No down payment? No problem. Finance the full amount of your vehicle.
Receive a response on your auto loan application within 24-48 hours.
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.
Set it and forget it. Never miss a payment again with automatic payments from your Members 1st or other checking account.
Find out how much you can save with no obligations, application fees, processing fees, or early payoff fees.
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 ProgramGet 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
Rate includes 0.25% rate reduction for automatic paymentsApply Now
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.