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Auto Loans

Get behind the wheel faster with a new or used auto loan. Competitive rates, zero fees, and flexible terms will have you cruising down the highway in no time.

A young woman gets behind the wheel of a new car her mother bought thanks to a credit union auto loan.


We simplify financing for a stress-free buying or refinancing experience. Our lending team will help you find the right loan and terms tailored to your budget.

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Explore the highways and byways in a new or used recreational vehicle. Our recreational vehicle loans make your road trip dreams an affordable reality.

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Your first car-buying experience should be memorable. We’ll help make it unforgettable with financing fit for first-timers.

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Discover how much you could save by checking out our competitive car loan rates. We offer a wide range of financing options tailored to meet many budgets.

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Benefits of Legacy Auto Loans:

Fast Approval

Our quick and easy application offers a streamlined approval process to get you a fast approval.

Great Interest Rates

Benefit from our great rates to keep more money in your pocket now and in the future.

Flexible Terms

Get the loan you want with flexible terms to fit your needs. Customize length, rate, and payment to match your budget.

No Hidden Fees

You’ll know upfront what you pay with no hidden fees. Our transparent lending means the cost you see is the cost you get.

Personalized Service

Get one-on-one guidance from our lending experts. We’ll take the time to understand your needs and goals.

Easy Payments

Set up automatic loan payments for simplicity and efficiency.

More Details About Auto Loans

Legacy Credit Union has a lending package that fits your needs. The process is easy, the rates are great, and the convenience is unmatched.

Features include:

  • Up to 100% financing for qualified members
  • Terms up to 84 months for loans (some restrictions apply)
  • No application or processing fees
  • Pre-approvals for negotiating power (know what you can spend before you shop)
  • Low-cost credit life and disability insurance plus GAP coverage
  • Low-cost Mechanical Repair Coverage (warranty)
  • Complete your financing on-site at participating dealerships

Act now to get the affordable auto loan you need. Apply online or in-branch for fast approval and great rates.

A salesman handing over the keys to a new car to an excited couple after their car loan in Birmingham was approved.

Our Easy Application Process for an Auto Loan

Apply Online

Apply Online

Gather your personal info and click the button below to get started.

Get Pre-Qualified

Get Pre-Qualified

We’ll tell you how much you’re approved for and fund your loan fast.

Go Car Shopping!

Go Car Shopping!

Take your pre-approval to the dealership and negotiate with confidence!



“Very nice and easy to get a payoff of my car. They didn’t hassle me like other credit unions have in the past. Glad I got my loan with Legacy Credit Union.”

– Orange B., Birmingham, Alabama

FAQs About Auto Loans in Birmingham

You can buy new and used cars, trucks, vans, SUVs, RVs, boats, motorcycles, and more. We offer flexible financing for all types of personal and recreational vehicles.

You can easily apply online, over the phone, or by visiting one of our local branch locations. We’re here to help you every step of the way.

We offer auto loans to borrowers with various credit scores and histories. Remember that making regular monthly payments can help your credit score. Contact us to learn more.

At Legacy Credit Union, of course! We specialize in auto loans for Birmingham residents. Our experts will work with you to understand your needs and help you get financed.

We offer flexible loans, great rates, and local service at convenient branches. Let us help you drive off the lot happy by financing your next car!

Our auto loans do not charge application or processing fees. You also won’t get hit with a prepayment penalty if you decide to pay off your car loan sooner rather than later!

You can view the Annual Percentage Rate options on our rates page. Remember that rates are subject to change based on market conditions and other factors.

Let Us Help You Get Behind the Wheel Today

Get Pre-Approved
Call: 205-930-5000
Contact Us

More Ways to Borrow

Personal Loans

Get the extra cash you need for any purpose with our personal loan options. Apply online today!

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Credit Card

Enjoy rewards, cash back, low rates, and more with our Visa® credit cards.

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Home Equity

Tap into your home’s equity and use the funds for education, debt consolidation, home improvements, and more!

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*The interest rate, annual percentage rate (APR), origination fees, discount points and closing costs are subject to change without notice.

***Your APR will vary based on your final loan amount, credit history, loan to value, margin, and finance charges.

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