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Auto Loans

In the market for a new or used vehicle? First U.S. has great low rates and affordable payments designed to fit your budget. We even offer a First Time Auto Buyer program to help you purchase a vehicle without a cosigner, and Auto Equity Loans with potential tax savings for homeowners.

Always start by getting pre-approved, then choose the option you prefer:

Get Preapproved and visit a Dealer Today

  • Credit Union Direct Lending allows you to get First U.S. financing right at the dealership
  • Just say "I want First U.S. financing" when you visit your favorite dealer
  • Visit our AutoSmart page to get started

Enjoy Concierge Buying with Direct Sales & Leasing

Photo of John Greenly
  • Our partner, John Greenly is your personal auto buyer – and can make purchasing a new or used vehicle a snap
  • With years of experience in the auto industry, he can negotiate a great price, save you the hassle of negotiating with dealers, and works to keep your payments within your budget
  • Direct Sales & Leasing will even arrange delivery of your new or used vehicle, right to your door
  • Call John directly for all your auto needs, from general questions, or to take advantage of his buying expertise

John Greenly
Direct Sales & Leasing
(916) 995-7350

Save with our everyday discount at Enterprise Car Sales

  • Enjoy a 0.50% APR discount when you buy from Enterprise Car Sales
  • Shop worry free with a 7-day buyback guarantee
  • And you can trust their quality inventory with ASE-certified inspections
  • Save with Enterprise Car Sales today

Everyday discount applies to standard, posted rates. Not available with any other rate discounts or offers.

First Time Auto Buyer

It's simple to purchase your first car with a First Time Auto Buyer loan from First U.S.

  • No credit necessary (but no derogatory credit), and no co-signer necessary
  • Only $500 down required
  • Enjoy a low, fixed APR for terms to 66 months
  • Finance up to a maximum of 100% MSRP for new vehicles or 100% of high Kelley Blue Book for used vehicles
  • Ask us about a 1.00% APR discount for existing members or family of existing members, and an additional ½% APR discount for loans of 80% MSRP or high KBB

Call a Member Service Representative at (800) 556-6768 to get more information or to start the process. Or stop by your local branch today.

Annual Percentage Rate (APR), Terms and offers effective 02/17/2019 and subject to change without notice. Existing member is defined as having an account in good standing and open for a minimum of 3 months at the time of loan application.

Recreational Vehicle Loans

Motorcycles and More

For your leisure-time fun, First U.S. offers flexible terms and low rates to finance a variety of recreational vehicles, like motorcycles, boats, campers and more.

New and Used RV Financing

With low rates and terms to 180 months, we make a difference for you with RV financing to help get you on the road and relaxing. We make a difference by allowing you to finance up to 100% MSRP (or 100% retail NADA for used RVs).

RV Equity Loans

Same great rates but enjoy the potential for tax-deductible interest with a courtesy lien added to your primary residence (consult your tax advisor).