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Auto & Recreation Loans

First Community Credit Union Auto Loans
#1 Vehicle Lender in the Stateline Area

as low as 4.90% APR*
for 36 months on 2021 or new vehicles

Apply Online       View Rates

Members Love FirstCCU, But Don't Just Take Our Word For It!
"FirstCCU helped me save over $1300 per month! I'm truly grateful they were able to help get my life back on track."
- Teresa W.

Buy New, Used, or Refinance

It doesn't matter if you’re looking for small auto loans on your first car or upgrading your current vehicle to the newest model, we offer affordable financing for both new and used vehicles. First Community Credit Union can also refinance any current loans you have at other institutions which could mean big savings for you. See below for an example of monthly and over the life of loan savings.

Refinance and Save Big

Example: $25,000 Loan
Rate Term Monthly Payment
Current Loan at Other Financial Institution 5.99% APR* 72 months $414.20
Loan Refinanced with FirstCCU 5.49% APR* 72 months $408.33
  Savings on your Monthly Payment $5.87
  Total savings over the life of the loan $422.64
*Annual Percentage Rate. Rate and length of term may vary by model. Other credit qualifications may apply. Rates subject to change and based on creditworthiness.

Apply Online         View Rates

Apply online or contact your local FirstCCU branch to get started.

FirstCCU Loan Calculator  

Calculate a loan term or your monthly payment with FirstCCU's loan calculator. You can also print a quote straight and get an estimated cost on optional protection.

Simply Enter:

  • Desired Loan Amount
  • Monthly Payment Amount in mind OR Number of Monthly Payments
  • Interest Rate 

Loan Calculator

New & Used Recreational Vehicle Loans

We finance more than just autos, LET US FINANCE ALL YOUR TOYS!

First Community Credit Union offers financing for:

  • Motorcycles
  • Campers & RVs
  • Boats
  • ATVs & UTVs
  • Snowmobiles
  • Compact/Utility Tractors
  • Other Personal Hard Goods

 Apply Online   

 Check out our preferred local dealerships

Skip a trip to the branch and complete your financing through FirstCCU at one of our preferred local dealerships.

Shop Local  

FirstCCU Loan Protection

Protect yourself and your credit. Talk to your loan officer to make sure your loan is protected with: 

GAP (Guaranteed Asset Protection)

As vehicles get older they depreciate in value.  So if during the term of your loan your vehicle is stolen or damaged and deemed a total loss, you are responsible to pay the difference between what you owe and what the insurance company says your vehicle is worth. GAP helps cover the difference, potentially saving you thousands of dollars.

Extended Warranty

When buying a vehicle there’s always a chance of having a mechanical breakdown. Repairs can be very expensive but with a vehicle service contract, you can add protection against the high cost of vehicle repairs and in some cases eliminate the cost altogether. Vision Warranties are a member of the Allstate family of companies. Warranties are available with your choice of coverages/deductible amounts. 

To learn more visit: www.creditunion.forevercar.com/firstcommunitycuofbeloit

Debt Protection

Depending on the package you select, debt protection can postpone or cancel the principal and interest portion of your loan payment (up to the agreement maximum) if you become involuntarily unemployed or disabled. It can also cancel your loan (up to the agreement maximum) in the event of loss of life.


1 Estimated savings of credit union membership are calculated by average credit union loan interest rates and fees compared to average bank savings loan interest rates and fees.  *Annual Percentage Rate. Minimum $10,000 loan balance to qualify for promotional rates.  Rates and terms will be based on credit qualification and items being purchased or refinanced. Length of term may vary by year, model & mileage. Normal rate adjustment for cars of 90,000 miles and loan to value. Other credit qualifications & restrictions may apply. Minimum 690+ or better credit score required to qualify. While Supplies Last, member will recieve mug when loan is closed. Not valid on loans already financed with FirsCCU.  New money loan only. Applications must be submitted by 10/31/2023.

Federally Insured by the NCUA. Equal Housing Lender.

Our Local Dealerships read more

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