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Rates Calculator

Upgrade your ride — or just your rate. We’ve got you covered with an affordable loan for purchasing or refinancing.

Key Features

  • Competitive Rates
  • Customized Terms
  • Local Decisions
  • Awesome Service
  • Get the vehicle you really want — Auto rates as low as 4.99% APR 
  • Motorcycle rates as low as 5.99% APR 
  • Competitive rates for new or pre-owned vehicles
  • Up to 125% financing
  • Terms available up to 84 months (up to 72 months for Motorcycles)
  • Purchases for up to ten (10) model years 2015 and newer*
  • Refinances for up to five (5) model years 2020 and newer*
  • Get pre-approved for extra bargaining power upon auto shopping
  • Refinance your current vehicle to potentially lower your payment
  • No waiting period after joining — apply upon membership
  • Note: All-Terrain Vehicles (ATV’s) and Utility Task Vehicles (UTV’s) are not eligible for financing
  • First Harvest requests that you maintain a minimum $5 Regular Savings balance when you have a loan
  • Prompt decision-making and processing based in South Jersey
  • Attentive service from our experienced staff every step of the way

*Loans are available for vehicles purchased from licensed dealerships only. No Private Sale purchases.



Add an extra layer of protection

Our Member's Choice™ Borrower Security offers payment protection that can cancel or reduce repayment of the principal and interest owed, in the event of disability, loss of life and even involuntary unemployment. We have also partnered with TruStage to bring you additional coverage options. Learn more about our Auto Insurance and GAP Insurance coverage options. 

Mechanical Breakdown Protection is available for both new and used cars and extends the warranty on all mechanical and electrical components of your vehicle.

Pack on the perks — just for being a member

Just by virtue of your membership at First Harvest Credit Union, you automatically qualify for additional rewards and discounts. Learn more about the benefits offered through the Love My Credit Union Rewards Program.

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