LOANS ACCOUNTS SERVICES VISA BUSINESS ABOUT LEARN Search LOGIN Important Notice Main Content home / vehicle loans / auto loans AUTO LOANS Getting Started is Easy America First has low-rate financing options for your complete financial needs. APPLY ONLINE Get In Your Dream Car Today You've done your research, and you know what vehicle you want to buy; now you need to find the best auto loan available. America First Credit Union members have access to some of the finest lending resources in town. With low interest percentages, affordable monthly payments and local service you can trust, we make it easy to maximize your buying power for your new or pre-owned car, truck or SUV. At America First, we are a different kind of financial institution, providing trusted services that make us the leading Utah car loan provider. And we are now proud to offer excellent Nevada car loan options as well. Stop into one of our many local branches to learn more, apply online or call 1-800-999-3961. New Auto Loans Get preapproved before you even talk to a dealer. Know your buying power before visiting the dealership. Benefit from competitive fixed and variable auto loan rates. Enjoy the best in member service, where people come before profit. Used Auto Loans Save money on the vehicle you already drive. Instant online approvals. Flexible rate and term options. Used auto loan rates priced as low as new car rates. Auto Refinance Loans Save more money while paying off your loan. Select a flexible term that fits your life. Lower your existing payment and rate. Make sure you have the best auto loan available. Declining Rate Auto Loans Imagine your interest rate falling each month as you make your vehicle payment. With our new vehicle lending program, your interest rate will decrease with each on-time payment. By financing the purchase of a new vehicle, or refinancing an existing auto car loan, members will save even more money each month. Simply submit your on-time payment and watch your interest rate fall. Offered exclusively online and at our local branches. Available on a 60 month term. Your interest rate drops with every on-time payment. View our declining rate auto loan calculator here. Product Term APR* As Low As Auto Loan 5 Years 2.99% Fixed Auto Loan - Declining Rate Auto 5 Years 3.24% Fixed Auto Loan 6 Years 3.24% Fixed Auto Loan 7 Years 3.99% Fixed Auto Loan - (Minimum Loan Amount of $30,000 Required) 8 Years 5.74% Fixed * Annual percentage rate, on approved credit, subject to change. This APR is the lowest for the terms outlined. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Sunday, August 29, 2021. Click here for payment giveaway rules. Lower Your Car Payment Get the car, truck, or SUV that you need with fast financing from America First. We’re offering our low-rate auto loans with no payments for *90 days. You can also refinance your existing vehicle loan to acquire a lower rate or payment. *Terms, eligibility & conditions apply. To qualify, vehicle must be 2014 model or newer, and member must have a credit score greater than or equal to 760. Get Five Years of Free Auto Care When you choose America First financing at a Young Automotive Group dealership, you’ll receive five years* of free auto maintenance, including oil changes, tire rotations, multi-point vehicle inspections, wheel alignment checks, and a one-time key replacement. Click here for details. Experience a stress-free car shopping process from pre-approved funding to getting the keys in your hand Loan Amount $ Term Years Interest Rate % Monthly Payment $178.53 APPLY FOR THIS PAYMENT Drive your Lifestyle America First Credit Union is among the top auto lenders throughout the Intermountain West. And our low rates are a great reason why. APPLY NOW Become a Member Apply for Loan Find Location Contact Us LATEST NEWS America First Credit Union surprises Corner Canyon student with $3,300 for Food Drive Challenge Nov 18, 2021 - Press Releases America First Credit Union Attains No. 1 SBA Ranking in Utah District Nov 17, 2021 - Press Releases America First Credit Union Reveals First Corporate Partnership in Reno Market Nov 8, 2021 - Press Releases Nominations Sought for Vegas Golden Knights, America First Credit Union Game-Changer Program Award for Educators Nov 2, 2021 - Press Releases Proposed IRS Reporting Requirements Oct 25, 2021 - News More news... UPCOMING EVENTS No Upcoming Events More events... INFORMATION America First Credit Union PO Box 9199 Ogden, Utah 84409 1-800-999-3961 Routing & Transit Number: 324377516 Start your career at America First VIEW CURRENT OPENINGS ©2021 America First Credit Union. All Rights Reserved. America First Federal Credit Union does business as (DBA) America First Credit Union. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. America First Credit Union respects your privacy. Please view our Privacy Policy, Email Opt Out Procedure and Fraud Alert Text/SMS Notification Terms and Conditions. This credit union is federally insured by the National Credit Union Administration.