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Auto Loans

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

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.



  • Low rates on new and used cars – currently as low as 2.30% APR*
  • Easy terms up to 96 months
  • Up to 100% or more financing on new and used cars
  • Preapprovals for added negotiating power—know up front what you can afford and save your time.
  • Free Auto-Buying Services with Autoland



  • Lower your monthly payment
  • Shorten your term
  • Get cash out of your loan
  • Take ownership of a lease

New and Used Vehicle Rates

NEW Auto (<5,001 miles)
USED Auto (>5,000 miles)
2018 to 201249-602.89%
OLDER Auto (<140,000 miles)
2011 to 200812-365.30%
2020 to 201012-847.39%
2020 to 201012-486.89%
Auto Loan Payment Estimates and Disclosure
*APR=Annual Percentage Rate. Auto loan payment estimates on a $45,000, 84-month loan with a 4.50% APR = $626; on a $15,000, 36-month loan with a 2.89% APR = $436.
Other terms available up to 96 months. 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. eGreen and Advantage Checking Account loan rate discounts do not apply with these promotional rates. Minimum $10,000 loan required on terms longer than 60 months. Certain model year restrictions may apply, please contact First City for clarification. Rate increase of .25% for vehicle mileage of 100,000 or more. 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.

Autoland Online – Search for your new car!

Shopping for a new car – Autoland Auto Buying Service

First City’s FREE auto buying service makes car buying easy. Just tell your AUTOLAND Advisor the car you want (including model, make, color and options) and they’ll do the rest for you:

  • Locate your new or used car
  • Negotiate preferred pricing
  • Secure manufacturers incentives
  • Accept your trade-in
  • Deliver your car to you at home or at a First city location

It’s that easy! Great prices, no hassles and no haggling.

Will Your Insurance Cover Your Auto Loan in the Event of a Total Loss or Theft?

Probably not. Even the best auto insurance may not cover the entire amount you owe on an auto loan. In fact, if the average new car owner has their vehicle stolen or damaged beyond repair, they could still owe thousands of dollars after the insurance settlement.
GAP Advantage could pay up to the remaining balance of your auto loan after an insurance payout and give you additional funds to finance your next vehicle with us.

GAP Advantage makes up the difference between what your insurance policy covers and the amount you still owe—in most cases. So, instead of paying off a substantial loan balance for a vehicle you can no longer drive, you could be free and clear of your car note and have funds to put toward a down payment on a new car.  With this valuable product, you can rest easy knowing that your auto loan won’t be a burden if an unexpected accident or theft occurs.

To learn more, call your loan officer or service representative today!

With MMP, You Can Get the Most Out of Your Mileage!

As time goes on, the likelihood of mechanical failure on your vehicle is inevitable. Advanced electronics, complex systems, and rising labor costs mean that a repair that might have cost hundreds of dollars a few years ago may now cost you thousands.

With Major Mechanical Protection (MMP) from First City, you could protect yourself against the expense of future costly repairs. The total cost of MMP is often far less than the cost of a single repair! Pay for this protection once, and in most cases you will not have to pay anything more than a small deductible should a breakdown occur.

As well, here are some features and benefits that you may find are not available on a similar product offered by a dealer, such as:

  •     Insurance Deductible Reimbursement
  •     Available Towing/Road Service
  •     Rental Vehicle Reimbursement
  •     Tire Protection up to $500
  •     Electronics Package Coverage

To learn more about MMP, call your loan officer or service representative today!

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.