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Auto Loans

Get the vehicle and payment you want

Rates as low as 5.74% APR*

Apply Now Make A Payment

Auto Loans

Get the vehicle
and payment you want

Rates as low as 5.74% APR*

Apply Now Make A Payment
We provide car buyers with quick and flexible financing to help you get the vehicle you want more easily and affordably. Whether you choose to purchase a new or used vehicle, refinance a vehicle loan, purchase from a private-party, or take cash-out on a vehicle, we offer the same great low rate.

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Rates, Calculators, and Resources

Rates

APR* as low as

Rates

APR* as low as

New/Used Autos

Up to 72 Months

Rate includes 0.25% rate reduction with LTV 75% or less

New/Used Autos

5.74%

Up to 72 Months

Rate includes 0.25% rate reduction with LTV 75% or less

5.74%

Fixed

New/Used Autos

Up to 84 Months

Rate includes 0.25% rate reduction with LTV 75% or less

New/Used Autos

5.99%

Up to 84 Months

Rate includes 0.25% rate reduction with LTV 75% or less

5.99%

Fixed

FIRST Auto

Up to 72 Months

FIRST Auto

10.24%

Up to 72 Months

10.24%

Fixed

View Rate Sheet

Auto Calculators

Resources

Determine the Value of a Vehicle

Get a Vehicle History Report

Private Party

All loans subject to approval. Collateral conditions and restrictions apply. Rates, terms and conditions are subject to change and vary based on creditworthiness and other factors. Not available to refinance an existing Members 1st loan.

Offer available on approved credit and excludes auto refinances. Offer expires May 27th, 2025. Terms and conditions are subject to change without notice.

Loan Options

Enjoy the same great low rate regardless of which loan option you choose.
New or Used Vehicles
For sale balloons on new and used cards

New or Used Vehicles

Get pre-approved for your next new or used vehicle or finance with us directly from the dealership.

How it Works

  1. Shop for your desired vehicle and coordinate an accepted offer with dealership
  2. Ask the dealership to submit your loan application to Members 1st Credit Union
  3. We’ll coordinate your approved loan rate and term with the dealership
  4. Complete the final paperwork at the dealership and leave with your vehicle
  5. We will contact you within a few days to review your loan with you and setup your preferred payment method and date
Refinance
Private-Party
Cash-out

Download the Auto Buying Guide

Get the expert tools and tips you need to make the most out of your next vehicle purchase.
Download Now

Loan Features

100% financing

No down payment? No problem. Finance the full amount of your vehicle.

Fast approval

Receive a response on your auto loan application within 24-48 hours.

24/7 Access

Have instant access to your loan account from your mobile, tablet, or desktop device.

Convenient

Don’t have time to visit a branch and finish your application? No problem. We’ll send forms to you to sign electronically.

Automatic Payments

Set it and forget it. Never miss a payment again with automatic payments from your Members 1st or other checking account.

No Obligation

Find out how much you can save with no obligations, application fees, processing fees, or early payoff fees.

Vehicle Protection

Get the most out of your vehicle by adding protection plans to your loan with Members 1st

Wealth ProtectionChoose wealth protection for you and your family. Should you ever be injured and unable to return to work, lose your employment, utilize family leave, or suffer a fatality, you or your beneficiaries will receive loan aid including possible loan forgiveness. Better yet, this benefit can be added to your loan while not adjusting your monthly payment.

Guaranteed Auto Protection (GAP)Protect yourself in the event of a total loss or theft of your vehicle. Cover the balance of your loan after an insurance payout and receive a downpayment towards a replacement vehicle. GAP Advantage with Powerbuy is great for longer term loans and available for most new and used personal vehicles.

Major Mechanical ProtectionChoose the right warranty for your new or used vehicle with four different levels of coverage and protect yourself from unexpected repairs. Enjoy value added benefits such as towing, winching, tire changing, lockout service, and fuel delivery. Plus, increase the resell value of your vehicle with our resellable warranties.

First Time Buyer Program

Get access to your first vehicle with a competitive rate, flexible repayment terms, and without the need of a cosigner.
First Time Buyer

Overview

Designed for members with little or no credit, the FIRST Auto program allows you to acquire your own auto loan without requiring a cosigner or guarantor. Ideal for students and young adults, the FIRST Auto Program helps you build credit, sets you on a path of financial security, and encourages positive money management.

  • Maximum loan amount $20,000
  • Maximum term up to 72 months
  • Employed with current employer for a minimum of 6 months
  • Maximum vehicle age of 10 years old
  • Maximum vehicle mileage of 115,000
  • Minimum 10% cash down or trade
  • Minimum of 5 references
  • Proof of income and residency
Apply Now

Get in Touch

Please provide us with your contact information for a quick response from our lending team.
Apply now or speak with one of our loan officers at (800) 303-3838.

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