Shop for a Car
Get the car you want with financing that keeps the process simple.
Make Your Next Car Purchase Easier
Whether you’re buying a new or used vehicle, First U.S. offers financing designed to help you shop with confidence. Get pre-approved before you buy, choose from flexible loan terms, and take advantage of available discounts when eligible.
Fast Online Application
Apply online for pre-approval before you shop.
Terms That Work for You
Choose from competitive rates and terms up to 84 months.
Payment Flexibility
No payments for 90 days on your auto loan.
Shop Your Way
Start with pre-approval, then choose the car-buying path that works best for you. First U.S. offers several ways to shop, save, and use your financing.
Autoland
Take some of the work out of finding your next vehicle with help from Autoland’s buying service.
- Browse available vehicles through Autoland
- Consultants can help locate your vehicle
- Autoland can identify available dealer incentives
Enterprise Car Sales
Shop Enterprise inventory and take advantage of a First U.S. rate discount on eligible purchases.
- Receive a 0.50% APR discount on eligible purchases
- 7-day buyback guarantee
- ASE-certified inspections
Finance at the Dealership
Already have a dealer in mind? You may be able to use First U.S. financing at a participating dealership.
- Get pre-approved before you shop
- Use First U.S. financing through Credit Union Direct Lending
- Tell the participating dealer you want First U.S. financing
Current Auto Loan Rates
Review current First U.S. vehicle loan rates and available terms before you apply.
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Term |
APR* as low as |
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Applies to vehicles with 100,000 or fewer miles. *Annual Percentage Rates (APRs), terms, offers effective November 12, 2026 and subject to change. Finance up to 90% MSRP for new or 90% retail Kelly Blue Book for used. 0.50% APR discount for 80% all-in LTV or less. $500 down required. Your actual rate may vary and will be based on credit rating, the amount financed and the loan term. Maximum loan amount: $30,000 for terms up to 72 months. New auto payment example: 48 payments of $23.49 per $1,000 borrowed. Restrictions may apply for vehicle loans. |
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Term 60 months |
APR* as low as 10.34% |
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Term 66 months |
APR* as low as 10.54% |
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Term 72 months |
APR* as low as 10.59% |
Estimate your loan payment.
Use a calculator to see how factors such as loan amount, term, and interest rate can affect your estimated monthly payment.
Get Started in Three Simple Steps
Get Pre-Approved
Apply online for pre-approval before you start shopping.
Choose Your Vehicle
Choose your vehicle on your own, use Autoland, browse Enterprise Car Sales, or work with a participating dealer.
Finalize Your Loan
Complete your vehicle purchase and First U.S. financing.