New or Used Auto Loans

    Don’t be fooled by high-interest dealership loans. First Service Credit Union can 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


Get pre-approved for an auto loan. Apply online today. It only takes five minutes to complete our easy-to-use, secure application.

Step Two


Choose to have your approval and blank check mailed (we can overnight it to you) or pick it up at a branch location.

Step Three


Head to the dealership with your Express Check and select the vehicle you want. Agree on a price with the dealer, fill out the check, and drive away happy.

Auto Loan Rates

Annual Percentage Rate11 Term Loan Amount Payment Example Per $1,000 Borrowed
As low as 6.14% Up to 36 months $30.49 per month per $1,000
As low as 6.14% Up to 48 months $23.56 per month per $1,000
As low as 6.14% Up to 60 months $19.40 per month per $1,000
As low as 6.14% Up to 72 months $20,000 and up $16.65 per month per $1,000
As low as 6.34% Up to 84 months $35,000 and up $14.78 per month per $1,000

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

    Express Check Available

Get Pre-Approved

Buying a new car is a rewarding experience. But going to the dealership to start the search and purchase process can be overwhelming. First Service has made the process a bit easier by offering Express Check for vehicle loans. This gives you buying freedom at the dealership.

Get pre-approved for a loan with us and you can shop feeling secure that you’re armed with guaranteed purchasing power. We’ll provide you with a check that you can use just like cash to negotiate the price of the vehicle at the dealership.      

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