Auto Loans

New & Used Vehicles

Enjoy competitive low rates and up to 100% financing (excluding taxes, tags and extended warranties). Have your NEW or USED car loan pre-approved for that cash in hand negotiating advantage! Your credit union offers you the best and easiest way to finance your car, van or light truck.

Take the dealer rebate and finance with Bucks First FCU
Choose the dealer rebate plan. Forego the low interest rate loan and get a cash rebate from the dealer for as much as $3000. Add a rebate to your down payment. This makes financing more appealing because a larger down payment reduces the amount you need to finance with the credit union. So which alternative is best? Should you take the dealer's low rate loan or the credit union's loan with the dealer rebate? Check out this example.

A low rate loan taken through the dealer for $20,000 at 1.9% APR requires a monthly payment of $349.97 to pay off in 60 months.

A low rate loan taken through the credit union for $17,000 at a rate as low as 3.99% APR requires a monthly payment of as low as $313.54 to payoff in 60 months.

Take the rebate offered by the dealer and finance with us. You'd save over $2000.00!

Beware of dealer low/0% rate offers and the fine print that goes with it
Whether you are deciding to take a rebate versus a low rate auto loan know the hidden costs in dealer financing, especially 0% APR financing. Typically, the special deals offered by automobile dealers are available only on slower selling model vehicles. These cars may have a lower resale value down the road. Dealer's financing can have prepayment penalties and require big down payments. Know the low rates that most dealers advertise are for short-term loans. Most people may not be able to afford the monthly payment.

Refinance your auto loan with Bucks First FCU
Is your auto loan payment too high since you took dealer financing? Has your financial situation changed since you bought your automobile? Or did you take the loan with another financial institution when rates were higher? A great solution to these questions may be to refinance your auto loan today. No matter what your situation is talk to a loan representative today. We can help!

For most credit union members, buying a car is serious business! It's a big decision that you'll live with for years to come.

At Bucks First FCU, we take car buying serious too! We believe that the best car buyer is an educated car buyer. Buyers who know what they want, how much to pay, and how to finance it always seem to get a better deal than impulse buyers. That's why Bucks First FCU has this page on our site.

Not Sure What To Buy?
Many new car manufactures now use the web to supply consumers with all kinds of information on their current offerings. In fact, many have much more information on the web than you could get from their promotional material at the dealer. So take a look. In addition, we have links to used car sites and classifieds to assist you.

How Much To Pay?
Use the links to help determine the value of the vehicle you want. You can also use the classifieds to see what others are trying to get for similar cars. Or, use the Bucks First FCU United Buying Service by simply calling 1-800-610-2277. Our United Buying Service is a special dealer referral service that will pre-negotiate a great price on the car you want.

Financing Considerations?
A super low, seller arranged interest rate may not mean very much if you pay too much for the car, or purchase credit insurance and other add-ons at super high prices. When all totaled up, you may pay more! At your credit union, you will always get a straight, honest, and affordable interest rate with service that's second to none! In addition, you can get your loan pre-approved before committing to any deal. The best car buying experience around is available to you at your credit union!

Applying is Easy! Just complete the online application. It takes only a few minutes to apply!