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Refi your auto or RV

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New and Used Autos

Shop for your next vehicle with Members 1st. Get pre-approved online and finance your new ride at the dealership, from our branch, or in your living room.

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Did you know you can refinance an existing vehicle loan? Save with a lower rate, lower payment, or both by refinancing your existing vehicle loan with us.

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Buying a vehicle from a private party? We’ll help you evaluate your new vehicle and we'll work up the necessary loan and DMV documents on your behalf.

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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

Experience the difference of a Members 1st auto loan.

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.


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.

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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.

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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.

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First Time Buyer Program

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


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


Loan Rates

APR* as low as

New and Used Autos

See rate sheet for terms

Rate includes 0.25% rate reduction for automatic payments

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72 months

Rate includes 0.25% rate reduction for automatic payments

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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.

Apply now or speak with one of our loan officers at (800) 303-3838.