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Auto Loans

All roads lead to Service 1st for new and pre-owned auto loans.

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Auto Loan Features


  • Convenient on-the-spot dealer financing available at more than 100 area dealers
  • New autos financed up to 84 months
  • Terms for pre-owned autos vary depending on model year
  • Rate fixed for term of loan
  • No prepayment penalties
  • Direct deposit and payroll deduction for easy repayment

Vehicle Loan Rates

*The APR is current as of 4/1/2026. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Call us at 800.562.6049 for current rates, terms and conditions.
Product APR*
auto refinance (rates as low as) 4.69%
new autos (rates as low as) 4.69%
used autos (rates as low as) 4.69%
motorcycles, boats, RVs, etc. (rates as low as) 6.69%

Click here for more vehicle loan calculators

Click here for information on insurance verification.

on-the-spot dealer financing

On-the-spot dealer loans allow you to get your Service 1st loan right from the dealership where you are purchasing your new or used vehicle. No more finding the right vehicle and asking the dealer to hold it while you travel to the credit union to get approval for the loan. The dealer can submit your loan information and have a decision back in minutes. When approved, you can leave the dealership with your vehicle and your loan the same day.

Service 1st is affiliated with more than 100 dealers throughout the area. Simply tell these dealers you want to finance your vehicle with Service 1st, and they'll take care of the rest.

Our Dealer Partners

Find trusted automotive dealers in your area