Auto Loans

Hit the road

We offer great rates, fast application, and a range of options designed to make getting your next ride more convenient than ever.

We make auto loans simple

That means transparent pricing, zero guesswork, and clear, flexible choices.

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Apply before you shop

Shopping for your vehicle shouldn't feel like a guessing game. By applying for your loan before you get to the dealer, you'll know precisely what you can afford.

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No prepayment penalties

Want to pay off your loan ahead of schedule? That's awesome. We'll never penalize you for paying early.

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Discounts for loyal members

Our members are our family. And being part of the family has its rewards—like discounted auto loan rates through our Member Loyalty Rewards program.

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Know your choices

Whether you're shopping for a muscle car or a minivan, we'll help you choose from a wide variety of financing options made to accommodate every vehicle and lifestyle.

Your options

New

Finally found the ride of your dreams? We'll finance up to 100% of the sale price with terms ranging up to 84 months.

Used

Considering buying a used car? We'll finance your used vehicle with terms up to 84 months.

Refinance

Save money by refinancing your vehicle loan with Members 1st.

Dealership

Take advantage of one-stop shopping, and apply for an auto loan from Members 1st at hundreds of participating dealerships.

rates
Rates As Low As

12 Months 3.34% APR
24 Months 3.34% APR
36 Months 3.34% APR
48 Months 3.34% APR
View All Rates
Calculate

Thinking of using a home equity loan to buy a car? Compare your options and see how much you could save.

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Common Questions

We do our best to provide all lending decisions as quickly as possible. Larger, more complex loans may take longer.

We will work with you to find the best option to pay off your loan and accommodate your needs. Your insurance agent will be a great resource for you, and we encourage you to reach out to them for further guidance. After speaking with your agent, we'll be here to help you figure out your payment options.

Qualifying for a loan depends on several factors. Your credit history, income stability and ability to repay are among the factors considered.

Buying a car is a big decision. Consider your budget, how much you want to finance, and whether you can afford the payments and insurance. We suggest doing some homework first to be sure you're getting the best deal possible.

Connect with an expert
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Still have questions?

We're here to help you find answers. Give us a call or stop by your nearest branch.

We're Here to Help

Getting Ready for Life's Moments and Milestones

Hit the Road

Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.

Get Started

Off to College

Welcome to the start of a new beginning! Here's how to avoid student loans and make the most of saving for college.

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Buying a House

Your home will likely be the biggest investment you ever make. Here’s everything you need to know—and who to talk to if you’d like some personalized guidance.

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Goal Savings

Save for big plans—a little at a time. With great rates and powerful in-app tools, it’s never been easier to set (and achieve) your long-term goals.

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Visa Signature® Card

Get 1.5% cash back (or 1.5 points) on every dollar you spend. On top of that, you get emergency medical coverage, trip interruption insurance, and Visa Signature Concierge Service—all with no annual fee.

Get Started

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