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Auto Loans

Apply now and make no payments until 2021!

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With 90 days before your first payment* now you can trade in your vehicle and take advantage of year-end auto deals! Whether it's brand new or just new to you, our auto loans start at the same low rates, just 2.50% APR.**

If you’re not in the market to buy, that’s okay, too. You can be payment free until 2021 just by refinancing your auto loan from another financial institution. Chances are, we can lower your monthly payment and save you money. And with our Refi-Rewards auto refinancing program, we’ll even give you cash back!***


How can we make a difference for you today?

  • I’d like to look at dealer inventory in the area and compare options
  • I’m shopping for a new or used vehicle and want to get preapproved
  • I found what I’m looking for and would like to apply right now
  • I’m refinancing my auto loan from another financial institution to save money

Why an Auto Loan at Members First?

  • Get the same low rate whether it’s new or used
  • No strings attached to get the best rate
  • Get preapproved for 30 days
  • Unlimited access to a complete car buyer’s website

AutoSmart

Your membership comes with unlimited access to a complete car buyer’s website. AutoSmart has it all:

  • Extensive new and used dealer inventories in NH and MA
  • Valuable vehicle research and comparisons
  • Easy-to-use loan calculators (in addition to our online calculators)

And best of all, once you find the vehicle you want, if you haven’t already applied for preapproval with us, you can apply while you’re on the AutoSmart website. You may even get an instant approval, which you can take to local dealerships and close your loan while you’re there.

At Members First we want to make sure the car buying process is an enjoyable one. We’re just a call or email away.


*No payments for 90 days limited time offer subject to change at any time without notice. Not valid on existing Members First Credit Union auto loans. Finance charge begins from date of funding and is repaid over the term of the loan. Loans subject to credit approval and credit history. Members deferring payments for 90 days are ineligible to participate in the skip a payment program for 12 months from date of first payment.

**Annual Percentage Rate (APR) accurate as of 10.1.20, subject to change and based on credit history. APR based on $15,000 loan including $60 processing fee with 100% Loan to Value (LTV) for a 36-month term and payments of $30.47 per $1,000. New autos are current year with less than 6,000 miles. 1% will be added to the qualifying rate for used vehicles older than 6 years.

***Auto loans refinanced with Members First Credit Union from another financial institution only. Interest rebate equals 15% of the total interest paid by the member each calendar year. Interest rebate paid in January of each year for the previous calendar year over the life of the loan as a deposit to the member's savings account. Loans paid off prior to December of the calendar year will receive rebate in January of following year. Savings account must be open and in good standing to receive rebate. Member must not be more than 60 days delinquent at any time during the life of the loan. Loans subject to credit approval and credit history. Excludes commercial vehicles. Offer not valid on existing MFCU auto loans. Subject to change at any time without notice.