Go the distance with a First Harvest Auto Loan!
For a limited time, members who apply for a new qualifying auto loan can enjoy no payments for the first 90 days1! With current rates as low as 5.24% APR2 and flexible terms available up to 84 months, don't miss your chance to lock-in this competitive offer!
No payments for the first 90 days1 on qualifying new auto purchases, lease buyouts, and refinances from another lender!
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AutoSMART Shopping Tool
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
Insurance and Protection
TruStage™ Auto Insurance Program
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.
It’s simple to get a free quote today. Don’t wait to see how much you could save!
Additional Protection:
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1. 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 Offer may be withdrawn at any time at the discretion of the credit union.
2. Annual Percentage Rate (APR) effective as of 11/01/2024 and are subject to be cancelled, extended, or changed without notice. New Auto Loan rates available for 2024 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: $15.01 for every $1,000 borrowed at 6.74% 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.