Update on COVID-19:  Taking care of our members and team members is our top priority. As a result, most 1st Financial locations are operating as drive-thru only.  Learn more about how we’re here to help.

New and Used Auto Loans

Whether you’re shopping for an old beauty or looking for the most practical commuter car out there, we’re here to help. With our quick and easy online application, we’ll get you into that new car in no time.

We offer:

  • Low rates and flexible terms
  • No hidden fees or pre-payment penalties
  • Quick and easy application process
  • Loan terms up to 84 months for flexible payments
  • Financing up to 120% of MSRP including tax, title, and payment protection
  • Multiple payment options (payroll deduction or online payment)
  • Payment protection for peace of mind
  • Free online account access

Apply Now

Limited Time Special Offer

Bring us your auto loan, we’ll beat your rate.we'll beat your rate in page graphic

Rates are dropping and we’re ready to reduce your current auto loan rate by at least 1.00% APR* or more!

It’s simple. Take your current auto loan interest rate, subtract 1.00% APR* or more — and that’ll be your new rate. Refinancing could help your car payment go WAY down and we’ll give you 60 days without a payment.1

Even if you just bought your car, you can refinance your auto loan from another lender with us today and we’ll beat your current rate by at least 1.00% APR.* The process is simple, fast, and free. So you can enjoy more money in your pocket right away.

Refinance today and:

  • Get 60 days with no pay1
  • Reduce your current rate by at least 1.00% APR*
  • Choose from flexible terms up to 84 months

Refinance Now

1.Subject to credit approval. Special offer floor rate is 1.99% APR (which includes a 0.25% discount for Auto Pay). Maximum rate is currently 17.99% APR. Rates can vary based on creditworthiness, age of vehicle, and terms of the loan. Your actual rate can be higher or lower depending on credit performance. Rates & terms subject to change based on market conditions and borrower eligibility. Verification of current auto loan rate required. Offer does not apply to loans already financed at 1st Financial. Before you can refinance your loan at 1st Financial, a savings account is required with a minimum account balance of $1.00. 1st Financial does not charge a fee to refinance your loan. Other title and licensing fees may apply. Minimum loan amount of $5,000. Membership and certain restrictions apply. Loans subject to normal lending criteria and approval. 1. 60 days no payment offer only for qualified borrowers. Interest still accrues during the 60 day deferral period. Additional criteria may apply. Offer expires 6/30/2020.

The reviews are in.

My wife and I loved the service so much that even when we moved away we kept our account. The car loan process has been second to none; 5 new car loans since we moved and we have no intentions of ever leaving 1st Financial.

– Bill F., OK

My loan officer was so down to earth which made me feel so comfortable. And I got an excellent rate.

E.H.

You may also be interested in:

  • Auto Loan Refinancing

    If you’re interested in refinancing your current auto loan from another lender to save some money, we’re here to help. It only takes a few minutes to get started and we don’t charge a fee to refinance your loan.

    Apply Now

  • Enterprise Car Sales

    Our partnership with Enterprise lets you finance directly at any Enterprise Car Sale location. They offer a 12 month/12,000 mile warranty on every car, plus a 7-day or 1,000 mile buy-back guarantee.**

    Shop Now

**Subject to Enterprise terms.

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