As Low as 4.99% APR*
Borrow up to $115,000
Up to 125% Financing on New & Used Cars
Lower Monthly Payment with Refinance
Auto Loans That Move You Forward
Buy new. Buy used. Refinance—and save.
Whether you’re buying your next car, refinancing your current loan, or upgrading to something new, our Auto Loans are designed to get you on the road with confidence. We offer great rates, flexible terms, and a smooth application process - maybe even getting Pre-Qualified without a credit check!
Why finance your auto loan with First City?
Great low rates and flexible terms
We offer low, auto loan rates with terms designed to fit your budget - whether you’re buying new, used, or refinancing an existing loan. With financing up 125% of your car's value, we can help with taxes, registration, loan protection, and other fees.
New, used, and refinance options
Finance or refinance cars, trucks, and SUVs with one loan that works for you. Refinancing may help lower your monthly payment or reduce the interest you pay over time.
Pre‑approval gives you buying power
Get pre‑approved before you shop and negotiate like a cash buyer - online, at the dealership, or right here at First City with our Car Buying Services.
Fast, convenient application
Apply online, in a branch, or with help from our team. You’ll get clear next steps and support from start to finish.
Local service you can trust
As a credit union rooted in Los Angeles County, we’re here to help Angelenos make smart financial decisions - not just close a loan.
Buying at a dealership? We’ve got you covered.
First City auto financing is available at many participating dealerships, so you can choose your vehicle and finance it with First City - often in one stop. Just let the dealer know you want to finance through your credit union!
Already have an auto loan?
Refinancing with First City could help you lower your rate or monthly payment. It’s a simple way to save - without changing your car.
Ready to get started?
Apply for an auto loan today and see how easy it is to finance your next vehicle with First City!
Pro Tip: Use our payment calculator to estimate your monthly payment before you apply.
|
Term
|
New Auto Rate APR* as low as
|
New Auto Payment per $1000
|
Used Auto Rate APR* as low as
|
Used Auto Payment per $1000
|
|---|---|---|---|---|
| 36 months | 4.99% | $29.27 | 5.24% | $30.08 |
| 48 months | 5.24% | $23.14 | 5.49% | $23.25 |
| 60 months | 5.49% | $19.10 | 5.74% | $19.21 |
| 72 months | 5.74% | $16.45 | 5.99% | $16.57 |
| 84 months | 6.24% | $14.72 | 6.49% | $14.84 |
| 96 months | 6.74% | $13.50 | N/A | N/A |
*APR= Annual Percentage Rate and is subject to change without notice and is based on your overall creditworthiness. All loans are subject to credit approval. Minimum $10,000 loan required on terms longer than 60 months. The minimum payment amount is $50.00. Maximum repayment term dependent on loan amount. 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 best qualified borrowers on New Vehicles only with a minimum amount of $40,000. New Vehicles = less than 5,000 miles. Certain model year restrictions may apply, please contact First City for clarification. Other conditions may apply. The lowest possible rate is shown, your rate may vary.
Pre-qualify in minutes.
Better rates, better terms
It might be a good time to refinance. Our free refinancing tool will let you see personalized, flexible options that may means saving more of your money.
- Better rates
- Shorter terms
- Lower monthly payment
- View personalized options
Did you know that one in three vehicles experience a mechanical failure in a given year? Should your vehicle experience a failure after the manufacturer’s warranty expires, without Mechanical Breakdown Protection ("MBP"), you will have no protection from the unexpected repair costs that can cost thousands of dollars.
If you're an LA County employee, payroll deduction makes it even easier to make your loan payments. You may be able to make smaller payments twice a month, rather than one large payment – which helps to smooth-out your monthly cash flow.
*APR = Annual Percentage Rate. Rate referenced is for a 36-month term.
First City Credit Union - a Newsweek recognized America's Best Credit Unions for three years running and nation leading 5-star financial institution, has been supporting Los Angeles County Employees, Departments, and Agencies as Angelenos serving Angelenos since 1937 with convenient locations throughout LA County.
