Auto Loans

Personal Auto Loans

First Financial has great low rates – and they're the same whether you plan to purchase a new or pre-owned vehicle! That means it's the perfect time for a new ride or lower monthly payments. Our Auto Loans also have 24-hour approval decisions, low payments, and flexible terms. Get started today!
 

Don't miss out on great Auto Loan rates:

  • 4.74% APR up to 36 months*
  • 4.99% APR up to 48 months*
  • 5.49% APR up to 60 months*  
  • 5.99% APR up to 72 months*
  • 6.24% APR up to 84 months* (New Vehicles Only)

Our Auto Loans have:

  • Great low rates with personalized service and quick, same day approval decisions.
  • Check out our quick & easy application process.
  • Flexible terms up to 84 months
  • Electronic closings
  • Loan Payment Protection & Mechancial Repair Coverage 
  • Don't forget to check out our Preferred Auto Dealers for a great deal on your next vehicle purchase!
  • Think you paid too much at the dealership? Schedule a free review of your auto loan, by filling out our quick online form. You may be able to put more money back in your pocket!*
  • Have questions but not ready to apply? Fill out our online inquiry form at the bottom of the page and a representative will contact you.
Apply Online Below:

Auto Loan Refinance Options


  • Ready to refinance your vehicle to see if you can save some money on your monthly payments? Start the online application, or call the Loan Department at 732.312.1500, Option 4.
  • Did you know there's cash available in your car? Learn about our Cash Out Auto Loan options.
  • Do you have a vehicle lease coming due soon and want to keep your car? Learn about our Lease Buyout Loans.


First Time Car Buyer's Program

Get your first car with First Financial! Our first time car buyer's program features loan amounts up to $12k, terms up to 84 months, and no co-signer required.**
 

For more information:

  • Call the Loan Department at 732.312.1500, Option 4

Other Auto Related Services


*APR = Annual Percentage Rate. Not all applicants will qualify, subject to credit approval. Additional terms and conditions may apply. Actual rate may vary based on credit worthiness and term. First Financial FCU maintains the right to not extend credit, after you respond, if we determine you do not meet our guidelines for creditworthiness. Current loans financed with First Financial FCU are not eligible for review or refinance. A First Financial membership is required to obtain an Auto Loan and is available to anyone who lives, works, worships, volunteers or attends school in Monmouth or Ocean Counties. See credit union for details. A $5 deposit in a Base Savings Account is required to establish membership prior to opening any other account/loan. 

**Not all applicants will qualify, subject to credit approval. No credit required, however no derogatory credit allowed. Rates are fixed and will be based on model year of vehicle & term. Minimum loan amount is $6,000 and the maximum is $12,000. Not all applicants qualify for 84 month term, term will be based on model year of vehicle. No co-signer is required, but other terms and conditions apply to qualify for loan. Must meet all of the following underwriting guidelines for approval: Minimum 15% down payment, no previous auto loans, must be ages 18-30, minimum 12 months employment or employment contract, and debt to income ratio no more than 40%. Must provide 2 references, 2 most recent paystubs, and proof of insurance prior to funding. Enrollment in automatic payments is required. A First Financial membership is required to obtain an Auto Loan and is available to anyone who lives, works, worships, volunteers, or attends school in Monmouth or Ocean counties. A $5 deposit in a base savings account is required for membership. Other terms and conditions may apply, see credit union for details.
Would you like more information or do you have questions about one of our loans? Please fill out the form below and we will get back to you shortly!

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