We make auto loans simple
That means transparent pricing, zero guesswork, and clear, flexible choices.
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.
No prepayment penalties
Want to pay off your loan ahead of schedule? That's awesome. We'll never penalize you for paying early.
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.
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.
Finally found the ride of your dreams? We'll finance up to 100% of the sale price with terms ranging up to 84 months.
Considering buying a used car? We'll finance your used vehicle with terms up to 84 months.
Save money by refinancing your vehicle loan with Members 1st.
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.
Getting Ready for Life's Moments and Milestones
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
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.Get Started
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.Get Started
Hit the Road
Hear that? It’s the open road calling. Here’s how to get an auto loan quicker and smarter.Get Started