First Financial Federal Credit Union

Auto Loans

First Financial has great low rates – and they're the same whether you plan to purchase a new or pre-owned vehicle

View our Auto Loan rates.

Our Auto Loans also have:

  • Great low rates with personalized service and quick approval decisions
  • Flexible terms up to 72 months
  • Same-day approval
  • Electronic closings
  • Loan Payment Protection
  • AutoSMART – free online auto buying & selling resource
  • And don't forget to check out our Preferred Dealers to get 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!*
  • See if we can beat your current auto loan rate with our 2% Challenge from Memorial Day to Labor Day! Start saving on your auto loan payments this summer.
  • Scratch and win with a First Financial Auto Loan or Lease Buyout Loan for the rest of this year! You could win up to $250 when you close on a First Financial Auto Loan. At loan closing, you will receive a scratch and win card. The amount revealed will be issued to you in the form of a Visa Gift Card. It's win-win!+

Apply for a New Auto Loan | Apply for a Used Auto Loan

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.** PLUS: Snap a selfie with your first car using #FirstFiFirstCar and you'll be entered to win a $50 Visa Gift Card! Apply for your first auto loan now.

Ready to refinance your vehicle? Start the online application here, or call the Loan Department at 732.312.1500, Option 4.

If you leased your vehicle and now you want to buy out your lease, we can help with that, too! Simply fill out the online application in the link above to get started, or call the Loan Department with any questions.

Articles About Vehicle Leasing:

Speedometer withn lease buyout

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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Other Auto Related Services

APR = Annual Percentage Rate. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. Actual rate may vary based on credit worthiness and term. A First Financial membership is required to obtain a First Financial 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 for credit union membership prior to opening any other account/loan. Federally insured by NCUA.

*Not all applicants will qualify, subject to credit approval. 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. A $5 deposit in a Base Savings Account is required to establish membership. 

**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. Maximum loan amount is $12,000 and minimum is $6,000. 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. Applicants who close on a First Time Auto Loan, and post a selfie with their new car using hash tag #FirstFiFirstCar on Instagram, will be entered to win a $50 Visa gift card. Drawings are bi-annual (June 30th & December 31st). One winner per drawing. Winners will be contacted within 1 week of drawing. 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.

+Direct auto loans financed between 4/2/18 – 12/31/18 may receive a scratch and win card upon loan closing, while supplies last. The prize amount revealed will be provided in the form of a Visa® Gift Card and issued upon showing a branch employee the card. Maximum prize amount is $250 but not guaranteed, prize amounts will vary. Limit one scratch off card per auto loan. Must be 18 years or older. 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 credit union membership.