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Private Party Auto Loans

Fast and easy financing from private sellers

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Buying a vehicle from a private seller? Consider a Private Party Auto Loan. Unlike auto dealers, private sellers don’t offer financing. Members 1st can help finance your vehicle purchase, provide a free Auto Check Report, complete all your DMV paperwork, and sign your loan online. Whether you’re looking in-state or out-of-state for a vehicle, RV, boat, or trailer, we can help.

  • 90 Days No Payments
  • $50 Gas Card
  • Fast Loan Approval
  • We File Your DMV Forms
  • Free Auto Check
Ebook on how to complete a private party title

Completing a Private Party Title

The intricacies of completing your own title transfer can be confusing and intimidating. Download our simple Private Party Title guide for free and learn how we can complete your title and DMV paperwork on your behalf. Or if you prefer the control, we can walk you through the process of completing a clean title or a title with a lienholder.

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Free Auto Check Report

You'll receive a free "Auto Check" report providing a detailed history of the vehicle being purchased, protecting you from fraudulent sellers and giving you peace of mind you won't be met with any unfortunate surprises.

A person relaxing on a hammock

We File Your DMV Paperwork

Let us take the hassle out of filing your DMV paperwork by completing and filing everything on your behalf. Or if you prefer the control, we can guide you through filing your own paperwork with one of our knowledgeable DMV experts.

how to get started

  1. Submit an online or phone application to receive a pre-approved loan amount to help you search for a vehicle that fits your budget
  2. After finding your desired vehicle, receive a free Auto Check Report by sharing the vehicle details with your loan officer
  3. Your loan officer will guide you through the completion of your loan and purchase of your vehicle
  4. Request to have your DMV paperwork filed on your behalf by Members 1st for free
  5. Set your preferred method for receiving loan statements and making loan payments

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


Experience the difference of a Members 1st private party 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.

Auto Check Report

Free with every loan, providing history of your vehicle and protection from fraudulent sellers.

DMV Filing

We simplify the DMV paperwork process and file your vehicle forms on your behalf.

Electronic Signing

Complete your loan signing electronically and receive your funds as quick as the same day.

Loan Criteria

Members 1st can make exceptions, but for the most part, prefers private party vehicles that meet the following guidelines:

Maximum vehicle age of 12 years old

Maximum vehicle mileage of 115,000

No lemon-law title or salvage title

No Commercial vehicles

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

Calculators and Resources

Find your next vehicle with Members 1st
Determine the Value of a Vehicle
Get a Vehicle History Report


Loan Rates

APR* as low as

New and Used Autos

Up to 84 Months

Rate includes 0.25% rate reduction for automatic payments

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Up to 72 Months

Rate includes 0.25% rate reduction for automatic payments

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Private Party Rate 1

72 months or less

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.

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.

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