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Auto Loans

Where can you shop for your next car, truck or SUV and also get great service when you apply for an auto loan? Right here, at the intersection of convenience and savings.

A smooth journey to your next ride awaits

We go the extra mile for members, from first-time drivers to seasoned road warriors. Start out by getting approved for a loan that comes fully equipped with affordable rates and flexible terms. Next, connect with our PALM auto-buying service, where we'll help you get a great deal on your next new or pre-owned vehicle.
  • As low as 5.09% APR1 on new and pre-owned cars, pickups, SUVs, and vans
  • Free, in-house Auto Buying Service
  • No payment for up to the first 90 days2
  • Payment skips in July and August3
  • Receive a 0.50% APR discount when you refinance your auto loan4
First-Time Auto Buyer Program5
  • Loan amounts up to $35,000
  • Repayment terms up to 60 months
  • No co-signer required6
Have a question? Contact us to get started.
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Disclaimers
All loans are subject to credit approval and all First Financial Credit Union (FFCU) policies and procedures. Loan rates are based on credit history, collateral criteria and term of loan. Other terms and conditions subject to change without notice. Restrictions apply.
 
APR=Annual Percentage Rate. 
 
15.09% APR is for new and used auto loans up to 60 months. Payment example: 60 monthly payments of $18.92 per $1,000 borrowed at 5.09% APR. In order to receive the rate, automatic payments from your FFCU account and 2 qualifying relationships are required. Rates subject to change based on market conditions and borrower eligibility. Other rates and terms available.
2Subject to qualifying credit criteria.
3Requires application and Loan Department approval, and is not available on loans secured by real estate. Call for complete details.
4Subject to credit approval; actual rate may vary. Existing FFCU auto loans not eligible for refinancing. Cannot be combined with Join Our Ohana membership referral discount. Interest rate will not fall below floor rate of 5.09% APR inclusive of all discounts. Repayment terms up to 84 months. Offer ends 9/30/26. Call for complete details.
5First-Time Auto Buyer Program is available to qualifying members, based on approved credit and other established requirements such as a verifiable employment record.
6A qualified co-signer on the loan could help reduce the rate and reduce or eliminate the minimum cash down requirement.