The best auto rates are here

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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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Refinance

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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Private-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.

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Special Promotion

Swap your auto loan and save up to $500 when you refinance with us.

Overview

Bring your auto loan to Members 1st and if we can’t beat your current rate by 2%, we’ll give you up to $500 when you refinance with us*. Cash awards are based on the following loan amount tiers:

  • $5,000-$19,999
    $
  • $20,000-$49,999
    $
  • $50,000 or more
    $
Refinance Now

*The 2% discount will be applied to the interest rate and will only be offered on loans that meet credit union underwriting criteria. The total rate, including the Swap and Save discount and any other Members 1st discounts, is subject to the current floor rate available at MembersOnline.org. If Members 1st cannot beat your current vehicle loan rate by 2%, we will credit up to $500 to your credit union account based on the following loan amount tiers: $5,000-$19,999 loan receives $100, $20,000-$49,999 loan receives $200, and $50,000 loan or more receives $500. Credits may be applied up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process. Auto loan proceeds may not be used to refinance existing Members 1st Credit Union auto loans. This offer is available for a limited time and subject to change.

Swap and Save

Calculate your savings

Enter your existing vehicle loan information to see how much you can save by refinancing with us.
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Cash Back
$0
and/or lower your interest rate by
0%

If Members 1st cannot beat your current vehicle loan rate by 2%, we will credit up to $500 to your credit union account based on the following loan amount tiers: $5,000-$19,999 receives $100, $20,000-$49,999 receives $200, and $50,000 or more receives $500. Credits may be applied up to 30 days after Members 1st funds the approved application. Credits to Members 1st accounts in excess of $600 a year will be reported as miscellaneous income for tax purposes. A current loan statement from your lender will be required during the application process. Savings and interest rate discounts are approximations. For precise savings and interest rates, speak with a loan officer.

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.

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.

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.

Overview

Designed for members with little or no credit, the FIRST Auto program allows you to acquire your own auto loan without requiring a co-signer 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

Rates

Type APR as low as Fixed Terms up to Rate Sheets
New & Used Autos
2.75%
60 months Apply Now
New & Used Autos
3.45%
84 months Apply Now
First Auto
9.99%
72 months Apply Now

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