It's time to get a better deal on a car loan. Whether you're purchasing a vehicle or refinancing a loan, we’ll work to help you get the best rate and loan terms that fit your lifestyle. Our members save hundreds, even thousands of dollars over the life of their loans, and you can too.

New, Used, Or Refinancing. We Have You Covered.

No matter your ideal ride, we have a loan to get (or keep) you on the road. Take advantage of our application process that makes car buying fast and convenient. Apply now and get pre-approved the same day.

1st Advantage Auto Loan Benefits

Financing your auto loan with 1st Advantage gives you access to benefits you can’t get from the big banks. Our rates are lower, we don’t charge you extra fees, and you’ll always have local service in Hampton Roads because we’re Virginia-based with branches in your area.

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No Application fee
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100% Financing
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No Payment for 90-Days*
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Preapproval in Minutes
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Exceptionally Low Rates
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Car Buying Service

Loan Rates Just for You

Type of Loan Term (Months) Annual Percentage Rate (APR)* Take Action
New and Used Auto
  Up to 48 months  5.74%* Apply Now
  Up to 60 months  5.74%*
Apply Now
  Up to 66 months 6.10%*
Apply Now
  Up to 75 months
6.49%*
Apply Now
  Up to 84 months
7.74%*
Apply Now
  Up to 96 months
9.74%*
Apply Now

Auto Loan Calculator

$
$
5.74%*
Est. Monthly Payment: 0

Quick and Easy Application Process

Step

1

Apply Online

The application takes
less than 20 minutes.

Step

2

Sign Your Loan

Agree to the loan
amount, rates, and terms.

Step

3

We'll Do The Rest

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

★★★★★

“I have been a member of 1st Advantage Federal Credit Union for a long time and have been very happy with their service. I have financed numerous vehicles with them, and they provide good rates and services in the entire process. If I ever leave the area, I will continue to bank with 1st Advantage Credit Union because I have been completely satisfied.”

 - Richard, in Gloucester


★★★★★

“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 credit 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.”

 - David, in Hampton


Don’t Overpay for Your Next Car

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

 

1st Advantage Car Buying Service

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. 

  • Member Price Savings: Compare prices on the car you want and get the 1st Advantage Member Price for guaranteed savings before talking 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 committed to providing you with a streamlined car buying experience.

a young woman hugs the steering wheel of her new car.

Auto Loan Resources

a happy couple celebrating buying a new car.

Auto Loan Resource Hub

Get the information you need to shop for an auto that meets your needs at a price that fits your budget- and much more.

 
a couple looks at their budget on their computer and decides to buy a car.

Financial Calculators

Find out how much you can afford to spend on a vehicle and how much your monthly payments will be.

 
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How to Make Payments

1st Advantage offers several convenient ways to make your loan payments. Click the button to learn more.

 

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

*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. 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.