AUTO LOANS
We make getting a new or used car easy with great, low rates, flexible terms and lots of benefits.
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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
| Loan Type | Up to 36 months APR* as low as | 37-48 months APR* as low as | 49-60 months APR* as low as | 61-72 months2 APR* as low as | 73-84 months3 APR* as low as |
|---|---|---|---|---|---|
| New Auto | 4.99% | 5.24% | 5.24% | 5.74% | 6.24% |
| Approx. Loan Payment1 | $29.97 | $23.14 | $18.98 | $16.45 | $14.73 |
| Used Auto | 4.99% | 5.49% | 5.74% | 5.99% | 6.49% |
| Approx. Loan Payment1 | $29.97 | $23.25 | $19.22 | $16.57 | $14.85 |
| Older Auto4 | 6.49% | 6.49% | 7.49% | N/A | N/A |
| Approx. Loan Payment1 | $30.65 | $23.71 | $20.04 | 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. 1All 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 listed above for the desired loan term by the number of thousand dollars borrowed or calculate your payment with our Loan Calculator. 2Used auto loans only: Current and Previous five (5) model years only. 3Used auto loans only: Current and Previous two (2) model years only. 4Vehicles older than eight (8) model years.
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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.