special offer ending 10/15/2020

We’ll Beat Your Payment

If you’ve had refinancing your auto loan on your mind, now may be the best time for you to refi. The economy and drops in rates are shaping refinancing into an attractive option right now.

Refinance today and:

  • Get 60 days with no pay1
  • Flexible terms up to 84 months
  • Rates as low as 1.99% APR
  • And a better payment!

Refinance Now

1.APR=Annual Percentage Rate. Special floor rate is 1.99%APR (which includes 0.25% discount on auto pay). Subject to credit approval. 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. 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 10/15/2020.

Finance Your Auto Loan at the Credit Union

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

Car loan application process

You could get approved quickly online for a car loan.

Submit an application

To get the loan process started, first submit an online loan application. You can also apply by calling 636-916-8300.

Get preapproved

We will process your application and notify you when your preapproval is completed, usually the same day.

Negotiate the best deal

Be sure to bring your loan preapproval to the dealer, as this will give you maximum leverage and help you negotiate the best deal.

Complete your loan documents

Once the deal is finalized, send us the purchase agreement and we can finalize your loan documents online using Docusign.

Finalize your financing

We’ll send the funds to you or the dealer.

Apply Now

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.


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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