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Auto Loans
When it’s time to buy, finance or refinance, First City is your one-stop auto resource!
First City has emerged as a leader in credit union auto financing. Apply for a car loan at First City and enjoy market leading rates, easy terms and convenient application processing. Join First City if you live, work, worship, or got to school in the Los Angeles County, California area.
Purchase
Features
- Low rates on new and used cars – currently as low as 5.49% APR*
- Easy terms up to 96 months
- Up to 100% or more financing on new and used cars
- Preapprovals for added negotiating power—know up front what you can afford and save your time.
- Concierge Auto-Buying Services with Autoland
Refinance
Advantages
- Lower your monthly payment
- Shorten your term
- Get cash out of your loan
- Take ownership of a lease
New and Used Vehicle Rates
| Rates are current and effective as of: February 1, 2025 | APR* as low as |
|---|---|
| Current and prior model year | |
| 5.49% | |
| 5.74% | |
| 5.99% | |
| 6.24% | |
| 6.74% | |
| 7.24% | |
| Prior year and up to 8 model years old | |
| 5.49% | |
| 5.74% | |
| 5.99% | |
| 6.24% | |
| 7.24% | |
| 9 to 12 model years | |
| 5.99% | |
| 6.24% | |
| 6.49% | |
| 6.74% | |
| BOATS, RVs and TRAILERS | |
| Current year and up to 10 model years | 7.25% |
| 8.25% | |
| 9.25% | |
| MOTORCYCLES/ATVs | |
| Current year and up to 10 model years | 6.75% |
| 7.00% | |
| 8.25% |
| Auto Loan Payment Estimates and Disclosure |
|---|
| *APR=Annual Percentage Rate. |
| Rates and programs subject to change. Other conditions may apply. |
| Lowest possible rate is shown, your rate may vary. Credit approval is required. |
More resources for you! Learn about our Auto Buying Services, Lease Buyout Center, and Auto Protection Plans.
Auto Buying Services
Choose our Concierge or Online buying services to help you buy your next new or used vehicle.
First City Makes Lease Buyouts Easy!
Avoid major hassle and let us do the hard work for you,
Start the process by clicking here now
Auto Protection Plans
GAP – Guaranteed Asset Protection insurance will cover your Auto Loan in the event of a total loss or theft
MMP – Major Mechanical Protection can protect yourself against the expense of future costly repairs.
To learn more, click here or call your loan officer today!
Easy Application
Payroll Deduction makes it even easier to make your loan payments. It’s convenient and safe. And you may be able to make to small payments twice a month, rather than one large payment – which helps to smooth-out your monthly cash flow. |
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