Auto loan rates as low as 4.99% APRAPR=Annual Percentage Rate. New Auto Loan example: $47,404 borrowed at 8.32% Annual Percentage Rate (APR) for 84 months = $15.75 per month per $1,000 borrowed. Used Auto Loan example: $29,471 borrowed at 8.70% Annual Percentage Rate (APR) for 84 months = $15.94 per month per $1,000 borrowed.
Whether you’re buying new, buying used or refinancing, get auto loan rates as low as 4.99% APR with First Tech.
Discover the advantages
Get prequalified fast
Know your rate ahead of time with no impact on your credit score.Check my rate: To check the rates and terms First Tech Federal Credit Union conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit. All loan applications are subject to credit approval. Membership is required and subject to approval
No extra fees
No origination, application or pre-payment penalty fees.
Flexible terms
Choose a term that fits your goal, we offer terms up to 84 months.APR=Annual Percentage Rate. New Auto Loan example: $47,404 borrowed at 8.32% Annual Percentage Rate (APR) for 84 months = $15.75 per month per $1,000 borrowed. Used Auto Loan example: $29,471 borrowed at 8.70% Annual Percentage Rate (APR) for 84 months = $15.94 per month per $1,000 borrowed.
Auto loan rates that move youActual rate will be determined based on the applicant’s credit history, and final loan terms. All loans are subject to credit approval. Credit Union membership is required and subject to approval.
Explore competitive auto loan rates and choose the option that best fits your needs.
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Auto loan calculator
When you need more than just an auto loan
From car insurance to payment protection, we can support your along the car buying journey.
Frequently asked questions
In most cases, you’ll receive a decision immediately or within one business day—depending on the loan amount, your credit profile, and the type of loan you're applying for.
We work quickly to review:
- Your credit history
- Your debt-to-income ratio
- The loan amount and purpose
Tip: To speed up the process, have your income details, identification, and any supporting documents ready when you apply.
Your loan approval and rate commitment are valid for 30 days from the date of approval.
This gives you time to:
- Finalize your purchase
- Submit any required documents
- Lock in your rate before market conditions change
Tip: If you need more time, reach out to your loan specialist. We may be able to extend your approval or help you reapply with updated terms.
At First Tech, we offer competitive rates and flexible terms to help you move forward with confidence—whether you're financing a car, boat, RV, or personal expense.
This deferment is optional and may increase your APR and the total interest paid over the life of the loan. All other loan terms remain the same.
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