Couple sitting in back of car, looking at the sunset

Auto Loan

Drive Away for as low as 3.99% APR4

Discover the joys of the open road with our competitive auto loan offerings. First Service Credit Union ensures your journey to car ownership is smooth and stress-free.

Apply Now
Rates as low as

3.99%

APR4 for 36 Months

  • First Time Buying a Car?

    We've designed a program specifically tailored for first-time auto buyers like you! No credit history or co-signer required and loan terms up to 81 months with competitive rates.
    More Info

  • New & Used Auto Loans

    Step into the driving seat with our car loans, designed for both brand-new and pre-loved vehicles. With our unbeatable rates, accommodating terms, and swift approval process, your ideal ride is within reach.
    Apply Today

  • Refinance & Rejoice

    Still tethered to a high-interest auto loan? Shift gears with First Service. Refinance today and experience the freedom of a more manageable payment plan.
    Discover Savings

Why Choose First Service for Your Auto Loan?

  • Flexible Terms

    Payments that suit your lifestyle.

  • Competitive Rates

    Designed for your savings.

  • Grace Period

    Enjoy up to 90 days with no payments.1

  • Quick Application Process

    Time-saving and simple.

  • 18 & Older Can Apply

    You don't need to wait to build credit.

  • Express Check

    Boost your buying confidence at the dealership.

Your Road to Ownership

  • Apply Online Easily

    Our streamlined, online application takes just minutes.

  • Secure Your Approval

    Opt for your approval and Express Check through quick mail or branch pick-up.

  • Choose Your Ride

    Visit the dealership, finalize your choice, and drive away with satisfaction.

Buying a Car Has Never Been Easier

Auto Loan Calculators

Ready to Hit the Road?

Stop by one of our Houston-area branches, give us a call, or quickly apply online to get started.

713-676-7777
CentralizedSales@FSCU.com
Apply Online
[1]

This is a limited time offer and subject to change at any time. Subject to credit approval. Interest will accrue during the deferment period.

[2]

This is a limited time offer and subject to change at any time. Must use promo code when applying. Must finance an auto loan amount of $10,000 or greater to qualify for the $200 cash offer. Cash-out title loans not eligible for $200 cash offer. Subject to credit approval. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions.

[3]

APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. Must use promo code ROADTRIP and apply by July 31, 2026, to receive full APR discount. The APR advertised above includes discounts for purchase of GAP, Warranty, and all payment protection products. Purchase of payment protection products is not required. APR cannot be discounted below 3.99%. Vehicles more than six model years in age or with mileage 100,000 miles or more will be subject to an additional 100 basis points on the rate. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions. The terms of repayment, will reflect the repayment obligations over the full term of the loan. For example, for a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53 (for 36 months).

[4]

APR = Annual Percentage Rate. Loans subject to credit approval. Rates may differ depending on borrower creditworthiness and underwriting factors. The APR advertised above includes discounts of up to 90 basis points with purchase of GAP, Warranty, and all payment protection products. Purchase of payment protection products is not required. APR cannot be discounted below 3.99%. Vehicles more than six model years in age or with mileage 100,000 miles or more will be subject to an additional 100 basis points on the rate. Current First Service loans are not eligible for cash offers, complimentary insurance, or other promotions. The terms of repayment, will reflect the repayment obligations over the full term of the loan. For example, for a $1,000 loan over 36 months at 3.99% APR, you will make 36 payments of $29.53 (for 36 months).