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.
Apply NowRefinance
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.
Apply NowPrivate-Party
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.
Learn MorePromotions
Take advantage of exclusive promotions from Members 1st designed to help you save more. Act quickly as these promotions are available for a limited time.
Download the Auto Buying Guide
Get the expert tools and tips you need to make the most out of your next vehicle purchase. Download NowLoan 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.
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.
First 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
Calculators and Resources
Find your next vehicle with Members 1stRates
Loan Rates
New and Used Autos
Up to 84 Months
Rate includes 0.25% rate reduction for automatic payments
Apply Now3.39%
Fixed
10.24%
Fixed
Private Party Rate 1
72 months or less
Rate includes 0.25% rate reduction for automatic payments
Apply Now2.99%
Fixed
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.
1 Private party auto loans - 2013 or newer, 100,000 miles or less. 110% loan to value plus warranty and gap. No lemon-law titles, salvage titles, or commercial vehicles.