Your Guide to Alta Vista Credit Union’s Auto Loan Programs in Redlands, CA

Introduction

Welcome, Redlands residents and Inland Empire neighbors! Alta Vista Credit Union has been a part of the local community for decades, proudly serving the Inland Empire with a member-first approach. As a not-for-profit, member-owned financial institution, our mission is to help you drive off in your dream car with an affordable loan. We offer some of the lowest rates and most competitive terms around, and we always look out for your best interest in everything we do. With a branch right here in Redlands (and another in Rialto), Alta Vista Credit Union is deeply committed to our community – we truly are “the credit union for the Inland Empire.”

In this comprehensive guide, we’ll cover everything you need to know about getting an auto loan through Alta Vista Credit Union. You’ll learn why so many local auto buyers choose Alta Vista, explore our new and used car loan options, see how you can refinance to save money, and discover exclusive member benefits (like rate discounts and car-buying services) that make financing your vehicle easy and stress-free.

Why Choose Alta Vista Credit Union for Auto Loans?

Competitive Rates & Member-Centric Service: Alta Vista Credit Union is dedicated to giving our members the best deal possible on auto financing. We offer low, competitive interest rates – in fact, qualified borrowers can get rates as low as 5.49% APR on new auto loans (rates subject to change). As a member-owned cooperative, we return value to you through better loan rates and lower fees. Our team isn’t focused on profit for shareholders; we’re focused on saving you money. That’s why Alta Vista offers some of the lowest rates and most competitive terms on a wide range of loans – we truly “look out for your best interest” at all times.

Local Focus and Convenience: When you finance with Alta Vista, you’re working with a local institution that understands the Inland Empire. We have convenient branch locations in Redlands (1425 W Lugonia Ave, across from Citrus Plaza) and Rialto (2025 N Riverside Ave), so help is never far away. Our staff live and work in the community and pride themselves on friendly, personalized service. Unlike big banks, we won’t treat you like just another number – you’re a member of our family, and we’re here to help you every step of the way. Plus, being local means faster decisions on loans and on-the-spot assistance. We’ve spent over 80 years perfecting our services, and it shows in the warm, transparent, community-oriented approach we bring to every auto loan.

Hassle-Free, One-Stop Auto Buying: Alta Vista Credit Union goes beyond just financing – we make the entire car buying process easier. Our unique concierge-style auto buying service (available exclusively to members) can assist with everything from pre-approval to finding your car to closing the deal. That means you can skip the typical dealership headaches. We’ll help you get pre-approved for your loan before you shop, so you know your budget upfront. We’ll even help you find all available rebates and discounts to maximize your savings. In fact, our specialists will negotiate on your behalf to secure the best possible price on the vehicle you want. You’ll also get personal assistance from a dedicated loan officer throughout the process – someone on your side to answer questions and handle the details. This kind of full-service support is a big reason why so many Inland Empire residents choose Alta Vista for their auto loans. We make buying a car simple and stress-free, from start to finish.

In short, Alta Vista Credit Union is built to help local auto buyers succeed. We offer low rates, local branch convenience, and a host of member benefits that you just won’t find at typical banks or car dealers. Let’s dive into the specifics of our auto loan programs and see how we can get you on the road with a smile (and a great rate!).

Auto Loan Programs Overview

At Alta Vista Credit Union, we have an auto loan solution for everyone – whether you’re buying a brand new vehicle, a reliable used car, or looking to refinance your current auto loan for a better deal. Here’s an overview of our programs:

New Auto Loans

Ready to buy a new car off the lot? Our new auto loans give you the financing you need with terms and rates designed to fit your budget. Key features include:

• Flexible Terms: Choose a repayment term that works for you, from shorter loans (24-36 months) for fastest payoff, up to long-term loans as long as 84 months for lower monthly payments. We offer terms in 12-month increments (36, 48, 60, 72, and 84 months), so you can find the perfect balance of payment size and total interest. (Longer terms may require a minimum loan amount; for example, an 84-month loan requires at least $20,000 financed.)
• Affordable Rates: Alta Vista’s new car rates are extremely competitive. As noted earlier, rates start as low as 5.49% APR for qualified borrowers*– well below what many dealers or big banks charge. (*This lowest rate includes available discounts for automatic payments and direct deposit; more on that in the Benefits section.) Even if your credit isn’t perfect, we work to get you a great rate based on your situation. Our goal is to save you money over the life of your loan.
• Low (or No) Down Payment: We offer up to 100% financing of the vehicle’s purchase price, including taxes and license fees in many cases. This means little or no down payment is required on approved credit. You can finance the full cost of your new car, so you don’t have to deplete your savings for a large upfront payment. Of course, if you want to put money down to reduce your loan balance, you’re welcome to – but it’s not a requirement for qualified borrowers.
• High Loan Amounts Available: Because new cars can be pricey, we finance large loan amounts if needed. Whether you’re buying an economy sedan or a fully loaded SUV, we’ve got you covered with financing limits that accommodate the price of today’s vehicles. (If you’re shopping for an extra expensive ride, check with us about any maximum loan amounts or special terms – we’re happy to finance luxury vehicles too, within our lending guidelines.)
• Fast Pre-Approvals: Before you even step onto a dealer’s lot, get pre-approved with Alta Vista! Our online application can provide a pre-approval in minutes, so you’ll know exactly how much you can afford. With a pre-approval letter in hand, you gain negotiating power at the dealership and the confidence that your financing is ready to go. (No surprise calls to “check with the bank” – you’re already set with your credit union loan.)

Overall, our new auto loan program is designed to make your car purchase easy and affordable. You’ll drive away in your new vehicle with a payment that fits your budget and a loan from a lender you trust.

Example: A $25,000 new auto loan at 5.49% APR for 60 months would have an approximate monthly payment of $478. (This is just an example – your actual rate and payment may vary. We’ll work up a personalized quote for you based on the current rates and your credit qualifications.)

Used Auto Loans

Buying a used car is a smart way to save money, and Alta Vista Credit Union makes financing a used vehicle just as simple and advantageous. Our used auto loans offer:

• Great Rates on Pre-Owned Vehicles: Used car loan rates at Alta Vista are very competitive, often only slightly higher than our new car rates. This means you can get a low APR on a reliable pre-owned car and keep your payments affordable. We finance both new and used vehicles – you get a good deal either way. (Generally, late-model used cars with low mileage qualify for the best rates. Older or higher-mileage vehicles may have a slightly adjusted rate, but we’ll still ensure it’s a great deal for you.)
• Terms Up to 72 Months (and Beyond): We offer used car loan terms up to 60 or 72 months in many cases. This lets you spread out the cost of your vehicle over up to six years. For example, if you’re buying a 3-year-old car, you could finance it for 5 or 6 years to keep payments low. Tip: We generally require a minimum loan amount (e.g. $10,000+) for terms beyond 48 months on used cars, since very small loans don’t need such long terms. We’ll help you choose the right term based on the amount you’re financing and the age of the vehicle.
• Wide Vehicle Eligibility: We finance most passenger vehicles – cars, trucks, SUVs – whether they’re brand new or previously owned. In fact, we can finance vehicles up to about 10 years old under our standard used car program (currently, model years ~2015 and newer are eligible for standard terms) Have your eye on a much older vehicle? We even offer a Classic Auto Loan program for vintage or collector cars (20+ years old)! So if you’re buying that 1960s hot rod or a restored classic in Redlands, talk to us – we may be able to finance it under special terms. (Classic auto loans typically require larger down payments or shorter terms, and certain restrictions apply, but they are available.) For most everyday used cars, our normal program will cover you, even if the car has high mileage – we’ll just adjust the loan-to-value or rate slightly to account for the vehicle’s age/miles.
• Finance from Private Party or Dealer: Whether you’re buying from a dealership, a used car lot, or a private seller, Alta Vista can provide the loan. Unlike some lenders that only work with dealerships, we’re happy to finance a car you found through a private party sale. We’ll guide you through any extra steps (like title transfer and bill of sale) – it’s straightforward. So don’t hesitate to find your car on Craigslist or through a friend; we’ve got your financing covered.
• Quick Funding: Just like with new cars, our team works to get your used car loan processed quickly. If you’re at a dealership, we can often provide funding the same day you finalize your loan paperwork, so you can drive home without delay. For private party purchases, once everything is approved, we’ll issue a check or transfer funds so you can pay the seller and take your keys. You won’t be left waiting around – we know you’re eager to enjoy your “new-to-you” vehicle!

By choosing Alta Vista for your used car loan, you’ll save with low rates and get flexible terms, all while avoiding the pitfalls of dealership financing. Many of our members tell us they prefer buying used cars with our loans, because they end up with much better terms than dealer offers. We’re here to support your smart car-buying decision with an equally smart financing plan.

Auto Loan Refinancing

Already have an auto loan somewhere else? You could be overpaying for that loan – and Alta Vista Credit Union can help fix that. We offer auto loan refinancing that could lower your interest rate, reduce your monthly payment, or both. Here’s why refinancing with Alta Vista is a great idea:

• Lower Your Rate and Payments: If you financed your car through a dealership or another lender, there’s a good chance Alta Vista can beat your rate. We’ve helped thousands of Californians lower their auto loan APR and monthly payments by refinancing. Even a drop of a couple percentage points in your interest rate can save you a lot of money over the life of the loan. For example, if your current loan is 8% and we refinance you at 6.24% APR (one of our sample refinance rates as low as 6.24%*, you’ll immediately start saving on interest. That means more money stays in your pocket each month. Many members refinance to reduce their payment and get some breathing room in their budget – why pay more for the same car if you don’t have to?
• Easy Process, Quick Decisions: Refinancing with Alta Vista is straightforward. You can get an estimate of your new rate and payment in minutes using our online tools (it literally “takes less time than toasting bread” to see how much you could save!). Once you decide to move forward, just apply online or at our branch – the application is quick, and we usually provide a decision within a day or two. We handle most of the paperwork with your current lender, so you don’t have to fuss with it. We’ll pay off your existing loan directly and set up your new loan with us. From your perspective, it’s as easy as filling out a short form and then signing a few documents when it’s approved.
• No Out-of-Pocket Cost: There are typically no application fees or hidden costs to refinance with Alta Vista. We don’t penalize you for paying off your old loan early (and if your current lender has any minor payoff fee, that can often be rolled into the new loan – but most auto loans have no payoff penalties anyway). In short, it usually costs you nothing upfront to refinance – it’s basically a way to replace your high-rate loan with a better one from Alta Vista.
• Flexible Terms: When refinancing, you have options to adjust your loan term. You can keep the remaining term about the same and just enjoy a lower rate (which will slash your interest and maybe trim your payment a bit), or you can extend the term to lower your monthly payment more significantly. For instance, if you have 3 years left on your loan, we could refinance it to a fresh 4- or 5-year term to really drop the payment amount – while still likely giving you a lower rate. (Do keep in mind that extending the term might increase total interest in the long run, but it can greatly help monthly cash flow. We’ll walk you through the trade-offs so you can make the best choice.) On the flip side, if you want to pay off faster, we can refinance to a shorter term as well. Alta Vista is flexible – our goal is to structure the loan in a way that benefits you.
• Special Offer for Refinancers: As an extra perk, qualifying refinance applicants can get the same rate discounts (up to 0.5% off APR) by using an Alta Vista checking account with automatic payments and direct deposit. This means you could lower your rate even further than the standard offer. For example, if we approve you at 6.74% based on your credit, you could get it down to 6.24% APR by taking advantage of the 0.5% discount programs – that’s free money saved! We’ll discuss these discounts more below, but it’s good to know you can stack the savings when you refinance with us.

Refinancing your auto loan with Alta Vista Credit Union is one of the simplest ways to save money. Our members often tell us they wish they’d done it sooner. If you’re curious how much you could reduce your rate or payment, just reach out – we’ll be happy to provide a no-obligation quote. You could be just a few steps away from a lower car payment and extra cash in your pocket each month.

(P.S. Even if your credit score has improved since you took the original loan, refinancing could leverage that better score to get a much better APR. We’ll use your current credit standing, which for many people is higher now than it was when they first bought their car.)

Exclusive Member Benefits

When you finance your vehicle with Alta Vista Credit Union, you’re not just getting a loan – you’re gaining access to exclusive member benefits that can make your auto loan even more rewarding. Here are some special perks we offer our auto loan members:

• Rate Discounts for Members: We love to reward our members for their relationship with the credit union. One of the best perks is our auto loan rate discount up to 0.50% for members who use an Alta Vista checking account with direct deposit and automatic loan payments. For example, if you open a checking account with us, set up direct deposit of your paycheck, and authorize automatic payments for your car loan from that account, you’ll qualify for a 0.50% APR reduction on your auto loan rate. That’s a huge benefit just for doing your everyday banking with Alta Vista! We essentially give you half a percentage point off as a “thank you” for making us your primary financial institution. This discount can often be the reason our rates beat everyone else’s – it pays to be a member. (Note: If you choose not to utilize these services, no problem – you can still get a great rate, but it will simply be 0.50% higher. Best rates are quoted assuming enrollment in e-statements and auto-pay from an Alta Vista account.) Bottom line – use our checking and auto-pay, and get a lower auto loan rate. It’s that simple, and it can save you hundreds of dollars in interest.
• Dedicated Loan Officer Support: Unlike many lenders where you’re on your own after you apply, Alta Vista assigns you a dedicated loan officer who will personally assist you through the entire loan process. Have questions about your application? Need to understand your approval or discuss options? Want advice on whether to choose 60 or 72 months? Your loan officer is just a phone call or email away. Our loan officers are friendly, knowledgeable, and not commission-based, so their only goal is to help you make the best decision. They’ll keep you updated on your loan status and make sure everything goes smoothly from application to funding. Many of our members rave about how “personal” the experience feels – you’re not just clicking buttons on a website and hoping for the best; you have a real human advocate at Alta Vista. This is one-on-one service you can count on. Even after your loan is funded, our team is here to help with any questions or future needs (like maybe an RV or motorcycle loan down the road!).
• Fast, Easy Online Application: We know you’re busy. That’s why we’ve made the application process as convenient as possible. You can apply for your auto loan entirely online – no need to come into a branch (unless you want to!). Our online loan application only takes a few minutes to complete. In fact, it’s so quick that you can fill it out from your phone or computer whenever you have a spare moment. Once you submit your application, our team swings into action. Often, you’ll get a preliminary answer almost instantly (especially during business hours). In many cases, we provide a loan decision within 24-48 hours (usually within two business days at most). If we need any additional info, we’ll let you know right away. The point is, we respect your time – we won’t leave you hanging. And if you prefer a more personal touch, you are always welcome to visit our Redlands or Rialto branch to apply in person. We can even pre-approve you on the spot at the branch. Whether online or in-branch, you’ll find the process efficient and straightforward. Getting pre-approved with Alta Vista before you car-shop can really streamline your purchase and give you confidence while negotiating.
• Quick Pre-Approvals and Flexible Approvals: Speaking of pre-approval – yes, we offer pre-approvals in minutes! This means we can review your credit and let you know how much car you qualify for before you actually have a specific vehicle picked out. It’s like getting a “blank check” up to a certain amount. This helps you shop within your budget and prevents any disappointment at the dealership. We also pride ourselves on looking at the whole picture when approving loans. We consider factors beyond just your credit score – your history with the credit union, your income and stability, etc. So even if your credit is less-than-perfect, don’t be discouraged. We work with many members who have fair or rebuilding credit (scores in the 600s, etc.) and often can still offer a good rate. Generally, a score 720+ will get the best rates, and anything 640+ can get a pretty good rate with us. But no matter your situation, we’ll do our best to approve your application and get you into an affordable loan.

These member benefits underscore our commitment to being more than just a lender. Alta Vista Credit Union is a partner in your financial journey. We encourage you to take advantage of the checking account discounts, talk with our loan officers, and use our convenient tools – it’s all part of the superior experience we provide to our member-owners.

Auto Buying Services

Financing is only part of the equation – what about finding the right car at the right price? Alta Vista Credit Union has you covered there, too. We’ve partnered with CARSCOUTS, a Credit Union Auto Buying Service, to make your next vehicle purchase simple and stress-free. This service is like having a personal car shopper working for you! Here’s how our auto buying service works and how it can save you time and money:

Meet CarScouts – Your Personal Auto Shopper: CarScouts is an auto buying concierge exclusively for credit union members. The concept is awesome: you tell CarScouts exactly what car you’re looking for, and their team of experts will locate the best match at the best price – without you having to haggle with dealers. Want a red SUV with low miles, under $20,000? They’ll find it. Need a specific model with certain features? They’ll track it down. CarScouts has an extensive network of dealer contacts and online resources to find any make, model, or year you desire. They do the legwork so you don’t have to. As their slogan says, “Skip the stress, find the best” – CarScouts will save you from the high-pressure salespeople and endless dealership visits. It’s a win-win situation: you avoid the hassle, and often CarScouts can secure a better price than you could on your own, because they know how to negotiate deals in the industry.

How the Auto Buying Service Works (Step-by-Step):

1. Contact CarScouts through Alta Vista: The first step is to let us know you’re interested in using the auto buying service. You can start on our website (check out our Auto Buying Services page) or talk to your Alta Vista loan officer, who can connect you with our CarScouts representative. We’ll gather some details on what you’re looking for: the make, model, year range, color preferences, mileage limits, features you want, and your target price range. The more details you provide, the better – this helps CarScouts zero in on the perfect vehicle for you.
2. Get Pre-Approved for Financing: While CarScouts is hunting for your car, it’s smart to get your financing pre-approved (if you haven’t already). As we covered earlier, Alta Vista can pre-approve your auto loan in minutes. We’ll let you know the maximum loan amount and rate you qualify for, so CarScouts knows your budget range. This way, when they find the car, you’re all set to move forward quickly. (CarScouts will work closely with our lending team – it’s a coordinated effort so that the car search and the financing go hand-in-hand smoothly.)
3. CarScouts Finds Your Vehicle & Negotiates the Price: Now the fun part for you – sit back while CarScouts does the hunting! Their experienced auto buyers will search dealerships, auctions, online listings, and their industry contacts to locate a vehicle that meets your specs. They aim to not only find the exact car you want, but also to secure it at a fantastic price. CarScouts will negotiate on your behalf with the seller or dealer. They know all the dealer tactics and how to cut through the games to get to the real bottom-line price. Importantly, they also ensure you get all available rebates or manufacturer incentives applied (something private buyers might miss). The result: you often pay much less than if you walked in alone. Throughout this process, CarScouts keeps you updated. They might present you with one or multiple options – for example, “We found the Ford Explorer you wanted, 2019 model, at a dealership 30 miles away for $18,500 – do you want to move forward?” You give the thumbs up, and they proceed to lock in the deal.
4. Review the Deal and Paperwork: Once CarScouts has found your car and negotiated the purchase, they’ll coordinate the paperwork. Because you’re financing with Alta Vista, a lot of this is streamlined. CarScouts will send the purchase agreement details to our credit union. We’ll finalize the loan documents with you (either at the branch or electronically via secure e-signature). Basically, CarScouts handles the vehicle purchase contract, and Alta Vista handles the loan contract – and we work together to make sure everything matches up perfectly. You’ll review and sign the necessary documents, with your dedicated loan officer available to explain anything about the loan terms. CarScouts will prepare the title, registration, and all DMV paperwork as well – you don’t even have to stand in line at the DMV.
5. Take Delivery of Your Car: Here’s the best part – you don’t even have to go pick up the car if you don’t want to. CarScouts will deliver the vehicle to you or arrange a convenient pickup. Many members opt to have the car delivered right to their home or to our credit union branch for a celebratory hand-off. Imagine: the car arrives at your doorstep, fully fueled and ready, and all you have to do is take the keys! No stressful dealership finance office, no last-minute surprises – it’s truly hassle-free. One member noted that CarScouts delivered her new car to her house and it “took 5 minutes to sign the paperwork.” That’s how easy it can be. Drive off happy, knowing you got exactly what you wanted at a price you’re thrilled with.

How This Service Saves You Time & Money: The CarScouts auto buying service can save hours upon hours of your time and potentially thousands of dollars. You skip the need to visit multiple dealers and deal with pushy sales tactics – CarScouts does that for you. They have expertise in pricing, so you won’t overpay. In many cases, they can source vehicles from dealer-only auctions or trade networks at lower cost and pass those savings to you. Also, by ensuring all rebates/incentives are applied and avoiding unnecessary add-ons, they make sure you’re not leaving money on the table. And remember, this service is free for Alta Vista members. The credit union provides it as a benefit to you (CarScouts is compensated via the dealer network, not by you). So there’s no catch – it truly is a member perk designed to enhance your car buying experience.

In summary, Alta Vista Credit Union’s partnership with CarScouts means you don’t have to go car shopping alone. You have a pro in your corner to do the heavy lifting. It’s one more way we make buying a car easier, safer, and smarter for our members. If you’re interested in trying CarScouts, just let us know – many Redlands area members have used it and rave about how it made buying a car actually enjoyable!

(Tip: Even if you’re just thinking about a car purchase, you can consult with our CarScouts representative. They can give you advice on availability and pricing for the models you’re considering, which can help you decide what you want – no obligation to buy. Take advantage of their knowledge at any stage of your car search.)

Flexible Loan Terms and Protection Programs

Every member’s situation is different – that’s why Alta Vista Credit Union offers flexible loan terms and a suite of protection programs to tailor your auto loan to your needs. We don’t believe in one-size-fits-all financing. Here’s how we customize your loan and protect your investment:

Flexible Loan Terms: Whether you want to pay off your car fast or stretch out payments for maximum breathing room, we have options. Our auto loans come in a range of terms from 36 months all the way up to 84 months. Shorter terms (3–4 years) mean you’ll pay less interest overall, while longer terms (5–7 years) mean you’ll enjoy a lower monthly payment. You choose what’s best for your budget. We’ll provide guidance to help you decide – for example, we might show you the payment difference between a 60-month and 72-month term so you can see which you’re more comfortable with. There are a few minimum loan amount requirements for the longest terms (for instance, loans must be at least $15,000 to go 72 months, and $20,000+ to go 84 months)– this is just to ensure borrowers don’t over-extend very small loans for too long. If your purchase is under those amounts, no worries; you likely wouldn’t need such a long term anyway. On the flip side, we can finance large loans for longer terms with no problem – great for higher-priced trucks or SUVs.

We’re also flexible on payment schedules. Most members make monthly payments, but we can set up bi-weekly or semi-monthly payments if that aligns better with your paycheck schedule. And there’s never any penalty for paying off early – you can always pay extra or pay your loan off ahead of schedule if you come into some cash. We want you to have full control over your repayment.

Optional Loan Protection Programs: Life is unpredictable – but you can safeguard your finances with our optional protection products. Alta Vista Credit Union offers several programs designed to protect you and your vehicle throughout the loan. These add-ons give you peace of mind for a modest cost, and they can be financed right into your loan amount (so you don’t have to pay out-of-pocket). Our available protection programs include:

• Guaranteed Asset Protection (GAP) Insurance: GAP is a must-have for many car buyers. If your car is ever stolen or totaled in an accident, your auto insurance will typically pay only the market value of the vehicle. For newer cars, that can be thousands less than what you still owe on your loan (because cars depreciate faster than loans amortize, especially in the first couple of years). This “gap” between your insurance payout and your loan balance would normally come out of your pocket. But with GAP insurance, that difference is canceled/paid off – you won’t owe the remaining loan balance in such a scenario. GAP essentially protects you from having a big debt on a car you no longer have. It’s especially valuable if you financed a high percentage of the purchase price, or if your car depreciates quickly. Alta Vista offers GAP coverage for a very affordable one-time cost (often much cheaper than what dealerships charge for the same product). It provides great peace of mind that you’re not going to be financially hurt by an unlucky incident.
• Extended Warranty (Mechanical Breakdown Protection): Even the most reliable cars can have unexpected mechanical failures. Our extended warranty plans (also known as Mechanical Breakdown Protection) cover the cost of repairs beyond the manufacturer’s warranty. You can think of it as an extension of your warranty coverage for several years. If your engine, transmission, AC, or other covered component fails, the warranty plan will pay for the parts and labor – potentially saving you thousands on a single repair. We have different levels of coverage to choose from, including plans that cover virtually all major components (often called “bumper-to-bumper” coverage). These warranties are usable at any licensed repair facility – you’re not restricted to a dealer. Given the high cost of car repairs these days, an extended warranty can be a lifesaver for your wallet. And again, Alta Vista’s pricing on these plans is typically better than what you’d be offered at a dealership. We want you to drive worry-free, knowing a surprise breakdown won’t wreck your finances.
• Debt Protection: This program is like insurance for you. Debt Protection can cancel or suspend your loan payments in certain crisis situations, protecting your family from financial hardship. For example, if you were to become disabled and unable to work, or in the tragic event of a death, or other qualifying events (even involuntary job loss in some plans), Debt Protection would step in according to the plan’s terms. It may cover your monthly payments for a period of time, or cancel your remaining loan balance, depending on the situation. The goal is to ensure that you (or your loved ones) don’t lose the car or face collection actions if something happens that makes it impossible to pay. It’s a way of protecting your credit and your asset during life’s unexpected turns. Alta Vista’s Debt Protection program is optional, but many members appreciate the security it provides. We can explain the specifics of coverage and cost based on the plan you choose. It’s often a small addition to your monthly payment for a lot of peace of mind.

These protection programs are completely optional, but highly recommended. We want our members to be aware of them because they can really shield you from major losses. When you get your loan with Alta Vista, your loan officer will offer these to you and answer any questions. There’s no pressure – it’s your choice. Our philosophy is to educate you on the risks and let you decide how to manage them. Many members in Redlands have been grateful to have added these protections. For instance, members who had a total loss accident were relieved that GAP covered their remaining loan balance. Others have avoided costly repair bills thanks to extended warranties. It’s all about protecting your investment (and yourself) so that one unfortunate event doesn’t become a financial setback.

Secure Financing with a Trusted Local Institution: Lastly, it’s worth emphasizing the overall security of dealing with Alta Vista Credit Union. We’re a stable, federally insured institution (insured by the NCUA) with over 80 years in this community. When you finance with us, you can rest assured that we will be here for the life of your loan. We won’t sell your loan to some out-of-state lender or hit you with surprise fees. You’ll always know where to find us – right here in Redlands and Rialto, or a phone call away. In an era where some lenders are here today and gone tomorrow, Alta Vista is a rock-solid partner you can count on. Financing locally means your money stays local, helping other members and the community, rather than going to Wall Street banks. It’s a good feeling to know your auto loan is with a member-owned, community-focused institution that exists to serve you, not to profit from you. That’s true security and peace of mind.

How to Apply

Getting an auto loan with Alta Vista Credit Union is a simple process. We strive to make it easy and convenient for you to apply and get approved, whether you’re at home or already car-shopping at a dealership. Here’s a step-by-step guide on how to apply for your auto loan and what to expect:

1. Start Your Application (Online or In-Branch): You have options for how to apply – choose whatever method is easiest for you. Many of our members love the online application, which you can access through our website. It’s a secure form that will ask for some basic information (like your contact info, employment, income, and the type of loan you want). It typically takes only a few minutes to complete the application. You can even do it on your smartphone. If you’d prefer, you can also stop by our Redlands branch (1425 W Lugonia Ave) or Rialto branch (2025 N Riverside Ave) and apply in person with one of our loan officers. They’ll be happy to sit down with you, fill out the application together, and answer any questions as you go. There’s no fee to apply, and no obligation to accept the loan if you change your mind.

2. Provide Key Documents: To process your auto loan application, we’ll need a few supporting documents. Having these ready will speed up your approval. Here’s what you should gather:

• Identification: A valid government-issued ID (like a driver’s license or ID card) to verify your identity.
• Proof of Income: Recent pay stubs (usually your last two) or other income proof (such as tax returns or bank statements if self-employed). This helps us confirm you have the ability to repay the loan. Don’t worry – we just use it to calculate affordable payment amounts, not to pry.
• Proof of Address: A document showing your current address (if not on your ID). A utility bill or bank statement with your name and address works.
• Vehicle Information (if you’ve chosen a vehicle): If you already have a specific car in mind or under contract, bring the purchase order, buyer’s agreement, or at least the Vehicle Identification Number (VIN) and details. This allows us to appraise the vehicle and finalize loan terms. If you haven’t picked a car yet, that’s okay – we can issue a pre-approval first, and you’ll provide the vehicle info later.
• Insurance Information: You don’t need insurance in place to apply, but you will need to show proof of insurance before we finalize the loan funding for a car. It’s good to plan ahead for insurance once you know the vehicle. (We require full coverage insurance on financed vehicles, which is standard for auto loans. If you need help obtaining insurance, we can point you in the right direction.)
• For Refinancing: If you’re refinancing a current loan, bring your current loan statement or account info from the other lender. We’ll need the loan number and the lender’s address to send the payoff. Also have your vehicle’s VIN and mileage handy (we often ask for current mileage on refis).

Don’t stress if you don’t have every single thing at the time of application – you can still apply and provide any missing items upon our request. But the more complete info you give upfront, the faster we can get you approved.

3. Application Review & Approval: Once we receive your application (and initial documents), our loan underwriting team will review it. We pull your credit report (this is a standard soft pull at first for pre-approval, and then a hard pull when you proceed with the loan – as any lender would). We look at factors like your credit score, income, and debts to determine approval. Because we’re a local credit union, our approval process is flexible and personalized. Real people (right here in our lending office) are making the decision, not just a computer algorithm. We often can approve loans that other lenders might not, thanks to our understanding of our members and consideration of your overall history. The turnaround is quick – typically within 1-2 business days you’ll have an answer, often the same day if everything is in order. During this time, feel free to call us for updates. But honestly, you probably won’t have to wait long at all!

– Pre-Approval: If you applied without a specific car selected (to get pre-approved first), we will issue a pre-approval letter stating the maximum loan amount and terms you qualify for. For example, “Pre-approved for up to $30,000 for 60 months at X% APR.” This letter is like gold when you go car shopping – it tells the dealer that your financing is virtually guaranteed, which puts you in a strong negotiating position. Pre-approvals are usually valid for around 30 days and can be easily updated if you need more time.

– Conditional Approval: If we need a bit more info (like maybe that second pay stub, or confirmation of insurance), we might give a conditional approval pending those items. Just get us the docs, and we’ll finalize it. We strive to communicate clearly so you know exactly what (if anything) is needed.

– Denial: In the unlikely event we cannot approve the application, we will let you know why and often suggest steps you can take to qualify in the future. However, we do our best to find a solution – for example, sometimes adding a co-signer or adjusting the loan amount can turn a “no” into a “yes.” We’ll discuss options with you. Again, our goal is to help you get the loan if it’s responsibly possible.

4. Finalizing the Loan (Funding): Upon approval, the last step is to sign your loan paperwork and receive funding. If you’re at the dealership with your pre-approval, you can contact us with the purchase details and we’ll work with the dealer to fund the loan (either via check or electronic transfer). Many local Redlands dealerships are familiar with working with Alta Vista Credit Union, and they’ll fax or email us the purchase contract for verification. If you’re using our CarScouts service, they handle a lot of this for you, and you might do the loan signing at our branch or even electronically. If you’re refinancing, we’ll have you sign the new loan documents and we’ll pay off your old lender directly.

We try to make the signing process convenient: you can come into the branch to sign, or we can often arrange secure e-signatures so you can do it from home. Once everything is signed, we’ll either disburse the funds to the seller (in a purchase) or issue a check to you (if appropriate). For purchases, often you’ll drive off the lot the same day you sign your loan papers – the dealer may simply call us to confirm funding, and then hand you the keys. For private sales, we give you or the seller the official check when all is set. For refinances, your old loan will be paid off in a few days and you’ll start with Alta Vista on your next payment cycle.

From application to funding, the whole process can be very quick. Some members have applied in the morning and been driving their new car home by evening with an Alta Vista loan in place! Realistically, expect about 24-48 hours for the full process, especially if done on weekdays. We know timing can be critical (for example, if you want to take advantage of a weekend sale or a particular car before it’s sold), so we work diligently to meet your timelines. Don’t hesitate to let us know if you have a tight deadline – we’ll do our best to accelerate things.

5. Enjoy Your New Car – and Manage Your Loan Easily: After your loan is funded, you’ll receive a welcome packet with all the details of your new auto loan. You’ll find information on your payment due date, payment amount, and how to set up automatic payments (if you haven’t already). Managing your Alta Vista loan is easy with our online and mobile banking. You can view your loan balance, make payments, and even set up alerts through our digital banking platform. We encourage you to utilize automatic payments from an Alta Vista checking account – not only does it qualify you for the rate discount we mentioned, but it also ensures you never miss a payment. You can also make payments by transfer, mailing a check, or even via phone. We’re flexible in accepting payments. And remember, our team is always here for any post-loan questions or needs, such as releasing the title when you pay off, or perhaps helping you with a second loan if you decide to buy another vehicle for your family.

Required Membership: One important note: to get a loan with Alta Vista Credit Union, you’ll need to be a member of the credit union. If you’re not already a member, joining is easy! Membership is open to anyone who lives, works, worships, or attends school in San Bernardino or Riverside Counties – which includes all Redlands residents, of course. (Family members of existing members can also join.) If you’re not yet a member, we can set up your membership during the loan process. It usually just involves opening a savings account with a minimum $5 deposit (your share in the credit union). This savings account makes you an owner of Alta Vista CU! Many people join us specifically to get an auto loan and then end up moving more of their banking over once they experience the credit union difference. We’d love to have you as a member. Our loan officers or branch staff will guide you through the quick membership application – it can be done online or in person alongside your loan. Being a member is a requirement to finalize the loan, but don’t worry, it’s a simple formality and comes with a lot of benefits (access to our checking, savings, and other services whenever you want).

Timeline: To recap the typical timeline – Day 1: Apply (get pre-approved, maybe same-day approval). Day 2: Provide any needed docs, get final approval. Day 2 or 3: Sign loan papers, loan is funded, get your car! Sometimes it all happens in one day; sometimes it spans a few days depending on circumstances. We’ll communicate with you at each step so you’re never in the dark.

By following these steps, you’ll find that financing your car through Alta Vista Credit Union is a smooth and efficient experience. Our goal is to take the stress out of the loan process so you can focus on the excitement of getting your new vehicle. If at any point you’re unsure what to do next, just reach out – we’re here to help make the process crystal clear.

Ready to apply? You can start your auto loan application online now or visit our Redlands branch – and soon you’ll be cruising down the Redlands roads with the confidence that you got a great deal on your auto loan!

Testimonials and Community Impact

One of the best ways to judge a financial institution is by the satisfaction of its members. We’re proud to have earned the trust and loyalty of so many people in Redlands and the surrounding communities. Here are a few real testimonials from Alta Vista Credit Union members about their experiences:

“Everyone is always so polite and ready to help you when you need it.” — Margarita M., Alta Vista member

“They took time to listen to us and accomplish what we had come in to ask.” — Louis H., Alta Vista member

In these few words, you can see what sets us apart: friendly service, helpful staff, and a willingness to go the extra mile to meet our members’ needs. Margarita’s comment highlights the courteous, personalized service you’ll encounter at our branches – we greet you with a smile (often by name) and truly want to assist. Louis’s feedback underscores that we listen to our members. If you have a special request or need help overcoming a challenge, we’ll hear you out and do everything we can to find a solution. These are not isolated quotes; they reflect a common theme in our reviews and surveys. Alta Vista Credit Union consistently ranks high in member satisfaction because we genuinely care about our members’ financial well-being.

Beyond individual service, Alta Vista Credit Union has a rich history of community involvement in Redlands. We’re not a faceless corporation; we’re your neighbors. Here are some ways we contribute to the community and demonstrate our commitment:

• A Legacy in Redlands: Our credit union’s story began in the Inland Empire way back in 1943, originally serving Air Force base employees. As the community grew, we grew with it – in 2007 we expanded to a community charter so that anyone in San Bernardino or Riverside County can join. We’ve been rooted in this area for over 80 years, evolving from a small employee credit union into a community-focused institution open to all. This longevity means we’ve weathered economic ups and downs alongside our members. Through it all, we remain financially strong and reliable – a pillar of stability for Redlands residents. Our history is intertwined with the history of Redlands itself.
• Supporting Local Causes: Alta Vista actively supports local organizations and events. For example, in recent years we’ve donated financial support to area nonprofits, schools, and community programs. (In one recent annual report, it was noted that we provided over $17,000 to local organizations in a single year.) We sponsor community events – you may have seen the Alta Vista Credit Union booth at local fairs, charity runs, or the Redlands Bowl events. We also host member appreciation days and shred days (for secure document destruction) as a service to the community. During the holidays, we often run toy drives or food drives at our branches. Our team members volunteer their time for local causes as well. All of these efforts stem from our core value of being a community partner, not just a business. We live here too, and we want to see our community thrive.
• Financial Education: We believe in empowering our community with knowledge. Alta Vista frequently offers financial education workshops and resources. This might include seminars on first-time car buying (helping young adults understand how auto loans work), budgeting classes, or homebuyer education. We sometimes collaborate with local schools or employers to provide financial literacy sessions. When our members make informed decisions, it strengthens the whole community’s financial health. Even in one-on-one interactions, our staff take the time to educate. For instance, if a member is unsure about the car-buying process, our loan officers patiently walk them through it, explaining terms and giving honest advice – even if that means suggesting a less expensive car or a bigger down payment to set them up for success. We’re here to guide and advise, not just to sell a loan.
• Commitment During Tough Times: In challenging moments (like economic downturns or the recent pandemic), Alta Vista has stood by the community. We offered special skip-a-payment programs and loan extensions to help members facing financial difficulty and remained open (with safety measures) to ensure people had access to their funds. Our Redlands branch stayed open with adjusted services to continue serving members safely. We also invested in improvements like installing solar panels at our branches as part of a sustainability commitment to the community. These are the actions of a credit union that truly sees itself as part of the community fabric. We’re here in good times and bad, helping members navigate whatever life brings.

In summary, Alta Vista Credit Union’s reputation in Redlands is built on trust, service, and community spirit. Our members’ testimonials speak to the positive experiences they’ve had – whether it’s getting that first car loan when no one else would help, or feeling valued and heard every time they walk in. And our decades-long presence in Redlands shows that we’re not going anywhere – we’ll continue to support our neighbors and invest in our community’s future. When you get an auto loan from Alta Vista, you’re doing business with a local institution that genuinely cares about you and the broader community. That’s a feel-good factor you just can’t get from an online lender or big bank.

We invite you to become part of our Alta Vista family and experience for yourself the warmth and dedication that have made us a trusted community credit union for generations.

Frequently Asked Questions

You’ve learned a lot about our auto loans and services – but you might still have some questions. Here are answers to some frequently asked questions about Alta Vista Credit Union auto loans:

• Who is eligible for an auto loan at Alta Vista Credit Union?
  Anyone can apply for our auto loans, but you’ll need to become a member of Alta Vista Credit Union to finalize the loan. The good news is membership is open to a wide community – if you live, work, worship, or attend school in San Bernardino or Riverside County, you’re eligible to join (this covers Redlands and all surrounding areas). Joining is easy and just requires opening a savings account with a $5 deposit. Once you’re a member, you can take advantage of all our services, including auto loans. (If you’re already a member, you’re all set!) Immediate family members of eligible individuals can join too. In short, most Inland Empire residents qualify – and we’re happy to welcome you as a member!
• What vehicles qualify for financing?
  We finance both new and used vehicles – including cars, trucks, SUVs, and vans. Whether you’re buying the latest model off the showroom or a pre-owned car from 5 years ago, we’ve got you covered. Generally, standard auto loans cover vehicles up to around 10 years old (we base it on model year and condition). We even have options for older classic cars (20+ years old) under our Classic Auto program. The vehicle will need to meet some basic conditions (for example, it should have a clean title, and for used cars, it shouldn’t have excessively high mileage without an adjustment). But there’s a wide range of vehicles we’ll consider. If you’re not sure, just ask – 99% of the time, the answer is yes, we can finance it.
• How long does approval take?
  Not long at all. Our online application only takes a few minutes to fill out, and we typically give you a loan decision within two business days – often faster. Many members get a response the same day or by the next morning after applying. If you apply in person at the branch, we can sometimes give instant decisions or at least a preliminary approval on the spot. The exact timing can depend on how quickly we receive any needed documents and how complex the application is, but rest assured we know you’re anxious to get an answer. We prioritize auto loan applications to keep your car purchase moving. Once approved, loan funding is also quick – you can often have everything finalized within another day or two (or sooner if needed). So from application to driving your car, the whole process can be just a couple of days. We won’t keep you waiting any longer than necessary!
• Can I refinance my existing car loan from another lender?
  Absolutely! We encourage it, because we can likely save you money. If you have an auto loan elsewhere (bank, dealer finance, online lender, etc.), you can apply to refinance that loan with Alta Vista. We will pay off your other lender and set you up with a new loan at our lower rate and favorable terms. Many members have refinanced and gotten a lower interest rate (we refinance loans with rates as low as 6.24% APR)* and/or a lower monthly payment. Refinancing is straightforward – you’ll just need to provide your current loan info so we can calculate the payoff. There are no prepayment penalties with most lenders, so refinancing is usually a smart move if we can give you a better rate. Even if your current loan is fairly new, there’s no required waiting period – you can refinance at any time. We handle contacting your existing lender and taking care of the payoff; you just sign new loan documents with us. Tip: This is a great option if you took dealer financing to get a purchase done quickly – come talk to us after and we might beat that rate significantly. As a bonus, if you refinance with Alta Vista, you become a member (if you aren’t already) and can then tap into all our credit union benefits.
• Where are your branches and what are your hours?
  We have two full-service branch locations in the Inland Empire for your convenience:
  • Redlands Branch: 1425 W Lugonia Ave, Redlands, CA 92374 (across from Citrus Plaza). This is our main office and serves as our mailing address as well.
  • Rialto Branch: 2025 N Riverside Ave, Rialto, CA 92377 (in the Walmart Supercenter plaza).

  Both branches offer lobby services, drive-up teller lanes, and 24/7 ATMs on-site. Branch Hours: Monday through Thursday 9:00 AM – 5:00 PM, Friday 9:00 AM – 6:00 PM. (Our Redlands drive-up may open a bit earlier/stay open a bit later – call us for specifics on drive-up hours.) On Saturdays, our branches are generally closed, but our member call center is open from 9:00 AM – 2:00 PM to assist you by phone. We also provide many services online and via our mobile app, so you can do most banking tasks 24/7 from anywhere.

  In addition to our own branches, as a member of Alta Vista you have access to over 30,000 surcharge-free ATMs nationwide through the CO-OP network. That means whether you’re in Redlands, Riverside, or even out of state, you can likely find a free ATM near you (many credit union ATMs and even some in places like 7-Eleven are part of the network). You can also visit CO-OP Shared Branches if you need in-person service when you’re not near our branch – there are hundreds of shared credit union branches where you can perform basic transactions on your Alta Vista account. But for your auto loan needs and account opening, come see us in Redlands or Rialto – we’ll have a hot cup of coffee and a warm welcome waiting!

Have a question not answered above? Check out our Help Center FAQs on our website or give us a call at 909-809-3838. We’re here to help clear up any curiosity you have about our auto loans or membership. No question is too small – we know financing a car is a big decision and you might want lots of details. The friendly experts at Alta Vista are always happy to provide answers and guidance.

Contact & Visit Us

We’d love to hear from you and help you with your auto financing needs. Whether you want to apply, have questions, or just prefer to talk in person, here’s how you can find us and get in touch:

Redlands Branch:
📍 1425 W Lugonia Ave, Redlands, CA 92374 (across from Citrus Plaza, right off the 210 freeway).
📞 Phone: 909-809-3838 (this is our main number for all branches).
🏦 Hours: Monday–Thursday 9:00 AM to 5:00 PM; Friday 9:00 AM to 6:00 PM. (Lobby service. Drive-up teller open slightly extended hours – call for details.)
🚗 Parking: Ample free parking is available in front of the branch. Our location is easy to access with a spacious lot, so you’ll never have trouble finding a spot.
🏧 ATM: We have 24/7 ATMs at this branch. In fact, there are two drive-up ATMs outside (available around the clock), and additional ATM access in the foyer. So you can withdraw cash or make deposits to your Alta Vista accounts any time, day or night.
🗺️ Notes: The Redlands branch is our headquarters and offers the full range of services – new accounts, loans, teller transactions, etc. The interior is large and welcoming (members describe it as having a clean, open layout). Spanish-speaking staff are available. If you need drive-through service, we have drive-up teller lanes as well. There’s also a CO-OP ATM here, so members of other credit unions can use it surcharge-free (and vice versa – as an Alta Vista member you can use CO-OP ATMs elsewhere). We are located across the street from Citrus Plaza, so you can do some shopping or grab a bite before/after visiting us!

Rialto Branch:
📍 2025 N. Riverside Ave, Rialto, CA 92377 (located in the Walmart shopping center at Riverside & Baseline).
📞 Phone: 909-809-3838 (same main line; you can reach the Rialto branch through this).
🏦 Hours: Monday–Thursday 9:00 AM to 5:00 PM; Friday 9:00 AM to 6:00 PM.
🚗 Parking: Plenty of free parking in the plaza. Handicap parking is available right near the entrance.
🏧 ATM: 24/7 ATM on-site (drive-up). This branch also has ATM access inside during business hours.
🗺️ Notes: Our Rialto branch offers full services just like Redlands. It’s a convenient location for members in the west end of San Bernardino County. Inside, you’ll find a friendly team ready to help with loans or any accounts. The branch is easy to find – just look for our Alta Vista Credit Union sign in the Walmart center.

Digital & Remote Banking: Can’t make it into a branch? No problem. Alta Vista offers robust online and mobile banking so you can manage your auto loan and accounts from anywhere. Log in to our secure online banking to view your loan balance, make payments, transfer funds, and more. Our mobile app (available on iOS and Android) lets you do banking on the go – including mobile check deposit and bill pay. You can even apply for loans through our website or app. Basically, if you can’t come to us, we’ll come to you – through your phone or computer! We also have Phone Banking (“Audio 24”) available 24/7 at 909-809-3837 for automated account information.

Member Service & Loan Assistance: If you have questions about applying or need help at any step, give us a call at 909-809-3838. Our Member Service Call Center is open Monday–Thursday 9am-5pm, Friday 9am-6pm, and even Saturdays 9am-2pm for your convenience. Our trained member service reps can answer many of your questions right over the phone, help with starting an application, or schedule you an appointment with a loan officer. You can also reach out through our website’s Contact Us form or even live chat during business hours. If you prefer email, send us a note via the secure contact link on our site and we’ll get back to you promptly.

Online Application: Ready to apply now? You can jump straight to our online loan application by visiting our website and clicking “Apply for a Loan” (or Apply Online). The application is straightforward, and remember – no application fee. If you start an application and need to finish later, you can save it and come back, or check your application status at any time. And don’t hesitate to call if you have any trouble; we can often take an application by phone or guide you through the online form.

Directions: If you’re coming to the Redlands branch, we’re just west of the 210 Freeway California St. exit (then north on California and east on Lugonia). It’s basically at Lugonia Ave and Alabama St. Look for the Alta Vista Credit Union building next to some eateries and shops – you can’t miss our logo. For the Rialto branch, from the 210 Freeway take the Riverside Ave south exit; From N Riverside Ave heading south, the branch at the far end of the Shoppes at Creekside complex on your left (east side of street).

Accessibility: Both branches have accessible ramps and restrooms. We strive to accommodate all members – if you have any special needs, please let us know. Our website is also designed to be accessible (and we have an accessibility statement online to ensure we meet ADA guidelines).

We look forward to seeing you or hearing from you! Whether you want to chat about loan options, get pre-approved, or finalize your auto financing, our team at Alta Vista is here to help make it happen.

Alta Vista Credit Union – proudly serving Redlands and the Inland Empire with top-notch auto loans and member-first service. 🚗💨

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Membership and credit approval required. Rates and terms are subject to change; quoted rates include available discounts. APR=Annual Percentage Rate. 5.49% APR rate and 90-days no payment offer are examples as of this writing – contact us for current promotions and eligibility. Loan rates and approval depend on credit, income, vehicle value, and other factors. Direct deposit, automatic payment from an Alta Vista account, and e-statement enrollment are required for lowest rate. Payment example: $20,000 financed at 5.49% APR for 60 months = approx. $382 monthly. Gap, Warranty, and Debt Protection products are optional and not a condition of credit; restrictions apply – see brochures for full details. Federally insured by NCUA. Equal Housing Opportunity.

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