New & Used Auto Loans
Whether you’re shopping for a brand-new vehicle or a dependable used car, American First can help you finance your purchase with a loan designed to fit your budget.
- Get pre-approved so you understand your financing before you shop
- Flexible terms ranging from 36 - 84 months
- Credit Union membership is not required to apply
- No application fees
- Same great rates for new & used vehicles
- Get a 0.50% discount on your vehicle loan rate when you set up automatic payments from an AFCU account
AutoSMART
Research and shop for your next vehicle online with tools designed to simplify your car search.
SHOP ONLINE
Autoland
Let Autoland help find your vehicle, negotiate pricing, and simplify the car-buying process.
LEARN MORE
Car Affordability Calculator
Estimate how much vehicle you may be able to afford based on your budget.
CALCULATE
Refinance Your Vehicle Loan
If your current vehicle loan no longer fits your needs, refinancing with American First could be worth exploring. Whether your financial situation has changed or you’re simply looking for a better financing option, we can help you find a loan that works for where you are today.
- Potentially lower your rate and save on interest
- Reduce your monthly payment
- Choose a loan term that better fits your needs
Protect Your Vehicle Beyond the Loan
Explore additional protection options available through our partners, SWBC® and TruStage™, including Guaranteed Asset Protection (GAP), Major Mechanical Protection (MMP), Maintenance Benefit Agreement (MBA), and Extra Protection options.
EXPLORE VEHICLE PROTECTION
Loans for Other Vehicles
Not every vehicle loan is for a new car, truck, or SUV, and different types of vehicles can require different types of loans. At American First, our associates can help you find the right loan for a wide range of vehicles.
- Finance RVs, boats, motorcycles, watercraft, and more
- Competitve rates for a variey of vehicle types
- Flexible loan terms to fit your needs and budget
Vehicle Loan Rates
As of 10/02/2026
Vehicle Loan
Term Up To:
APR Range New and Used*
Auto
36 Months
48 Months
60 Months
72 Months
84 Months
6.14% - 16.94%
6.14% - 17.24%
6.14% - 19.14%
6.39% - 10.64%
6.89% - 11.14%
Motorcycle
48 Months
60 Months
72 Months
84 Months
8.65% - 18.65%
8.65% - 18.65%
8.90% - 18.90%
9.15% - 19.15%
Boats & RVs
48 Months
60 Months
84 Months
120 Months
7.99% - 12.24%
8.24% - 10.49%
8.49% - 10.74%
8.74% - 10.99%
Other Secured (Utility Vehicles Not Listed Above)
48-72 Months
8.65% - 18.65%
*All vehicle loan rates include a .50% discount for automatic payment transfer from an American First account. A one time $5 lifetime membership fee may apply. 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.
Subject to change without notice. Rates may vary based on individual's credit history and underwriting factors. Additional discounts available for 80% financing, and automatic payment from an AFCU account. Please contact us for details.
Vehicle Loan Payment Examples (do not include .50% discount for automatic payment transfer from American First account):
Auto Loan payment example: a new auto based on a 60-month term with a rate for qualified members of 6.79% APR would require payment of $691.59 for $35,000 borrowed. Other terms available. Rates vary based on individual credit. Maximum rate on a 60-month term would be 18.04% APR. USED AUTO financing up 125% Kelley Blue Book for used auto purchase or to refinance an auto loan from another lender for models seven (7) years old or newer. Loan payment example on a used auto based on a 60-month term with a rate for qualified members of 6.79% APR would require payment of $691.59 for $35,000 borrowed. Other terms available. Rates vary based on individual credit. Maximum rate on a 60-month term would be 18.04% APR. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. No down payment required. An additional rate discount of .25% is available for 80% financing on new or used autos.
Motorcycle financing available up to 100% MSRP. Payment examples are based on rates for qualified members: 48 monthly payments of $25.30 (at 9.65%) to $30.21 (at 19.15% APR) per $1,000 borrowed; 60 monthly payments of $21.16 (at 9.65% APR) to $26.22 (at 19.15% APR) per $1,000 borrowed. 72 monthly payments of $18.55 (at 9.90% APR) to $23.79 (at 19.40% APR) per $1,000 borrowed; 84 monthly payments of $16.75 (at 10.15% APR) to $22.17 (at 19.65% APR) per $1,000 borrowed.
New boat / RV financing available up to 100% MSRP. Payment examples are based on rates for qualified members: 48 monthly payments of $24.97 (at 8.99%) to $26.71 (at 12.49% APR) per $1,000 borrowed; 60 monthly payments of $20.96 (at 9.24% APR) to $21.71 (at 10.74% APR) per $1,000 borrowed. 72 monthly payments of $18.34 (at 9.49% APR) to $19.12 (at 10.99% APR) per $1,000 borrowed; 84 monthly payments of $16.54 (at 9.74% APR) to $17.33 (at 11.24% APR) per $1,000 borrowed.
Other secured financing available up to 90% MSRP. Payment examples are based on rates for qualified members: 48 monthly payments of $25.30 (at 9.65%) to $30.21 (at 19.15% APR) per $1,000 borrowed; 60 monthly payments of $21.16 (at 9.65% APR) to $26.22 (at 19.15% APR) per $1,000 borrowed. 72 monthly payments of $18.43 (at 9.65% APR) to $23.64 (at 19.15% APR) per $1,000 borrowed. Other terms are available at different rates and may vary based on individual creditworthiness.
