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Auto Loans

Get the vehicle and payment you want

Rates as low as 2.94%

Apply Now

Auto Loans

Get the vehicle
and payment you want

Rates as low as 2.94%

Apply Now

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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Loan Options

Enjoy the same great low rate regardless of which loan option you choose.
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
Smiling girl resting her arms on an open car window

Refinance

Move your loan to Members 1st for a lower payment, lower rate, or faster payoff.

How it Works

  1. Submit an application online or by phone
  2. Receive your approved loan amount, term, and estimated payment
  3. We will payoff your old loan and create your new loan with Members 1st
  4. You provide us with your preferred method for receiving loan statements and making loan payments
Girling taking a selfie with her dog in the back of her car

Private-Party

We can finance a vehicle you buy from Craigslist, Facebook, or a private-party.

How it Works

  1. Submit an application online or by phone
  2. Receive your pre-approved loan amount to help you search for a vehicle that fits your budget
  3. When you find a vehicle, share the details with your Members 1st loan officer for a free Auto Check Report
  4. Your loan officer will guide you through the completion of your loan and purchase of your vehicle
  5. We can file your DMV paperwork on your behalf for free
  6. You provide us with your preferred method for receiving loan statements and making loan payments
A pair of boots hanging out of the trucks window

Cash-out

Borrow against the equity you have in a vehicle you own for whatever purpose you like.

How it Works

  1. Submit an application online or by phone
  2. Receive your approved loan amount, term, and estimated payment
  3. You provide us with your preferred method for receiving loan statements and making loan payments
  4. We will deliver your funds into your Members 1st checking account or with a check as quickly as the same day

Download the Auto Buying Guide

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

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.

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

Rates, Calculators, and Resources

Rates

APR* as low as

Rates

APR* as low as

New and Used Autos

Up to 72 Months

Rate includes 0.25% rate reduction for automatic payments and eStatements

Apply Now

New and Used Autos

2.94%

Up to 72 Months

Rate includes 0.25% rate reduction for automatic payments and eStatements

Apply Now

2.94%

Fixed

FIRST Auto

Up to 72 Months

Rate includes 0.25% rate reduction for automatic payments and eStatements

Apply Now

FIRST Auto

10.24%

Up to 72 Months

Rate includes 0.25% rate reduction for automatic payments and eStatements

Apply Now

10.24%

Fixed

View Rate Sheet

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.

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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