Rates, Calculators, and Resources
Rates
APR* as low as
Rates
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
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
Get pre-approved for your next new or used vehicle or finance with us directly from the dealership.
How it Works
- Shop for your desired vehicle and coordinate an accepted offer with dealership
- Ask the dealership to submit your loan application to Members 1st Credit Union
- We’ll coordinate your approved loan rate and term with the dealership
- Complete the final paperwork at the dealership and leave with your vehicle
- We will contact you within a few days to review your loan with you and setup your preferred payment method and date
Refinance
Move your loan to Members 1st for a lower payment, lower rate, or faster payoff.
How it Works
- Submit an application online or by phone
- Receive your approved loan amount, term, and estimated payment
- We will payoff your old loan and create your new loan with Members 1st
- You provide us with your preferred method for receiving loan statements and making loan payments
Private-Party
We can finance a vehicle you buy from Craigslist, Facebook, or a private-party.
How it Works
- Submit an application online or by phone
- Receive your pre-approved loan amount to help you search for a vehicle that fits your budget
- When you find a vehicle, share the details with your Members 1st loan officer for a free Auto Check Report
- Your loan officer will guide you through the completion of your loan and purchase of your vehicle
- We can file your DMV paperwork on your behalf for free
- You provide us with your preferred method for receiving loan statements and making loan payments
Cash-out
Borrow against the equity you have in a vehicle you own for whatever purpose you like.
How it Works
- Submit an application online or by phone
- Receive your approved loan amount, term, and estimated payment
- You provide us with your preferred method for receiving loan statements and making loan payments
- 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.
Vehicle Protection
Get the most out of your vehicle by adding protection plans to your loan with Members 1stFirst Time Buyer Program
Get access to your first vehicle with a competitive rate, flexible repayment terms, and without the need of a cosigner.
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