Introducing the
Freedom Auto Loan
Buying a car is a big commitment, but you can have peace of mind with the new Freedom Auto Loan from First Service Credit Union.
That means that if you purchase or refinance your car or truck with us, and you lose your job or experience another qualifying life-changing event, you have the power to walk away with no impact to you or your credit.89
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, deferred payments94
, and a speedy approval process, you’ll be in your new ride in no time.
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 that you can afford!
How to Apply
It’s as easy as 1, 2, 3!
Apply Online
t only takes 5 minutes to complete our easy-to-use, secure application.
Get Your Approval
Have your approval emailed to you or pick it up at a branch location.
Go to Your Dealer
Take your approval letter to the dealership and drive happy.
Auto Loan Rates
New Auto Loans (2018 and Newer)
Annual Percentage Rate11 |
Term |
Loan Amount |
Payment Example Per $1,000 Borrowed |
As low as 2.74% |
Up to 36 months |
|
$28.16 |
As low as 2.99% |
Up to 48 months |
|
$21.66 |
As low as 3.24% |
Up to 60 months |
|
$17.76 |
As low as 3.49% |
Up to 72 months |
$20,000 and up |
$15.19 |
As low as 3.74% |
Up to 84 months |
$35,000 and up |
$13.38 |
Used Auto Loans (2017 and Older)
Annual Percentage Rate11 |
Term |
Loan Amount |
Payment Example Per $1,000 Borrowed |
As low as 3.74% |
Up to 36 months |
|
$28.58 |
As low as 3.99% |
Up to 48 months |
|
$22.08 |
As low as 4.24% |
Up to 60 months |
|
$18.20 |
As low as 4.49% |
Up to 72 months |
$20,000 and up |
$15.63 |
As low as 4.74% |
Up to 84 months |
$35,000 and up |
$13.83 |
Calculate Your Vehicle Payment
Get estimated rates and monthly payments that work for you.
How much do you need to borrow?
Down Payment Amount
For How Many Months?
84 months 72 months 60 months 48 months 36 months
CALCULATE MY PAYMENT
** Calculator uses New Auto Loan floor rate to calculate monthly payments. Rates may differ depending on borrower creditworthiness and underwriting factors.
Your Estimated Monthly Payment Is $536.33 with as low as 3.29% APR11
APPLY IN MINUTES
Auto Loan Features
Flexible Terms with Low Monthly Payments
Low Rates
No Payments for Up to 90 Days*
Quick & Easy Loan Application
Personal Service
Pre-Approval Available
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