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 current auto loan rates.

Our Auto Loans also have:

  • Great low rates with personalized service and quick approval decisions
  • Flexible terms up to 72 months
  • Up to 100% financing of the purchase price
  • 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!

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

Drive Towards Rewards: Auto Loan Referral Program

First Financial members who refer new or refinanced Auto Loans of at least $12,000 will receive $75! Your friends and family will get to save on their monthly car payments. This offer is not in combination with any other offers, including Tell a Friend.**

Click here to print and fill out a Drive Towards Rewards auto referral coupon, and bring it to your nearest branch!

Ready to refinance? 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.

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!

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.

**Offer can be cancelled or withdrawn at any time. Coupon for each referral must be completed and returned to the Marketing Department in order to qualify for the offer. The Auto Loan referral can be an existing First Financial member who does not currently have a First Financial Auto Loan and chooses to refinance. Not all applicants will qualify, subject to credit approval. The referral bonus will be payable to the referring member after the first loan payment is made and within 45 days after receiving the title with the perfected lien showing First Financial FCU as lien holder. Minimum auto loan amount eligible for participation is $12,000 and can be a refinance or a new auto loan. Cannot be combined with any other offer including our Tell a Friend and Reward Yourself referral programs. Cash bonus may be considered interest reportable on IRS Form 1099-INT.