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

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Same Low Rate For New and Used Vehicles

  • Competitive rates as low as 2.99%​​* 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 72 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.
"Process was easy and was completed rapidly. VERY positive experience."
Cheryl D.
Member since 2003

Please enter a numeric value into the Loan Amount field
Please enter a numeric value into the Annual Interest Rate field
Please enter a number of years into the Term of Loan field
*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.

21APR=Annual Percentage Rate. 2.99%​​ 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. Example: A $20,000 new or pre-owned auto loan at a fixed rate of 2.99%​​ APR for 60 months would require 60 monthly payments of $17.97 per $1,000 borrowed.
**Interest rate may not be below 2.99%​​ APR inclusive of all discounts.
***Loan Department approval required; decision may be affected by your credit history and other criteria. Interest still accrues.
****Requires application and Loan Department approval, and is not available on loans secured by real estate. Call for complete details.
*****First-Time Auto Buyer Program is available to qualifying members, based on approved credit and other established requirements such as a verifiable employment record.
******A qualified co-signer on the loan could help reduce the rate and reduce or eliminate the minimum cash down requirement.