Introducing the
Freedom Auto Loan™


Buying a car is a big commitment, but you can have peace of mind with the new Freedom Auto Loan™ from First Service Credit Union.

That means that if you purchase or refinance your car or truck with us, and you lose your job or experience another qualifying life-changing event, you have the power to walk away with no impact to you or your credit.89

    New or Used Auto Loans

    Don’t be fooled by high-interest dealership loans. First Service Credit Union can you save you big with our New and Used Car Loans. With competitive rates, flexible terms, deferred payments94 , and a speedy approval process, you’ll be in your new ride in no time.

    Refinance Your Auto Loan

    Get out of that high-interest-rate loan and save money — refinance your auto loan with First Service. Our speedy loan process will keep you in your vehicle at a payment that you can afford!

How to Apply

It’s as easy as 1, 2, 3!

Step One

Apply Online

It only takes 5 minutes to complete our easy-to-use, secure application.

Step Two

Get Your Approval

Have your approval emailed to you or pick it up at a branch location.

Step Three

Go to Your Dealer

Take your approval letter to the dealership and drive happy.

Auto Loan Rates

New Auto Loans (2019 and Newer)

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 2.74% Up to 36 months $28.16
As low as 2.99% Up to 48 months $21.66
As low as 3.24% Up to 60 months $17.76
As low as 3.49% Up to 72 months $20,000 and up $15.19
As low as 3.74% Up to 84 months $35,000 and up $13.38

Used Auto Loans (2018 and Older)

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 3.74% Up to 36 months $28.58
As low as 3.99% Up to 48 months $22.08
As low as 4.24% Up to 60 months $18.20
As low as 4.49% Up to 72 months $20,000 and up $15.63
As low as 4.74% Up to 84 months $35,000 and up $13.83

Calculate Your Vehicle Payment

Get estimated rates and monthly payments that work for you.

How Much Do You Need to Borrow?

Down Payment Amount

For How Many Months?


** Calculator uses New Auto Loan floor rate to calculate monthly payments. Rates may differ depending on borrower creditworthiness and underwriting factors.

Your Estimated Monthly Payment Is $536.33 with as low as 3.29% APR11


Auto Loan Features

    Flexible Terms with Low Monthly Payments

    Low Rates

    No Payments for Up to 90 Days*

    Quick & Easy Loan Application

    Personal Service

    Pre-Approval Available

Protect Your New Ride

Ask your loan officer how to add MBP and GAP coverage.

    Mechanical Breakdown Protection

    Enjoy the peace of mind that comes with Mechanical Breakdown Protection (MBP) from First Service.14 MBP will cover repairs on your vehicle even after the manufacturer’s warranty has expired. Plus, you’ll get flexibility to take your car to any repair shop you choose — not just the dealership.

    Guaranteed Asset Protection

    Stay covered even if your current insurance does not pay for your entire loss in the case of an accident or theft. First Service’s Guaranteed Asset Protection (GAP) will pay off the rest of your loan if the cash value of your vehicle is less than your remaining balance, so you don’t get stuck paying the difference.14