Empowering Our Community, One Ride at a Time
Need a reliable car for work, school, caregiving, or everyday life? We can help you buy a new or used vehicle or refinance your current auto loan to get a payment that fits your budget.
At Alternatives, we don’t reduce you to a number. We look at your whole financial picture and work with you to find a path forward—so you can keep moving toward your goals.
Why Choose Alternatives for Your Auto Loan?
As a Community Development Financial Institution (CDFI), we’re here to expand access to fair financing—especially for people who are often pushed toward high-cost loans with terms that don’t truly fit. We offer competitive rates, clear explanations, and support you can trust.
I hope that you remember these moments and what you do for people like me. That’s what matters most in this world and I’m simply grateful for people like you. -M.T.
Questions before you apply?
Talk with a loan specialist about next steps, what you may qualify for, and what documents you’ll need. Choose virtual, in-person, or phone—whatever’s easiest.
Virtual, in-person, or phone
Ready to move forward? Here’s what to have ready for your application.
Vehicle Purchase – New or Used
Documents needed:
- Proof of Income (paystubs, social security benefits statement, disability)
- Identification (driver’s license, military ID, passport)
- Purchase offer from dealer or Bill of Sale from individual
- Copy of front of title from individual
- If a lien is showing on the title, we will need lien release or a 10-day payoff from the seller
- An Insurance binder from the borrowers insurance company listing Alternatives as the lien holder (contact your insurance company)
- Maximum deductible $1,000
Refinance from another financial institution
Documents needed:
- Proof of Income (paystubs, social security benefits statement, disability)
- Identification (driver’s license, military ID, passport)
- 10-day payoff amount (from your lender)
- Copy of the title (we will need this before signing the loan documents)
- Insurance binder from the applicants insurance company listing Alternatives as a lien holder (contact your insurance company)
- Maximum deductible $1,000
Apply Now!
New to Alternatives
Existing Member
Check Status
Buying a new vehicle? You may qualify for a tax deduction on the interest you pay. Learn the basics below.
Plan with confidence—Calculators
Not sure what fits your budget? These calculators can help you explore options and feel more prepared—whether you’re shopping for a car or thinking about refinancing.
Loan Protection—A little extra peace of mind
Buying a car is a big step. Optional protections can help you avoid major out-of-pocket costs if your vehicle is totaled or stolen, or if you face unexpected repairs and common wear-and-tear issues.
At Alternatives, we’re here to support your financial well-being—not just approve loans. We’ll explain your options in plain language, answer questions without pressure, and help you choose terms that fit your budget. Ready to buy or refinance? Apply now—or schedule an appointment if you’d like to talk it through first.
Not ready to apply yet? Get loan-ready first.
A strong application starts with a plan—not a perfect credit score. Learn how to check your credit report, understand debt-to-income, and take practical steps that can improve your chances.
No judgment. Just clear next steps.