Auto Loans

We’re always here to support your car buying or refinancing needs
It’s your Advantage

We’ll Help Steer You in The Right Direction

If you’re thinking about financing a new or used vehicle, you’re in the right place. We’re ready to help you from start to finish with an exceptional car-buying service and refinancing you can count on.

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Shop for a Vehicle

Find the perfect vehicle that’s within your budget and takes you where you want to go. We make the car buying experience stress-free by offering services to search and finance your vehicle with ease.

Parent loading children into a car

Buy a New Car or Truck

Financing your brand new vehicle through 1st Advantage is about as easy as driving off the lot. We’ll make sure you’re getting the best rate, terms, and monthly payment so you can buy the ride you want within your means.

Friends laughing and driving

Buy a Used Car or Truck

Ready to buy a car or truck that’s budget-friendly and fits all your lifestyle needs? Our used car loan offers great rates and flexible terms so you can secure an affordable new ride in no time.

Parent loading baby into a car

Refinance Your Auto Loan

Whether you want to pay off your auto loan sooner or reduce your monthly payment to save more, we’ll help you find options that align with your goals for the future.

Ready to Crunch Some Numbers?

Enter the amount you wish to borrow and preferred loan term to determine your estimated monthly payment and interest rate.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

Our Members Love Us…

I had the opportunity of going through the loan process for a new vehicle. The process was made smooth, clear, and concise, as well as done in a timely manner, with assistance of a very professional loan officer. The details of the process were explained to allow me to make good decisions that contributed to a happy outcome for both sides.

Kelvin A. 2009

Got Questions? We’ve Got Answers.

You can make a secure online loan payment with any debit card or bank account through our Online Banking system. You can set up a Payroll deduction or call 800-359-7650 or 757-877-2444 for Pay by Phone services. You can visit any of our 13 full-service branches or one of the 5,000 Co-Op Shared Branch locations throughout the Hampton Roads area. And finally, you can mail a check to 1st Advantage: P.O. Box 2116, Newport News, VA 23609.

My Insurance Info helps 1st Advantage verify that your collateral, such as a car, home, boat, or RV, is covered by insurance. When you take out the loan, your loan agreement requires you to maintain a certain level of insurance coverage for the life of the loan.

Click here to verify your insurance info. 

The 1st Advantage Car Buying Service helps you shop for vehicles so you can save money while finding a ride that fits your budget. On average, our members see a savings of more than $3,402 off MSRP when using the service. But that’s just an average. The price of the vehicle you buy and the availability of that type of car in your area are just a couple of factors that impact your total savings.

Yes! You can save hundreds or thousands of dollars refinancing with us.  Simply apply for a new auto loan refinance through our application portal, or visit a local branch to speak with a loan officer in person.

Yes! Our Skip A Payment* program makes it easy to find extra cash  for whatever you choose! With our convenient online form, you can request to defer one of your monthly loan payments when you need to, from wherever you are.


  • You must have made 11 consecutive months worth of payments on the loan for program eligibility.
  •  All credit union accounts must be in good standing.
  • A $30 fee will be deducted from your savings or checking account per loan, per occurrence. If the funds are unavailable, the request will be unable to process.

Click here for the Skip A Payment Application.

Click here for the Skip A Payment with Co-Borrower Application.

*Fixed term Signature, Secured, and Vehicle loans qualify for Skip A Payment program. Credit Card, Signature Lines of Credit, Mortgage, Business, Payday, and Freedom Loans are not eligible for program. Charges and other restrictions may apply. Loan must be open for at least 11 months and member must be current on loan and all credit union accounts to qualify. If you have skipped a payment on a loan in the last 9 months, that loan does not qualify for this promotion. There is a $30 application fee per loan, per occurrence. All requests to defer a payment must be approved. Interest will continue to accrue during the deferral period. This will extend the original term and increase the amount of finance charges. If there is a Co-Borrower/Guarantor on the loan, all parties must sign to be eligible for this program.

Can’t find what you’re looking for? See all our FAQs or contact us.

Apply for an Auto Loan with 1st Advantage Today

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