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.

Sweetheart Deal

From February 12 - 28, 2018 get 1% cash back on new or refinanced Auto Loans of at least $10,000!+ 

Apply now using promo code 1%CB

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!
  • 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!*

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, when the loan closes! 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.

Article: Why buying out your lease makes good sense.

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. 

**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 within 7 days after the loan closing. 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.

+Offer valid from 2/12/18-2/28/18. Cash back amount will be 1% of the amount financed - $500 maximum, payable after the first loan payment is made and within 30 days after receiving the title with the perfected lien showing First Financial FCU as the lien holder. Minimum auto loan amount eligible for participation is $10,000 and can be a refinance or new auto loan. Cash back bonus must be paid back to the credit union if the loan is paid off within one year of the original loan date. This will be waived if the vehicle is traded in and the new loan is financed with First Financial. All cash back checks must be picked up at the nearest First Financial branch location. This prize or a portion of this prize may be income reportable to the IRS on 1099 MISC and require completion of a W-9 request for taxpayer identification number and certification form. Cannot be combined with any other offer. 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.