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Vehicle Loans

Simplify the Car Buying Process

We love when our Members get the cars they really want. And we do everything in our power to make it happen.

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?

Vehicle Loan Rates        Effective as of 2/1/17

Vehicle Loans
Term up to

Auto (New & Used)

36 months 1.49% - 10.74%
    48 months 1.99% - 12.44%
    60 months 1.99% - 14.19%
    72 months 2.24% - 6.59%
    84 months 2.99% - 7.04%

Motorcycle (New & Used)

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 (New) 48 months 6.74% - 10.24%
    60 months 6.99% - 8.49%
    84 months   7.24% - 8.74%
    120 months   7.49% - 8.99% 
Boats & RVs (Used) 48 months  6.99% - 10.49%
    60 months  7.24% - 8.74%
    84 months    7.49% - 8.99% 
    120 months  7.74% - 9.24% 
Other Secured  48-72 months 7.40% - 16.90%

*Limited term financing. Certain credit restrictions apply. Rate shown includes 0.50% discount for automatic payments from an AFCU account. Rate does not apply to refinance of an existing AFCU auto loan. Please contact Credit Union for a complete list of available rates.
**Your purchase of AFCU Debt Protection, Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) are optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your Loan Representative or refer to the Member Agreement for a full explanation of the terms of AFCU Debt Protection.

The Little Extras that Matter for Your Loan

The thing about life is…you never really know what’s going to happen. We care about you, so we have some programs that can help you deal with the unexpected:

Mechanical Breakdown Protection (MBP)

Comparable to extended warranty coverage from an auto dealer, but about half the cost. If available for new and qualified used autos, trucks, and SUVs.

Guaranteed Asset Protection (GAP)

Pays the difference between what you owe on your vehicle and what your insurance will pay if it is totaled or stolen. You can even receive $1,000 toward the cost of a replacement of a vehicle if financed by AFCU. This is available for qualified autos, trucks, SUVs, boats, and RVs.

Debt Protection

Whether you're taking out a loan to make home improvements or buy a vehicle, it can be a financial gamble because things happen... life happens.

Help play it safe with AFCU Debt Protection.** AFCU Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or Foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), AFCU Debt Protection will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary Unemployment

Call 800.290.1112 and ask about protecting your loans today.

Vehicle Loan Tools and Planning Calculators

Vehicle Loan Types

Need Help With Your Vehicle Loan?

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A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.