It's time to get a better deal on a car loan. Whether you're purchasing a vehicle or refinancing a loan, we make the process easy with a simple application and a quick closing. After all, you'd rather be out there enjoying your car and the money you've saved. Affordable extended warranties and guaranteed asset protection (GAP) are also available

Finance your new Auto Loan with 1st Advantage

Take advantage of loan terms that make car buying fast and convenient. You can save hundreds, even thousands of dollars over the life of your auto loan by refinancing with 1st Advantage. Terms and conditions apply.

Vehicle Loan Features

Low monthly

Competitive low

No payment for
90 days^^

No application fee or
prepayment penalty

Fast application

Loan coverage and
warranty programs


Loan rates just for you

When it comes to rates on credit union auto loans, you can make your goals a reality with the affordable options delivered by 1st Advantage.

We set our rates with our members in mind. Our loans are designed to empower you to get just the right financing at the best rate possible. 

1st Advantage offers members loans for new and used vehicles, motorcycles, RVs^, and boats. We offer terms up to 84 months, and even as high as 96 months. 

Rates as low as 3.74%* APR for auto loan refinancing.

Rates as low as 3.99%* APR for new or used auto loans.

*APR–Annual Percentage Rate. 3.74% remains the minimum APR available, regardless of discounts. Additional terms are available, with a required minimum financed amount, as well as minimum monthly payments. 3.99% APR includes 0.25% discount for refinancing from another financial institution and 0.25% for auto pay set up. 3.74% APR includes 0.25% discount for auto pay set up.

APR depends on your creditworthiness as determined by your credit score and your loan term, and the condition of collateral as well as mileage will also be considered. Rates are not guaranteed, and may change at any time. Mileage and the condition of the collateral will be considered.

Some restrictions apply.
^A 20% minimum cash down payment is required for a Recreational Vehicle loan.

Don’t overpay for your next car

Start your next car search—for a new or used vehicle—with 1st Advantage's Car Buying Service powered by TrueCar. This online service makes car buying easier and friendlier, a no-hassle buying experience that guarantees you savings on your vehicle purchase price so you don't overpay. 

On average, our Members have seen savings of $3,402 off MSRP*.

1st Advantage Car Buying Service Features

  • Member Price Savings: Compare prices on the car you want and get the 1st Advantage Member Price for guaranteed savings before you even talk to a dealer. 

  • Free, Comprehensive Price Reports: Get the information you need to make savvy car-buying decisions.

  • Secure Great Savings with Our Certified Dealer Network: Tap into a carefully-chosen network of local dealers who are committed to providing you with a streamlined car buying experience.

Getting Started

When you’re ready, take the stress out of purchasing a car with these three easy steps.

  • Compare: Tell us your preferences (make, model, and other options) to search for your ideal car. Or, search a wide range of options from our existing used car inventory. Then, match up prices from different dealers.

  • Connect: Pick a TrueCar Certified Dealer from your local network and print out a Guaranteed Savings Certificate**. You’ll work together with your chosen dealer to purchase the car you’ve selected.

  • Get Pre-Approved: Before you visit the dealer, apply for a pre-approved used or new auto loan from 1st Advantage.

* Between 7/1/18 and 9/30/18, the average savings off MSRP presented by TrueCar Certified Dealers to users of TrueCar powered websites based on users who received in-stock price offers and who TrueCar identified as purchasing a new vehicle of the same make and model as one of the in-stock price offers from a Certified Dealer as of 10/31/18, was $3,402. 

Actual savings may vary. Multiple factors can affect the amount you save, such as which vehicle you choose, your region and dealer, as well as any applicable manufacturer incentives, which can be specific to your vehicle and are subject to change. Manufacturers determine MSRP, which means it might not be a true indication of vehicle prices in the dealer’s trade area, since not every vehicle is sold at MSRP.

 Each dealer sets its own pricing.
** Guaranteed Savings are not available in every state. In those states, you will be shown a Target Price. A Target Price is what you can reasonably assume you will pay for the vehicle, as it’s been configured, based on the market. A Certified Dealer may not offer or have in-stock your configured vehicle.



“My wife and I have been with 1st Advantage Federal Credit Union since 2004. We started off with a checking and savings account. Since then we have had 4 car loans, 6 personal loans and a charge card. We have been very happy with this credit union...This is a great bank with great rates and I will continue to be with them for many more years to come.”


Quick and Easy 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.

^^ Limitations apply. Contact 1st Advantage for details.

*Receive $250 cash when you finance a new auto loan (2020 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. 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.

^Receive a cash bonus when you refinance a loan from another financial institution with 1st Advantage. 

Cash bonuses are based on loan amount. Receive $200 for loan amounts of $25,000 or more; Receive $150 for loan amounts of $20,000 to $24,999.99; Receive $100 for loan amounts of $15,000 to $19,999.99; Receive $50 for loan amounts $5,000 to $14,999.99 Minimum loan amount must be over $5,000 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. Existing 1st Advantage loans are not eligible for this offer. Contact 1st Advantage for details.