The Alternatives Federal Credit Union is a auto loan from Alternatives Federal Credit Union. The ongoing APR is Model years 2023 and newer: 740+ 7.49% (48 months) to 600-639 13.49% (84 months); 2019-2022: 740+ 8.24% to 600-639 13.74% (48 to 72 months). Typical credit limit: $65,000 loan maximum for model years 2026 and 2025; $50,000 loan max for model years 2024 and 2023 and for 2019-2022. Loan terms: 48, 60, 72 or 84 months depending on model year and score.