The Alternatives Federal Credit Union is a auto loan from Alternatives Federal Credit Union. The ongoing APR is Model years 2023 and newer: 740+ 5.00% (36 months) to 549 or less 14.99% (36 months), up to 84 months; payment example $312.00 a month based on a 5-year term, $15,000 loan at 8.74% APR. Typical credit limit: $65,000 loan maximum for model years 2026 and 2025; $50,000 for 2024 and 2023 (2021-2022 $50,000; 2016-2018 $25,000). Loan terms: 36, 48, 60, 72 or 84 months depending on model year and score.