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

Holiday Auto Loan Rate Special

Celebrate the season with special holiday Auto Loan rates! From 11/13/20 - 12/31/20, we've lowered our rates for new and refinanced Auto Loans - which means it's the perfect time of year to gift yourself with a new ride or lower monthly payments.

  • 2.24% APR up to 48 months*
  • 2.99% APR up to 60 months*
  • 3.24% APR up to 72 months*
  • 4.24% APR up to 84 months* (New vehicles only)

Holiday Bonus: All closed Auto Loans of at least $10k during the promotion dates, will be automatically entered into a drawing to win a $100 Visa Gift Card during the first week of 2021.+

Don't wait for the holiday season to pass you by, apply online and celebrate today!

Our Auto Loans have:

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.

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.

+APR = Annual Percentage Rate. Not all applicants will qualify, subject to credit approval. Additional terms & conditions may apply. Actual rate may vary based on creditworthiness and term. First Financial FCU maintains the right to not extend credit after you respond if we determine you do not meet our guidelines for creditworthiness. Rates are fixed and will be based on model year of vehicle & term. Current loans financed with First Financial FCU are not eligible for review or refinance. 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 before opening any other account/loan. No purchase necessary to be entered. Minimum auto loan amount eligible for participation is $10,000 and can be a refinance or new auto loan. Winner to be announced by January 8, 2021. See credit union for full details.