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

Purchase the vehicle you really want or refinance the one you already love with vehicle financing rates as low as 4.99% APR1 up to 84 months!

Key Features

  • Competitive Rates
  • Customized Terms
  • Local Decisions
  • Awesome Service
  • We offer competitive financing up to 125% of your new or pre-owned vehicles from 2015 and earlier
  • Refinance your vehicle from 2020 and earlier
  • Enjoy flexible terms for purchase and refinance loans up to 84 months
  • Quick and easy pre-approval process extra bargaining power
  • Prompt decision-making and processing
  • Loans are available for vehicles purchased from licensed dealerships only. No Private Sale purchases
  • Note: All-Terrain Vehicles (ATV’s) and Utility Task Vehicles (UTV’s) are not eligible for financing


If you love the vehicle you’re in, but your monthly payments or terms are weighing you down, refinancing might be a helpful option for you. When you refinance, you have more flexibility in choosing your desired term length and monthly payment amount.

If your current monthly payments are taking up too much of your budget, then refinancing your loan with a lower rate or longer term could help lower that cost. If you find yourself making larger payments than required, shortening the term length of the loan can reduce the total interest you’ll have to pay.

We offer convenient and competitive auto loan refinancing with terms up to 84 months for vehicles made in 2020 and earlier.

Apply for Refinancing!

If your auto lease is coming to an end, a lease buyout could be a good fit for you if:

  • You love the car you're in
  • Your leased vehicle's residual value is less than the curent market price
  • You've altered the vehicle or will be returning it with damages
  • You've surpassed your maximum mileage limit

We offer competitive lease buyout financing with flexible terms up to 84 months. 

Apply Now!

TruStage™ Auto Insurance Program

You work hard for your money and even harder to keep your budget on track. So why spend too much on Auto Insurance—maybe hundreds of dollars too much?

First Harvest Credit Union members may qualify for discounts on Auto Insurance through the TruStage™ Auto Insurance Program. You could save big, and it could be simple to switch carriers—without losing any money.

TruStage offers a powerful mix of savings and popular, member-friendly benefits:

  • Credit union members could save hundreds*
  • Nationally recognized companies
  • Friendly, 24/7 service—even on holidays
  • Discounts for multiple vehicles, good driving and more**
  • Mobile app for easy claims

It’s simple to get a free quote today. Don’t wait to see how much you could save! 

*Savings validated by survey of participating new customers who switched to a Liberty Mutual policy between 10/2021 and 09/2022 with self-reported comparable coverage from their prior carrier. Savings may vary.

** Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.

Rest easy knowing you are covered with Mechanical Breakdown Protection Plans, which extend coverage to virtually all mechanical and electrical components of your vehicle. They are available for both new and pre-owned vehicles, and coverage is transferable if you sell your vehicle before your agreement expires providing added resale value.

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. 

1. Annual Percentage Rate (APR) effective as of 7/01/2024 and are subject to be cancelled, extended, or changed without notice. New Auto rates available for 2024 automobile model year with less than 20k miles. Rates for this product are determined by an evaluation of applicant credit, as well as other factors including loan term, collateral mileage and model year, and Loan-To-Value (LTV). Your rate may vary from the rates shown. Sample Monthly Payment: $14.88 for every $1,000 borrowed at 6.49% APR for 84 months with $25,000 loan minimum. Payment example is based on longest term available for illustrative purposes only and does not include Debt Protection or available optional vehicle protection plans. Your payment may be higher. Auto Loan refinance rates available for vehicles not previously financed at First Harvest Credit Union. Membership restrictions apply. Other rates and terms available for model years 2023 and earlier. Contact us for details. Membership restrictions apply.

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