Upgrade your ride — or just your rate. We’ve got you covered with an affordable loan for purchasing or refinancing.
Purchase the vehicle you really want or refinance the one you already love with a vehicle financing loan!
Rates as low as 4.99% APR1 and available terms up to 84 months!
For a limited time, members who apply for a new qualifying auto loan can enjoy no payments for the first 90 days2!
If you're still shopping around for your next vehicle, explore our AutoSMART Shopping tool to research available vehicles and enjoy a stress-free car buying experience.
Key Features
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Competitive Rates
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Customized Terms
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Local Decisions
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Awesome Service
- We offer competitive financing up to 125% of your new or pre-owned vehicles from 2015 and earlier
- Enjoy flexible terms for purchase and refinance loans up to 84 months
- Quick and easy pre-approval process extra bargaining power
- Prompt decision-making and processing
- Loans are available for vehicles purchased from licensed dealerships only. No Private Sale purchases
- Note: All-Terrain Vehicles (ATV’s) and Utility Task Vehicles (UTV’s) are not eligible for financing
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If you love the vehicle you’re in, but your monthly payments or terms are weighing you down, refinancing might be a helpful option for you. When you refinance, you have more flexibility in choosing your desired term length and monthly payment amount.
If your current monthly payments are taking up too much of your budget, then refinancing your loan with a lower rate or longer term could help lower that cost. If you find yourself making larger payments than required, shortening the term length of the loan can reduce the total interest you’ll have to pay.
We offer convenient and competitive auto loan refinancing with terms up to 84 months for vehicles made in 2020 and earlier.
If your auto lease is coming to an end, a lease buyout could be a good fit for you if:
- You love the car you're in
- Your leased vehicle's residual value is less than the curent market price
- You've altered the vehicle or will be returning it with damages
- You've surpassed your maximum mileage limit
We offer competitive lease buyout financing with flexible terms up to 84 months.
TruStage™ Auto Insurance Program
You work hard for your money and even harder to keep your budget on track. So why spend too much on Auto Insurance—maybe hundreds of dollars too much?
First Harvest Credit Union members may qualify for discounts on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.
TruStage offers a powerful mix of savings and popular, member-friendly benefits:
- Credit union members could save hundreds*
- Nationally recognized companies
- Friendly, 24/7 service—even on holidays
- Discounts for multiple vehicles, good driving and more**
- Mobile app for easy claims
It’s simple to get a free quote today. Don’t wait to see how much you could save!
GAP Protection
If your vehicle is deemed a total loss due to an accident or theft, there can be a significant gap between what you owe on your loan and what your auto insurance will cover. GAP Plus may reduce or even eliminate that shortfall in the event your vehicle is deemed a total loss and can help reduce your next loan at the credit union, making it easier to get the replacement vehicle you’ll need.
Mechanical Breakdown Protection
Mechanical Repair Coverage may help limit unexpected, covered repair costs as your vehicle ages, potentially saving your budget from future unexpected repair costs. What’s more, it can be used at any authorized repair facility in the continental United States of America, Alaska, Hawaii, and Canada.
An extra layer of protection
Financial protection for the unexpected – protect the ones that matter most. Debt Protection could help your family’s financial situation against a variety of covered life events:
- Involuntary Unemployment
- Disability
- Death
Members can shop stress-free with our AutoSMART shopping tool.
- View the inventories of hundreds of dealerships
- Research or explore your potential vehicle’s make, model, and price from the comfort of your home
- Get pre-approved for financing before visiting the dealership
Getting pre-approved before you buy helps ensure you’re getting the best rate and insight on your monthly payment, so you can shop with confidence.
1. Annual Percentage Rate (APR) effective as of 1/01/2025 and are subject to be cancelled, extended, or changed without notice. New Auto Loan rates available for 2023-2025 automobile model year with less than 20k miles. Rates for this product are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your rate may vary from the rates shown. Sample Monthly Payment: $14.88 for every $1,000 borrowed at 6.49% APR for 84 months with $25,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Auto Loan refinance rates available for vehicles not previously financed at First Harvest Credit Union. Membership restrictions apply. Other rates and terms available for model years 2023 and earlier. Contact us for details. Equal Opportunity Lender.
2. Loan applications must be submitted between 12/1/2024 and 02/28/2025 with loans disbursed by 03/31/2025 qualify for this offer. 90-Days deferred payment offer applies to new purchases (including lease buyouts) and refinances of vehicles from other institutions. Interest will continue to accrue from date of loan disbursement. Must be a member in good standing to qualify for this offer. There is no fee for the 90 day deferral period. Subject to normal underwriting terms and conditions. Must meet standard qualifications for approval. This offer requires a minimum 620 FICO credit score and maximum Loan-to-Value (LTV) of 110% JD Power Value (Used Auto) or MSRP (New Auto). LTV calculation does not include any financed Gap or Extended Warranty. Vehicle must be 2021 or newer for refinances and 2016 or newer for purchases. Vehicle mileage may not exceed 120,000. Rate offer is based on creditworthiness as well as other factors including term and LTV. The minimum amount of this offer is $10,000 with a minimum amount of $25,000 for seven-year financing. Additional terms and conditions apply. Offer may be withdrawn at any time at the discretion of the credit union.