Mother and Father with daughter on bike

Save More. Earn More.

Vehicle Loans

Simplify the Car Buying Process

We love when our members get the cars they really want. And if you like the vehicle you have but your payments to another lender are just too high, you may be able to reduce them by refinancing with American First Credit Union. 

AutoSmart logo

Customize, don't compromise.

Now you can find the right car at the right place in just a few clicks. Search, research, and finance online now with AutoSMART.

Research vehicle type with AutoSMART

Finance your vehicle with AutoSMART

Build your dream vehicle with AutoSMART


Auto Buying Partners

Exclusive Member Benefits



Call Enterprise at 800.504.1194


Call Autoland at 800.234.6999

Vehicle Loan Rates      Effective as of 11/25/2019

Vehicle Loans
Term up to
APR Range New/Used*


36 months 2.84% - 12.59%
    48 months 2.94% - 13.64%
    60 months 3.19% - 15.39%
    72 months 3.29% - 6.79%
    84 months 3.29% - 6.79%


48 months 7.40% - 16.90%
    60 months 7.40% - 16.90%
    72 months 7.65% - 17.15%
    84 months 7.90% - 17.40%
Boats & RVs 48 months 6.74% - 10.49%
    60 months 6.99% - 8.74%
    84 months 7.24% - 8.99%
    120 months 7.49% - 9.24% 
Other Secured 48-72 months 7.40% - 16.90%

*All auto loan rates include a .50% discount for automatic payment transfer from an American First account. Some restrictions apply. A New Auto is a current year model with less than 7,500 miles, financing of up to 125% of MSRP. A Used Auto is a model 7 years old or newer, financing up to 125% Kelley Blue Book. Auto Loan subject to credit approval. Not all members will qualify. Current American First loans are not eligible for refinancing. Some financing exceptions made for vehicles not listed in current Kelley Blue Book. Rates & terms not applicable to previously funded American First Credit Union loans. No down payment required. An additional discount of .25% is available for 80% financing. Subject to change without notice. Rates may vary based on individual's credit history and underwriting factors.

The Little Extras that Matter for Your Loan

We care about you, so we have some programs that can help you deal with the unexpected. Get member pricing with your loans. **

Mechanical Breakdown Protection (MBP)**

Comparable to extended warranty coverage from an auto dealer, but about half the cost. Available for new and qualified used autos, trucks, and SUVs.

Guaranteed Asset Protection (GAP)**

Pays the difference between what you owe on your vehicle and what your insurance will pay if it is totaled or stolen. You can even receive $1,000 toward the cost of a replacement of a vehicle if financed by AFCU. Available for qualified autos, trucks, SUVs, boats, and RVs.

Debt Protection**

Get peace of mind with AFCU Debt Protection. AFCU Debt Protection is a voluntary loan-payment protection product that helps you get relief from the financial burden of delinquency, default, or foreclosure if a protected life event unexpectedly happens to you. Simple eligibility requirements help ease the enrollment process.

If a protected life event happens to you (and you're a protected borrower or co-borrower on the loan), Debt Protection will cancel or reduce repayment of your loan debt. Help lessen your worries, and your family's worries, about paying loans during a time when your income may be reduced or lost.

Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary Unemployment
**Your purchase of AFCU Debt Protection, Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP) are optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your Loan Representative or refer to the Member Agreement for a full explanation of the terms of AFCU Debt Protection.

Need Help With Your Vehicle Loan?

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A membership account can be opened to receive these and other services. A one-time $5 individual membership fee may apply to become a member of American First Credit Union. Membership is open to individuals who live, work, worship or attend school in Orange County or in the 16 qualified cities in southern California, work at an affinity group, or are members of the Children’s Museum of La Habra. Each family member is eligible to open an individual membership account.