New Car Loans

Top down, open road, no worries
It’s your Advantage

We Make Buying Your Brand New Car Easy

That new car smell is right around the corner, and we’ll always give you the first advantage, which means low monthly payments, a five-star application process, and no application fees.

Cruise Through the Loan Application Process

All you have to do is find a vehicle that fits your budget and plans for the future. We’ll take care of the rest.

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Apply Online

Apply from a computer or your phone. It’s simple and hassle free.

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Sign Your Loan

Agree to the loan amount, rate, and term that fits your budget and steers you in the right direction.

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We’ll Do The Rest

We’ll provide the funds to the seller for your new car, and you’ll be driving off the lot in no time.

Great Rates to Empower Your Purchase

Our competitive rates and affordable terms help take all the stress out of your purchase.

New Auto Loans (Models 2021 and Newer)



*APR = Annual Percentage Rate. Current APR as of 4/1/2024. Other terms available. Minimum financed amount required. Minimum monthly payment required. Rate based on creditworthiness and term of loan. Rates are subject to change at any time and are not guaranteed. Listed Auto Loan rates include .25% discount with autopay set up & .25% discount on B+ and higher credit scores with 80% LTV. Regardless of available discounts, 6.49% is the minimum APR offered. Mileage and the condition of the collateral will be considered. Certain restrictions apply.


Up to 48 months




Up to 60 months




Up to 66 months




Up to 75 months




Up to 84 months




Up to 96 months



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.

Choose 1st Advantage for Your New Car Loan

Financing your brand new car with us has its perks.

Get more bang for your buck.

With rates as low as 6.49% APR, you can finance the car of your dreams while paying less every month.

Earn up to $250* cash back.

Reimagine the car buying process and receive $250* cash when you finance a new auto loan over $25,000 through 1st Advantage. Use code NEWAUTO.

Take advantage of an easy application process.

You can start the process by calling a 1st Advantage call center or by visiting a branch location. Or you can apply online from a desktop or mobile device.

Get coverage on your auto loan.

Explore your options for GAP Coverage, Warranty Protection, and even Debt Cancellation. Our Auto Protection Programs provide you peace of mind when the unexpected happens.

Get Answers to Your Questions

1st Advantage offers new car loans with no prepayment penalties or application fees. Pay off your loan any time it’s convenient for you.

If you are still looking for the right vehicle, the 1st Advantage Car Buying Service may be able to help. Shop for approved vehicles in your area to find a ride that meets your target price.

Yes! 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.

Request More Information About New Car Loans

Learn more about what it takes to finance a brand new vehicle. Fill out the form below for more information.

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What Our Members Are Saying

Just purchased a truck and the help I received was A+. The Kiln Creek Branch went above and beyond to help me. They answered all my questions, took care of the paperwork, and approved my loan quickly.  The process could not have been any easier! I will definitely recommend my family and friends to 1st Advantage for all their car-buying needs (and more)! Thank you 1st Advantage!

Alexander N.

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*Receive $250 cash when you finance a new auto loan (2021 or newer) directly with 1st Advantage. Financing must be done online at, through the 1st Advantage call center or at a 1st Advantage branch. Loans financed with 1st Advantage through a dealership are not applicable. Minimum loan amount must be over $25,000 to qualify for this offer. Only one incentive paid per loan and funds will be credited to the primary applicant’s savings account between 60-90 days of loan funding date.

All loan and deposit accounts must be in good standing to receive incentive. Existing 1st Advantage loans are not eligible for this offer. No payments for 90 days on approved and funded loans, restrictions apply. Offer available for a limited time.