all purchases
  • Free pre-approval for extra buying power when negotiating
  • Car-buying & negotiating services available through Integrity Autosource
    • Personal shopper experience
    • Participates with local dealerships
    • Customer advisor will find vehicle for you
    • Get a pre-negotiated price
    • Pick up at the credit union
  • Optional GAP protection and extended warranty available
  • Prompt, local decision-making and processing
  • Customized, friendly service from our experienced lending team
  • Electronically sign your loan documents from anywhere
GAP Protection

GAP Insurance

Is there a "gap" between the current value of your vehicle and the amount you still owe on your loan?

If you owe more on your vehicle than its current current market value, you have a “gap!” That's why AHCU offers GAP (Guaranteed Asset Protection) Insurance. If your vehicle is totaled or stolen, GAP insurance pays the difference between the value of the vehicle, which is determined by the insurance company, and the unpaid balance of the loan.

What is the gap on your vehicle? You may be surprised at the answer!

GAP Advantage

The GAP Advantage gives you further peace of mind. If the vehicle you are now purchasing ever becomes "totaled" or is stolen and not recovered, GAP Advantage pays an additional $1,000.00 toward the purchase or lease of a replacement vehicle. Not only will you receive the difference between the value of your vehicle and its unpaid loan or lease balance, you also get a head start on financing or leasing a new or used replacement vehicle.

Get a free GAP quote now!

Extended Warranty

Route 66 Auto Warranty

The coverage you need to keep your vehicle on the road!

Even the most reliable vehicle can develop a mechanical problem. That’s why so many people depend on Route 66 Warranty. No matter where you travel in the United States, we protect you against major mechanical expenses, and there is NO DEDUCTIBLE on covered parts or labor. 

Mechanical Breakdown Protection (MBP)

MBP reduces out-of-pocket expenses when your vehicle suffers an unexpected mechanical failure and provides peace of mind for worry-free driving!

Benefits:

  • Nationwide Protection
  • 24-Hour Roadside Assistance for the term of your coverage
  • Rental Vehicle Assistance
  • Transferable Coverage if you sell your vehicle before your agreement expires

Did you know that one in three vehicles experience a mechanical failure in a given year? The typical extended warranty owner will make several claims during the life of their contract. Should your vehicle experience a failure after the manufacturer's warranty expires, you will have no protection from the unexpected repair costs.

Vehicles today are growing extremely complex and contain high-tech sensors, electronics, and computers that suffer unexpected failure and need to be replaced. While engines and transmissions are more reliable than ever, it's these other sophisticated parts that frequently fail. As vehicles become increasingly more complex, associated repair costs rise dramatically.

Easy Street: Factory Type Coverage

The Easy Street Plan is designed for vehicles that are 6 model years old or newer that have 85,000 or less odometer miles. Easy Street is the most comprehensive extended warranty available through Route 66. The Easy Street Plan extends coverage to virtually all mechanical and electrical components of your vehicle unless the part is specifically listed as not covered. The items that are excluded mainly include consumable items (brake pads/rotors, shocks/struts, etc.), cosmetic items (trim/molding, upholstery, appearance items, etc.), and maintenance items (belts/hoses, alignments/adjustments, oil changes, etc.).

Benefits:

  • Rental car allowance
  • Towing
  • Flat tire assistance
  • Gasoline and fuel delivery
  • Lock-out service 

Older Vehicle Coverage

We have two plans designed for vehicles that are 9 model years old or newer and have 140,000 miles or less on the odometer. 

Main Street Deluxe Coverage is an extended warranty covering all major vehicle systems including the following: Engine, Transmission/Transfer Case, Drive Axle, Electrical, Brake, Suspension, Fuel, Steering, Air Conditioning, and various Hardware.

First Street Coverage provides named component coverage for the drive-train systems of your vehicle including the Engine, Transmission/Transfer Case, and Drive Axel. There is a $3,000 claims limit associated with this plan. See the sample certificate for complete conditions of coverage, exclusions, and your duties during the term of the Plan. 

Get a free quote on the warranty that's right for you! 

Full-service solutions for the life of your car.