Today's Rates - Vehicle Loan

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We love when our members get the cars they really want. And we do everything in our power to make it happen. Owning a boat, RV or motorcycle is more affordable than ever. Fast approval. Personalized service. And if you like the vehicle you have but your payments to another lender are just too high, you may be able to reduce them by refinancing with American First Credit Union. Great, right? See rates below:

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Vehicle Loan Rates      Effective as of 11/25/2019

Vehicle Loans
Term up to
APR Range New/Used*


36 months 2.84% - 12.59%
    48 months 2.94% - 13.64%
    60 months 3.19% - 15.39%
    72 months 3.29% - 6.79%
    84 months 3.29% - 6.79%


48 months 7.40% - 16.90%
    60 months 7.40% - 16.90%
    72 months 7.65% - 17.15%
    84 months 7.90% - 17.40%
Boats & RVs 48 months 6.74% - 10.49%
    60 months 6.99% - 8.74%
    84 months 7.24% - 8.99%
    120 months 7.49% - 9.24% 
Other Secured 48-72 months 7.40% - 16.90%

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*All auto loan rates include a .50% discount for automatic payment transfer from an American First account. Some restrictions apply. A New Auto is a current year model with less than 7,500 miles, financing of up to 125% of MSRP. A Used Auto is a model 7 years old or newer, financing up to 125% Kelley Blue Book. Auto Loan subject to credit approval. Not all members will qualify. Current American First loans are not eligible for refinancing. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Rates & terms not applicable to previously funded American First Credit Union loans. No down payment required. An additional discount of .25% is available for 80% financing. Subject to change without notice. Rates may vary based on individual's credit history and underwriting factors.

Other secured rate is for 90% financing. All other rates are for 125% financing. Additional discounts available for 80% financing, and automatic payment from an AFCU account. Please contact us for details.