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Auto & Recreation Loans

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

Applying is Quick and Easy! Save $200 OR MORE on your monthly car payment!1

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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 7.80% APR* 72 months $435.89
Loan Refinanced with FirstCCU 6.89% APR* 72 months $424.91
  Savings on your Monthly Payment $10.98
  Total savings over the life of the loan $790.56
*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.

Why Extended Warranty?

As your vehicle gets older, the risk and cost of repairs increases.
A breakdown can be troubling enough without the added worry of expensive repairs.

With Mechanical Repair Coverage3, you can enjoy many valuable benefits among which are:

  • Substitute transportation: up to $50 per day up to a maximum of 10 days, available on the first day of coverage. Options for traditional rental car or rideshare are available.
  • 24-emergency roadside assistance: up to $125 per occurrence, includes towing, battery jumpstart, fluid delivery, flat tire assistance, lock-out service, and extracting your vehicle from an inaccessible area within 50 feet of a paved road or highway.
  • No out-of-pocket expense (except for any deductible): the administrator pays the repair facility directly for the covered repair.

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.
 



3 Mechanical Repair Coverage is provided and administered by Consumer Program Administrators, Inc. in all states except CA; where coverage is offered as insurance by Virginia Surety Company, Inc., in NH; where coverage is provided and administered by Consumer Program Administrators, Inc. dba Consumer Warranty Program Administrators, in TX; where coverage is provided and administered by Consumer Program Administrators, Inc. dba The Administrators of Consumer Programs (TX License #175), in FL and OK; where coverage is provided and administered by Automotive Warranty Services of Florida, Inc. (Florida License #60023 and Oklahoma License #44198051), and in WA; where coverage is provided by National Product Care Company and administered by Consumer Program Administrators, Inc., all located at 175 West Jackson Blvd., Chicago, Illinois 60604, 1-800-752-6265. This coverage is made available to you by CUNA Mutual Insurance Agency, Inc. The purchase of Mechanical Repair Coverage is optional. This document provides general information about Mechanical Repair Coverage and should not be solely relied upon when purchasing coverage. Be sure to read the Vehicle Service Contract or the Insurance Policy, which will explain the exact terms, conditions and exclusions. Coverage varies by state. Replacement parts may be new, used, non-OEM or remanufactured.
Copyright & Unique ID:
© TruStage
MRC-3415612.4-0324-0426

Federally Insured by the NCUA. Equal Housing Lender.

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