How May We Help?

At National 1st Credit Union we make it easy for you to drive away in a new or used car, whether you're purchasing or refinancing an existing auto loan. What makes our auto loans even better? We have an easy approval process, flexible terms, outstanding rates, and convenient payment options. Get the application process started today!

Summary

• Competitive rates - currently as low as 2.99% APR*
• Receive an additional .25% off with the purchase of a hybrid vehicle*
• Loans up to $100,000
• Same day financing
• Terms up to 7 years on loans over $25,000
• Financing up to 115% of MSRP or Kelley Blue Book value
• Pre-approvals so you can shop like a cash buyer
• Affordable payment protection plans
• Classic car financing available
• No prepayment penalties
• No application fee
• Auto buying assistance
• Personal service
• Financing on vehicles up to 125,000 miles

*Rate will not go below the as low as rate.

View our current rates.

Calculate your auto loan payment here.

Skip-A-Payment Application

For an auto loan application click here. Once complete, please fax to 408.524.4528 or deliver to any branch.

Additional Protection

GAP Insurance

Guaranteed Asset Protection (GAP) ensures that you are financially protected should your auto ever be totaled or stolen. GAP pays the difference between the actual cash value and the balance of your loan at the time of your loss.

Sign up for GAP coverage when you apply for a loan at National 1st. There's no underwriting, no red tape, and no hassles. For your convenience, the low premium can even be combined into your monthly payment.

Mechanical Repair Coverage (MRC)

Mechanical Repair Coverage (MRC) helps you pay for covered repairs when that unexpected breakdown occurs. MRC protects you against the costs of mechanical repairs, towing, car rental, and more. Protect your vehicle and get the peace of mind you deserve.

Safeguard your loan with 1st Payment Protection

1st Payment Protection* cancels your eligible loan balance up to the agreement maximum should anything happen to you before paying off your loan. In addition, if you become disabled due to a covered illness or injury, become involuntarily unemployed, or take an unpaid family leave, 1st Payment Protection can cancel your monthly loan payment, up to the agreement maximum. With payment cancellation, both the principal and interest portion of your loan payments are cancelled (up to the agreement amount), and your loan balance declines. Speak with a Member Service Representative for more information on eligibility, terms, conditions, and exclusions.

*1st Payment Protection is a debt protection product offered by National 1st Credit Union. Enrollment in this debt protection product is voluntary and not required to obtain a loan. 1st mortgages are not eligible. B2BL-0209-815B

Auto Buying Made Easy

National 1st has convenient options and sources for purchasing your next vehicle. If you're in the market for a new or used automobile, but the thought of negotiating with a salesperson doesn't sound appealing, we can help. If you do decide you want to negotiate we offer resources for you before you step foot onto a car lot.

Credit Union Direct Lending (CUDL)

Get your credit union vehicle financing approved and funded right at the dealer through the Credit Union Direct Lending (CUDL®). It's simple, fast, and easy! Just identify yourself as a National 1st member at any dealership displaying the CUDL logo to get your financing on the spot.

Independent Fleet Managers Association (IFMA)

Purchase a new or used automobile with no hassles, middlemen, or hidden fees. By dealing directly with an IFMA fleet manager, you can count on receiving knowledgeable and courteous service while saving time, money, and aggravation. Make an appointment before visiting the dealership, as this special fleet program only applies if the IFMA dealer is directly involved.

Autoland

Autoland offers one-stop shopping, with an extensive inventory of new and certified pre-owned vehicles. Their consultants can answer your questions on all makes, models, and styles; they can even help you trade in your old car. Best of all, their simple one-price policy ensures that you get the best price around without having to negotiate.

Kelley Blue Book

Before you buy or sell a car, check out the Kelley Blue Book value. Find out the fair market value for dealer pricing on a new car, trade-in pricing on your old car, or private sale pricing for a particular make and model

Kelley Blue Book is a registered trademark of Kelley Blus book Co., Inc.

Fuel Economy

The official U.S. government source for fuel economy information.

J.D. Power

Car review and ratings.