Get moving. Save big.

Whether you're purchasing a car for the first time or the thousandth time, we are here to help. Our competitive rates, refinancing, and loan protection help you get the most out of your money. With First Service involved, instead of worrying about your loan, you can enjoy perks of a new vehicle.

Purchase a New or Used Auto

Don’t be fooled by high-interest dealership loans. First Service Credit Union can you save you big with our New and Used Car Loans. With competitive rates, flexible terms, and a speedy approval process, you’ll be in your new ride in no time.

Before you sign, apply for a First Service Auto Loan online or at your nearest branch first.

APPLY for a new or used car loan NOW

Refinance an Auto

Get out of that high-interest-rate loan and save money — refinance your auto loan with First Service. Our speedy loan process will keep you in your vehicle at a payment you can afford, for fast savings.

Apply online, for a quick approval process, or at your nearest branch.

APPLY for a loan to refinance your car NOW

Auto Loan Features

    Low Payments

    Low Rates

    Flexible Terms

    Quick & Easy Loan Application

    Personal Service

    Pre-Approval Available

Auto Loan Rates

New Auto Loans (2016 and Newer)

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 2.99% 36 months $29.08
As low as 2.99% 48 months $22.14
As low as 2.99% 60 months $17.97
As low as 2.99% 72 months $20,000 and up $15.20
As low as 3.19% 84 months $35,000 and up $13.30

Used Auto Loans (2015 and Older)

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.19% 36 months $29.17
As low as 3.44% 48 months $22.33
As low as 3.69% 60 months $18.28
As low as 3.94% 72 months $20,000 and up $15.62
As low as 4.19% 84 months $35,000 and up $13.76

How to Apply

It’s as easy as 1, 2, 3!

Step One

Apply Online

It only takes 5 minutes to complete our easy-to-use, secure application.

Step Two

Get Your Approval

Have your approval emailed to you or pick it up at a branch location.

Step Three

Go to Your Dealer

Take your approval letter to the dealership and drive happy.

Protect Your New Ride

Ask your loan officer how to add MBP and GAP coverage.

    Mechanical Breakdown Protection

    Enjoy the peace of mind that comes with Mechanical Breakdown Protection (MBP) from First Service.14 MBP will cover repairs on your vehicle even after the manufacturer’s warranty has expired. Plus, you’ll get flexibility to take your car to any repair shop you choose — not just the dealership.

    Guaranteed Asset Protection

    Stay covered even if your current insurance does not pay for your entire loss in the case of an accident or theft. First Service’s Guaranteed Asset Protection (GAP) will pay off the rest of your loan if the cash value of your vehicle is less than your remaining balance, so you don’t get stuck paying the difference.14

How much will my loan payments be?