Vehicle Loans to Save You Stress and Money

Your search for a driver-friendly vehicle loan stops at First Community Credit Union.  Regardless of the type of vehicle you require—a car for the daily back-and-forth, an SUV for the whole crew on exhilarating adventures, or a truck for your bigger, bulkier projects—you have financing options that seem quite suitable, even made-to-measure in some cases.

Buying or refinancing a used car doesn't have to be a stress either--ask about our extended vehicle warranty coverage (Mechanical Repair Coverage) and how it can be bundled right into your loan--the average cost is less than $35 a month! 

Flexible Options: Refinance, buy new or used, and add peace of mind 

Regardless of the type of vehicle you require—a car for the daily back-and-forth, an SUV for the whole gang on exhilarating adventures, or a truck for your bigger, bulkier projects--don't overpay!!

We help our members lower their car payments everyday.  Use our Auto Loan Calculator or Auto Refi Calculator to run the numbers to see how you can save.

Loan Rate Term Monthly Payment
Current Loan at Other Lender 18.99% APR* 84 months $1080.10
No-Fee Refi with FirstCCU 5.74% APR* 78 months $875.18**

How much could you save by refinancing?

Savings on the payment above is more than $200 each month!

TOTAL savings over the life of your loan is more than $20,000 in interest!

This savings is all on a fully protected loan with GAP+, Mechanical Repair Coverage, and Debt Protection included!**

Auto Loan rates as low as  3.99% APR* for 36 months

Recreation Loan rates as low as  4.49% APR* for up to 36 months

Rates for 2022 model year or newer

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit, Janesville, and Monroe, Wisconsin and Freeport, Rockford, Belvidere, and Roscoe, Illinois.

FirstCCU has been here for over 90 years, we're still local and always member-owned.

*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.
**Loan savings example is approximated based on $50,000 original loan balance financed 12 months prior for 84 months at 18.99% with 690+ credit score vehicle used at time of calculation is a 2023 Chevrolet Traverse VIN 1GNEVGKW3PJ275584 with approximately 17,000 miles. Fully protected means the vehicle loan has added optional Debt Protection, Mechanical Repair Coverage, and GAP+ coverage each at additional expense. Prices vary based on year, make, model, mileage, and other factors. See your Member Relationship Manager for more details.