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 have:

  • Great low rates with personalized service and quick approval decisions
  • Flexible terms up to 84 months
  • Same-day approvals
  • Electronic closings
  • Loan Payment Protection
  • AutoSMART – free online auto buying & selling resource
  • And don't forget to check out our Preferred Dealers for 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!*
  • Holiday Gift Giveaway 10/25-12/19! When you finance or refinance an Auto Loan of at least $10k, you'll be entered to win a holiday gift in a prize drawing on 12/20 at 12pm. 3 members will get to win an Instant Pot, Fitbit Versa, or Secura Electric Hot Air Fryer. Apply below!++

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

Auto Loan Refinance Options

Ready to refinance your vehicle to see if you can save some money on your monthly payments? Start the online application here, or call the Loan Department at 732.312.1500, Option 4.

Did you know there's cash available in your car? Learn about our Cash Out Auto Loan options.

Do you have a vehicle lease? Learn about our Lease Buyout Program.

Current Promotion available through 12/31/19: Refinance your auto loan or buy out your lease of at least $10k, and you'll get up to a year's worth of vehicle maintenance on us (up to $250)!+ Apply today or ask us for more information.

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. 

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.

+Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. Actual rate may vary based on credit worthiness and term. Minimum auto loan amount eligible for participation is $10,000 and must be an auto loan refinance or a lease buyout loan. Must close on the auto loan by 12/31/19 in order to be eligible to redeem the offer. For 1 year from the member’s 2019 auto loan closing date, they will be eligible to be reimbursed up to $250 for ongoing car maintenance. The member must bring their valid receipt into their nearest branch location in order to be reimbursed. The year, model, and VIN of the vehicle must match the 2019 First Financial vehicle loan, as well as the vehicle serviced by a licensed mechanic on the invoice brought into the branch. First Financial reserves the right to call and verify the service performed that is listed on the invoice receipt. Valid reimbursements will be transferred into the member’s First Financial base savings or checking account, and the membership must be in good standing. This offer cannot be combined with any other offer. The credit union reserves the right to cancel this offer at any time. 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. See credit union for details.

++Not all applicants will qualify, subject to credit approval. Additional terms and conditions may apply. Actual rate may vary based on creditworthiness and term. Minimum auto loan amount eligible for participation is $10,000 and must be a new First Financial auto loan finance, refinance, or a lease buyout loan. Current loans financed with First Financial are not eligible for refinance. Entry period takes place between 10/25/19 – 12/19/19 and is for qualifying auto loans that close within the campaign dates. Member must close on the auto loan by 12/19/19 in order to be eligible for participation in the holiday prize drawing. Joint auto loans will earn one entry into the prize drawing. Drawing will take place on 12/20/19 at 12pm. Drawing prizes include a Fitbit Versa® ($199.95 value), InstantPot® ($99 value), or a Secura Electric Hot Air Fryer® ($69.99 value). No purchase necessary. The credit union reserves the right to change or cancel this offer at any time. 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. A $5 deposit in a base savings account is required for credit union membership prior to opening any other account/loan. See credit union for details.