Skip to main content

Auto Loans

Auto Loans

In the market for a new or used vehicle? First U.S. has great low rates and affordable payments designed to fit your budget. Get pre-approved first to make your buying experience as smooth as possible. We offer a special rate discount for purchases through our friends at Enterprise Car Sales and Autoland, and our new concierge auto buying service Autoland can help you find a great deal without having to haggle! We even offer a First Time Auto Buyer program to help purchase a vehicle without a cosigner.

NEW! .25% APR Discount on a new or used hybrid or electric vehicle

NEW! EV Charging Station Loans

Always start by getting pre-approved, then choose the option you prefer:

NEW! Skip the dealer and search/buy your next vehicle with Autoland

We’re happy to introduce you to Autoland – the online auto buying experience that lets you search for your next vehicle and leave the haggling to the Autoland consultants.

  • You’ll get a great deal on your vehicle
  • Autoland does all the work, locating your vehicle and even securing any available dealer incentives

Everyday discount applies to standard, posted rates. May be combined with one other offer; restrictions apply.

Save with our everyday discount at Enterprise Car Sales

  • Enjoy a 0.50% APR discount when you buy from Enterprise Car Sales
  • Shop worry free with a 7-day buyback guarantee
  • And you can trust their quality inventory with ASE-certified inspections
  • Save with Enterprise Car Sales today

Everyday discount applies to standard, posted rates. Not available with any other rate discounts or offers.

Get Preapproved and Visit a Dealer Today

  • Credit Union Direct Lending allows you to get First U.S. financing right at the dealership
  • Just say "I want First U.S. financing" when you visit your favorite dealer
  • Visit our AutoSmart page to get started

First Time Auto Buyer

It's simple to purchase your first car with a First Time Auto Buyer loan from First U.S.

  • No credit necessary (but no derogatory credit), and no co-signer necessary
  • Only $500 down required
  • Enjoy a low, fixed APR for terms to 66 months
  • Finance up to a maximum of 100% MSRP for new vehicles or 100% of high Kelley Blue Book for used vehicles
  • Ask us about a 1.00% APR discount for existing members or family of existing members, and an additional ½% APR discount for loans of 80% MSRP or high KBB

Call a Member Service Representative at (800) 556-6768 to get more information or to start the process. Or stop by your local branch today.

Annual Percentage Rate (APR), Terms and offers effective 09/30/2023 and subject to change without notice. Existing member is defined as having an account in good standing and open for a minimum of 3 months at the time of loan application.

NEW! In the market for an electric or hybrid vehicle?

  • Finance with First U.S. and get a 0.25% APR discount whether you’re buying a new or used hybrid or electric vehicle
  • Just say “I want First U.S. financing” when you visit your favorite dealer, or ask us if you’re purchasing from a non-dealer
  • Request your qualifying discount and we'll apply it as your loan closes.

Upon request. Membership must be established prior to loan application. Discount applies to standard, posted rates. Not available with any other rate discounts or offers.

NEW! EV Charging Station Loans

  • Low fixed-rate loans to help you purchase EV chargers – click “current rates” to the left to see today’s low rate
  • You can borrow up to $10,000 for the charging station and electrical work
  • Enjoy terms up to 60 months to keep your payments in check