Rates as low as 5.24%* APR

Earn $250* cash back

No payments for 90 days

New Car Loan Features You Can Count On

A new car loan from 1st Advantage  will equip you to drive into savings no matter where, how, or when you choose to buy. We’ll always give you the first advantage, guaranteed!  Your next set of wheels may be right around the corner. Make sure to use promo code NEWAUTO.


Low monthly


Fast application


No application

New Car Loan Rates

Effective Date: 3/27/2023





Models 2021 and Newer

Up to 48 months


Up to 60 months


Up to 66 months


Up to 75 months


Up to 84 months


Up to 96 months


Estimate Your Monthly Payments


Est. Monthly Payment: $0

Our Quick and Easy Loan Application Process



Apply Online

The application takes
less than 20 minutes.



Sign Your Loan

Agree to the loan
amount, rates, and terms.



We'll Do The Rest

We'll provide a check to the seller for your new car.

Get Started


“I had a friend who wanted to sell her car. I wanted to buy it. I was not sure that I could get the money together. She suggested her credit union 1st Advantage Federal Credit Union. I didn't think that I could join but I could because I lived in the area.

1st Advantage Federal Credit Union allowed me to be a member for $5 and I was able to get my auto loan through them. They are excellent. You can do online billing, check your account and many great services without any of the disadvantages of banking. To put it simply they answer to the stock holder who is you!” - Alexander N.

New Car Loan FAQ

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.

New Car Loan Resources

Protect your assets with additional coverages that put your needs first.

*Receive $250 cash when you finance a new auto loan (2021 or newer) directly with 1st Advantage. Financing must be done online at 1stadvantage.org, 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.