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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. 

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If you have a pre-approval, please call us at 800.290.1112.

auto buying service header
Receive a $100 gift card when you finance with us and buy a NEW or USED car through Autoland


Call Autoland at 800.234.6999
Receive 1% off when you buy a used car with Enterprise and finance with us.


Call Enterprise at 800.504.1194

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.

^The Enterprise 1% APR discount valid 06/01/17 – 09/30/17. To qualify for this offer, a pre-owned vehicle must be purchased from Enterprise and financed with an American First auto loan by 09/30/17. Best rate includes all available discounts including 0.50% for automatic payment transfers. Used vehicles were previously part of Enterprise short-term rental and/or lease fleet or purchased by Enterprise from other sources including auto auctions, with previous use possibly short-term rental, lease or other. Offer subject to change or end without notice and other restrictions apply. Vehicle subject to approval. Please speak with an Enterprise representative for complete details, or call American First at 800.290.1112. The $100 American Express Gift Card incentive offer is valid 05/22/17 - 09/30/17. To receive one $100 AMEX Gift Card, you must purchase a new or pre-owned vehicle from the Autoland auto buying service and finance the vehicle with an American First Credit Union auto loan by 09/30/17. Limit one $100 Gift Card per qualifying member. Gift card will be delivered by Autoland within 45 business days of auto loan funding. No substitution of the gift card incentive is permitted except at the sole discretion of Autoland, which reserves the right to substitute the incentive with another gift card of equal value. Promotion subject to change or end without notice. Other restrictions apply. Please speak with an Autoland representative for complete details, or call American First at 800.290.1112.

The Little Extras that Matter for Your Loan

We care about you, so we have some programs that can help you deal with the unexpected. Get member pricing with your loans. **

Mechanical Breakdown Protection (MBP)**

Comparable to extended warranty coverage from an auto dealer, but about half the cost. 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. Available for qualified autos, trucks, SUVs, boats, and RVs.

Debt Protection**

Get peace of mind 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), 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.

Protected events include:

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

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.