Driving Towards Your Future
Whether you're looking to buy new or used, make it possible with an auto loan from Service First Federal Credit Union.
Service First Auto Loans
Fasten your seat belt! With a Service First Auto Loan, you’ll be on the road in no time as we serve you from start to finish with a quick local, decision and low, affordable rates to save you money.
New Vehicle Auto Loan Rates
| Credit Score | |||||
|---|---|---|---|---|---|
| New Vehicles (2022 & Newer) | 750+ | 749-680 | 679-650 | 649-600 | 599 and below |
| 84 months (2024 & Newer) | 5.89% | 6.39% | 7.59% | 11.74% | 15.99% |
| 72 months | 5.69% | 6.19% | 7.39% | 11.39% | 15.49% |
| 60 months | 5.38% | 5.75% | 7.03% | 10.99% | 14.99% |
| 6-48 months | 5.29% | 5.51% | 6.83% | 10.24% | 13.74% |
Used Vehicle Auto Loan Rates
| Credit Score | |||||
|---|---|---|---|---|---|
| Used Vehicles (2021 & Older) | 750+ | 749-680 | 679-650 | 649-600 | 599 and below |
| 72 months (2020-2021 only) | 7.09% | 7.59% | 8.79% | 12.79% | 16.89% |
| 60 months | 6.78% | 7.15% | 8.43% | 12.39% | 16.39% |
| 6-48 months | 6.69% | 6.91% | 8.23% | 11.64% | 15.14% |
Rates effective March 1, 2025 subject to change. Individual rate is determined by credit scores, subject to loan approval.
$10,000 loan at 7.09% APR (annual percentage rate) for a 72 month term with 0% down, monthly payments are $171.
Consult with a Service First Loan Representative for details and qualification criteria. Payment calculation is only an estimate, please speak with a loan officer for exact figures.
Monthly Loan Payment Calculator
Simply enter your loan amount, interest rate, and term to find a payment that works for your budget.
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Additional resources
Whether you are looking to refinance your vehicle, or options to protect your investment, we have you covered.