Skip to main content
  • Like Us on Facebook
  • Visit our YouTube Channel

Auto Loans

Helping you save on auto loans? It’s what we do.

Apply Now View Rates

At Members First, we're like mini money ninjas - here to save the day! We're small enough to get to know you, which lets us make a big difference in your finances.

Whether it's brand new or just new to you, our auto loans start at the same low rates. If you're already financing your vehicle at another institution, let us refinance it for you. Chances are, we can lower your monthly payment and save you money.


Apply now and make no payments for 90 days!*

With 90 days to make your first payment and our low rates, now's the time to trade in your vehicle. Whether it's brand new or just new to you, our auto loans start with rates as low as 2.50 APR.***

If you’re not in the market to buy, that’s okay, too. You can be payment free for 90 days 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.

**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.

***Annual Percentage Rate (APR) accurate as of 5/1/21, based on a loan amount of $15,000 including a $60 processing fee and subject to change without notice. Minimum loan amount of $25,000 required for 76-84 month term. All loans are subject to credit approval and credit history. New auto is a current year vehicle with no more than 6,000 miles on the odometer. Maximum Loan to Value (LTV) and rate determined by credit history. VSI of $75-$95 will be charged per collateral on all collateral loans.