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Receive a 0.50% APR discount on your auto loan when you use our FREE auto buying service!

Refinance Your Auto Loan with Us (Rates as low as 3.74%​​)

Refinancing your car loan from another lender with us may help you lower your interest rate, decrease your monthly payment or pay off your car loan sooner. On average, our members save $217 per month by refinancing their auto loan with First Financial Credit Union. That’s more than $2,600 per year in savings.

*On average member savings calculation was based on loan amount, rate and term on auto loans refinanced January through March 31, 2022. Your total savings will vary based on the rate and term of the loan. Please contact us to calculate your estimated savings.

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Auto Loan Rates as low as 3.74%​​

Take advantage of our affordable auto loan rates, whether you’re seeking a new and pre-owned vehicle. Happy in your current ride? We can also help you refinance an auto loan from another lender to lower your monthly payment.
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  • Rates as low as 3.74%​​ APR1
  • Free auto-buying service that will save you money and time
  • No payment for up to 90 days2
  • And more!
 

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.

1
APR=Annual Percentage Rate. 3.74%​​ APR is for new and used auto loans up to 60 months. Payment example: 60 monthly payments of $18.30 per $1,000 borrowed at 3.74%​​ APR. In order to receive the rate, automatic payments from your First Financial checking account and 2 qualifying relationships are required. Rates subject to change based on market conditions and borrower eligibility. Other rates and terms available.
2
Loan Department approval required; decision may be affected by your credit history and other criteria. Interest still accrues.

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Same Low Rate For New and Used Vehicles

  • Competitive rates as low as 3.74%​​* for new and pre-owned vehicles
  • Same low rate for new and pre-owned vehicles
  • Payments that fit your budget
  • Member-only discounts up to 2.50% APR**
  • No payment for up to the first 90 days***
  • Summer Skips allow you to skip payments in the Summer****

Apply Today

Are You Ready to Buy Your First Car?

Our First-Time Auto Buyer Program***** is designed for the car buyer who has little to no credit. This loan comes with low rates, manageable terms and is an excellent way to establish a credit history.

  • Great loan rates
  • Repayment terms up to 60 months 
  • Loan amounts up to $20,000
  • No Co-Signer Required******
Learn more
For more information, contact an eBranch Representative, visit your nearest branch or call us at (800) 537-8491.

Have a quesiton?
Fill out the form below to get started..

"Process was easy and was completed rapidly. VERY positive experience."
Cheryl D.
Member since 2003

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*APR = Annual Percentage Rate
Please Note

The results provided by this calculator are intended for informational purposes only and do not guarantee the terms of or your eligibility for any specific product offered by First Financial Credit Union. If you have questions, call (800) 537-8491 to determine your eligibility for a specific product.

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.

1APR=Annual Percentage Rate. 3.74%​​ APR is for new and used auto loans up to 60 months. Discounts require automatic payments from your FFCU checking account and qualifying products and/or services. Payment example: 60 monthly payments of $18.30 per $1,000 borrowed at 3.74%​​ APR.
2Interest rate may not be below 3.74%​​ APR inclusive of all discounts.
3Loan Department approval required; decision may be affected by your credit history and other criteria. Interest still accrues.
4Requires application and Loan Department approval, and is not available on loans secured by real estate. 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.