Auto Loans

When it’s time to buy, finance or refinance, First City is your one-stop auto resource!

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First City has emerged as a leader in credit union auto financing. Apply for a car loan at First City and enjoy market leading rates, easy terms and convenient application processing.  Join First City if you live, work, worship, or go to school in the Los Angeles County, California area.

Auto Loan Terms and Rates 

Term	New Auto Rate APR* (As Low As)	Payment p/$1000	Used Auto Rate APR (As Low As)	Payment p/$1000
36 months	5.49%	$30.19	5.49%	$30.19
48 months	5.74%	$23.37	5.74%	$23.37
60 months	5.99%	$19.33	5.99%	$19.33
72 months	6.24%	$16.69	6.24%	$16.69
84 months	6.74%	$14.97	6.74%	$14.97
96 months	7.24%	$13.74	N/A	N/A

Effective Date: February 1, 2025

Auto Loan Payment Estimates and Disclosure
*APR=Annual Percentage Rate. 0.50% Rate Discount available for loan-to-value of less than or equal to 80%. Rate increase of 0.50% for vehicle mileage of 140,000 or more. 96 month rate exclusive to tiers 1, 2, and 3, available on new autos or most recent model years, less than 5000 miles, $40,000 minimum. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Refinance offer not available on existing First City loans. Cannot be combined with other promotional offers. Rates and programs subject to change. Other conditions may apply. Lowest possible rate is shown, your rate may vary. Credit approval is required.

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Flex Auto Program

Flexible auto loans designed to get you on the road faster.

Drive Your Dream Car with the Flex Auto Program
Get flexible terms, personalized loan options, and support tailored to your credit needs. Whether you’re rebuilding credit or looking for competitive rates, we make financing simple and stress-free.

• Flexible Terms: Loan options that fit your budget.
• Build Credit: Strengthen your financial future with on-time payments.
• Tailored Solutions: Customized auto loans for your unique situation.

Ready to get started? Contact us for more information.

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More resources for you! Learn about our Auto Buying Services, Lease Buyout Center, and Auto Protection Plans.

Auto Buying Services

Choose our Concierge or Online buying services to help you buy your next new or used vehicle.

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First City Makes Lease Buyouts Easy!

Avoid major hassle and let us do the hard work for you,

Start the process by clicking here now

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Auto Protection Plans

GAP – Guaranteed Asset Protection insurance will cover your Auto Loan in the event of a total loss or theft

MMP – Major Mechanical Protection can protect yourself against the expense of future costly repairs. 

To learn more, click here or call your loan officer today!

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Easy Application Apply for your First City consumer loan 24 hours a day Click on the ‘Apply for a Loan’ button on this page or call (800) 944-2200, ext. 5. Qualified members are approved in minutes. You can also apply at any First City branch during business hours. Payroll Deduction makes it even easier to make your loan payments. It’s convenient and safe. And you may be able to make to small payments twice a month, rather than one large payment – which helps to smooth-out your monthly cash flow.