Your next vehicle, financed by people who get it.
Your vehicle gets you to the station, home to your family and everywhere in between. Whether you’re buying new, going pre-owned or refinancing what you already have, Firefighters First Credit Union makes it straightforward. We offer the same low rates on new and used vehicles, up to 120%* financing based on approved credit and a team that understands the demands of a firefighter’s schedule.
Why finance with Firefighters First Credit Union?
We’re not a big bank. We’re a Credit Union built exclusively for the Fire Family. That means every product we offer, including our auto loans, is designed with your financial well-being in mind.
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Get pre-approved before you shop -
Same rate for new and used
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Up to 120%* financing available -
Refinance and lower your payment
Competitive auto loan rates designed to fit your drive.
Explore competitive auto loan rates across a range of terms, giving you the flexibility to balance monthly payments and payoff timelines. Whether you are financing new or used, you can structure your loan in a way that fits how you drive, budget and plan ahead.
| Annual Percentage Rate (APR) as low as | Term (up to) |
|---|---|
| 4.24% | 24 Months |
| 4.24% | 36 Months |
| 4.49% | 48 Months |
| 4.49% | 60 Months |
| 4.99% | 72 Months |
| 5.49% | 84 Months |
Start your auto loan application.
Tell us a bit about your auto and what you’re looking for and our team will guide you through your financing options. It only takes a few minutes to get started and we’ll follow up to help you take the next step with confidence.
Everything you need to know about auto financing.
What types of vehicles does Firefighters First Credit Union finance?
We finance new and used cars, trucks, SUVs and vans. If you’re unsure whether your vehicle qualifies, contact us and we’ll let you know.
Can I finance more than the purchase price of my vehicle?
Based on credit criteria and the vehicle, Firefighters First Credit Union finances up to 120%* of the vehicle’s value, which can cover taxes, fees and accessories. For motorcycles, up to 115%* is available. Financing amounts for RVs, boats, ATVs and watercraft vary based on the collateral and loan amount. Contact us for specifics.
What’s the difference between getting a loan from Firefighters First Credit Union versus a dealer?
Dealership financing is often arranged through third-party lenders who may not offer the most competitive rates. When you finance through Firefighters First Credit Union, you’re borrowing directly from a credit union built exclusively for the Fire Family. That means your rate is not marked up to benefit a middleman. This may also help lower the cost of additional products like GAP. It’s worth getting pre-approved with us before you visit a dealership so you know exactly what you qualify for.
How do I know what rate I’ll receive?
Your rate is determined by several factors including your credit score, loan term and loan amount. The rate shown on this page is the lowest available rate. The best way to find out your actual rate is to apply. Contact us if you have questions before applying.
Can I refinance my current auto loan?
Yes. If you currently have an auto loan with another lender and you’re paying a higher rate, we may be able to refinance it at a better rate. Contact us or stop by a branch to explore your options.
Do I need to be a member to apply?
You need to be a member to receive a loan from Firefighters First Credit Union. If you’re not yet a member, you can join and apply at the same time. Membership is open to firefighters and their families. Visit our Become a Member page to get started.
How long does the application process take?
The inquiry form on this page takes just a few minutes to complete. Once submitted, a member of our team will follow up with you to walk through the next steps. Decisions are typically made quickly, though the exact timeline can vary based on the complexity of your application.
APR = Annual Percentage Rate.
* Rates, terms, and conditions are subject to change. Subject to credit approval and collateral requirements.
1. Firefighter Insurance Services (#0G87848) is not insured by NCUA.
2. Must be a Firefighters First Credit Union member, a Costco member, locate a participating dealer through Costco Auto Program and meet with the Authorized Dealer Contact to be eligible. Firefighters First Credit Union loan funding required as well as completion of a Costco Auto Program Member Satisfaction Survey within 30 days of purchase. Current eligible Costco members receive a $65 Costco Shop Card. No substitutions. Not redeemable for cash. Incentive will be paid by Costco to members two months after vehicle purchase. Costco is fully responsible for distributing all shop cards. Costco and its affiliates do not sell automobiles or negotiate individual transactions. All new cars arranged for sale are subject to availability and a price prearranged with the participating franchised new car dealer. Certain vehicles may be excluded from the program. A participation fee has been paid by the dealers participating in Costco Auto Program. New Firefighters First Credit Union accounts opened are subject to our normal approval process. Programs subject to change. The Credit Union does not lend in a Non Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact a Loan Officer for limitations purchases outside of your home state. Taxes are based on selling price for new and used vehicles.
APR requires full direct deposit. To qualify for the (0.50%) direct deposit discount, a minimum of $1,000 per month in direct deposits for two (2) consecutive months is required. If direct deposit is canceled, the promotional rate discount may be removed. Some restrictions apply. Offer valid to qualifying members only. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to the Credit Union policies and procedures. Rates are subject to change without prior notice. For current rate information, visit the Rates page.
Representative Example: A $25,000 auto loan financed at 4.74% APR for 60 months would result in 60 payments of $468.81.
The Credit Union does not lend in a Non-Titling State on collateral loans in which a state does not issue or guarantee a title. Please contact us for out of state purchase requests as some restrictions apply. Loans currently financed with Firefighters First Credit Union are not eligible for this offer.