Auto Loans

• Competitive fixed and variable rates on new or used vehicles
• A wide range of terms available, customized to your situation
• Pre-approval available for extra bargaining power at the dealership
• Refinance your current vehicle to potentially lower your rate
• Prompt, local decision-making and processing
• Friendly, reliable service
• Available to residents of Tuscaloosa, Northport and the surrounding area

New Auto Loan

• Maximum amount: MSRP/Sticker
• Maximum term: up to 84 months
• Optional low-cost payment protection
• Optional GAP coverage (see “Additional Coverage” below) 

Used Auto Loan or Refinance

• Maximum amount: NADA Retail
• Maximum term: up to 84 months
• Optional, low-cost payment protection
• Optional GAP coverage (see “Additional Coverage” below)

Purchase or refinance a vehicle for your next outdoor adventure. We offer affordable financing for RVs, travel trailers, ATVs, motorcycles, watercraft or farm equipment.

• Competitive rates for a wide range of recreational vehicles
• Flexible terms available, customized to your situation
• Refinance your current vehicle to potentially lower your rate
• Maximum amount: MSRP/Sticker for new, NADA Retail for used
• Maximum term: up to 120 months
• Optional, low-cost payment protection
• Optional GAP coverage available for motorcycles only (see “Additional Coverage” below)
• Prompt, local decision-making and processing
• Friendly, reliable service
• Available to residents of Tuscaloosa, Northport and the surrounding area

Mechanical Breakdown Protection

Get the Route 66 Extended Warranty.

The most comprehensive mechanical breakdown coverage (for all makes and models of automobiles) is available to all RiverFall members.  

No matter where you travel in the United States,  you’re protected against major mechanical expenses, and there is no deductible on covered parts or labor. 

The lowest-cost, best coverage in extended service plans for your vehicle. 

You’ll also find First Street (Drivetrain Plus), Main Street (Deluxe), and Easy Street (Factory Type/Best Available Coverage) plan level options available to suit your needs. 

Coverage benefits include:

• $0 deductible on all plans
• 30-day “free look” — cancel for any reason within first 30 days and get a full refund*
• Emergency Roadside Service included (up to $50 per incident) — includes towing, lock-out service, jump starting, fuel delivery
• Rental car allowance (Easy Street - $50/day; Main Street/First Street - $40/day)
• Open enrollment — at loan origination; vehicles financed elsewhere; vehicles with no lien holder.
• Battery coverage — repair or replace battery ($65 contract limit)
• Competitive rates from a company with over 30 years of experience!

*Unless state restrictions apply. 

All RiverFall members are eligible, so call us at 205-759-1505 to speak to a representative about this valuable protection. 

GAP Coverage

GAP coverage protects "upside down" car buyers.

After a home, a new car is the largest purchase many of us will ever make. 

With such a big part of your financial worth riding on four wheels, a totaled or stolen vehicle may break not only your heart, it could break your budget, too. 

As many drivers have learned only after it's too late, a standard auto insurance policy might not provide all the financial protection you need. If the value of  your car is less than the balance of your auto loan, you're "upside down" on your loan, and there's a “gap” that isn't covered. That difference is what a special type of protection, called “GAP coverage,” is designed to cover.

To see how you could end up in an upside down situation, consider this scenario.
Your car has taken a trip downriver during a record-breaking flood, just one year after you drove it home from the lot:

• Amount you owe on your auto loan: $20,000
• Your car's book value at the time of loss: $15,000
• Your insurance deductible: $500
• Amount the insurance company pays you: $14,500
• The gap: $5,500 

Gap protection is intended to cover the difference between the value of your car at the time it's totaled and your outstanding loan balance — which you are still responsible for paying, even if your car is sitting under 10 feet of water. For more information, speak to a lender today. 

Certain exclusions and limitations apply.