AUTO LOANS
We make getting a new or used car easy with great, low rates, flexible terms and lots of benefits.
Purchase your next auto with rates as low as 6.09% APR*
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More ways we can help you manage your money.
A full range of products, services and tools to help you with everyday financial life.
CALCULATE PAYMENT
Quickly find out just how much car you can afford.
LOAN PROTECTION
Debt Protection and Guaranteed Asset Protection available.
AUTO INSURANCE
We can connect you to great auto coverage that can save money with nice discounts.
ONLINE LOAN PAYMENTS
Stop writing and mailing checks by paying your loan online in seconds.
Find an auto loan that helps drive savings.
Finance your auto for less and get more.
Whether you’re buying new or used, we have a car loan that will help you save. Find it all here: low rates, great terms and plenty of benefits:
- Terms to fit your budget
- Low Auto Rates
- Automatic payment options
- 100% financing to qualified borrowers
- Refinance a current auto loan from another lender
If you have a current car loan and think you could be saving money, paying off your vehicle sooner or lowering your payment, we can help you refinance and do better.
AUTO LOAN RATES
New & Used Auto Loan Rates
| Model Year | Up to 66 months APR* as low as | Approx. Loan Payment2| 67-75 months1 | APR* as low as Approx. Loan Payment2 | 76-84 months1 | APR* as low as Approx. Loan Payment2
| |
|---|---|---|---|---|---|---|
| 2025 - 2022 | 6.09% | $17.87 | 6.19% | $16.12 | 6.99% | $15.09 |
| 2021 - 2019 | 6.74% | $18.18 | 6.99% | $16.50 | 7.54% | $15.36 |
| 2018 - 2016 | 7.14% | $18.37 | 7.39% | $16.69 | 8.19% | $15.69 |
| 2015 & Older | 9.39% | $19.46 | 10.79% | $18.39 | N/A | N/A |
*APR denotes Annual Percentage Rate. Rates are subject to change without notice. Rates are based upon an evaluation of applicant credit. Actual rates may vary. 1 Minimum $15,000 amount financed for a 72-Month Term & $20,000 for an 84-Month Term.
2All payments quoted above are based upon $1,000 borrowed. In order to obtain an estimated monthly payment for a specified loan amount, multiply the monthly payment factor for the desired loan term by the number of thousand dollars borrowed. Calculate your payment with our Loan Calculator.
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LOAN PROCESS FAQs
Yes. Before applying for a loan at People First, you must qualify for membership and open a savings account with an initial deposit of at least $5.00. Immediately after opening your account, you can submit a loan application.
Our goal is to process your loan request as quickly as possible. People First strives to get all members a loan response within 24 hours from the time you submit your application. Loan closings can usually occur within a week.
Yes, all consumer loans are available to our members who live and work in the U.S. Contact us for details.