Auto Loans
Drive your dream car with competitive rates, flexible terms, and no payment for 90 days. New, used, or refinance—we've got you covered.
Auto Loan Options
- Rates as low as 5.49% APR
- Up to 100% financing
- No payment for 90 days
- Flexible terms up to 84 months
- Pre-approval in minutes
- Rates as low as 5.99% APR
- Finance vehicles up to 10 years old
- Up to 125% of NADA value
- Include taxes and fees
- Private party purchases OK
- Lower your current rate
- Reduce monthly payments
- Skip your first payment
- No application fee
- Quick online process
*APR = Annual Percentage Rate. Rates effective 12/31/2025. Your rate may vary based on credit score, loan amount, and term. All loans subject to approval.
90-Day No Payment
Take the first 3 months off from payments
Fast Approval
Get pre-approved online in minutes
GAP Coverage
Optional protection if your car is totaled
No Hidden Fees
No application or prepayment penalties
Estimate Your Payment
See how much you could save with a First Tech auto loan compared to dealership financing.
How It Works
Apply Online
Complete our quick application in about 5 minutes
Get Approved
Receive a decision in as fast as 60 seconds
Shop with Power
Use your pre-approval like cash at any dealer
Drive Happy
Enjoy your new car with a great rate
Frequently Asked Questions
Can I buy from a private seller?
Yes! We finance private party purchases for used vehicles. We'll provide you with a check to give to the seller.
What credit score do I need?
We work with all credit types. While the best rates go to scores 720+, we have options for members at every credit level.
Can I pay off my loan early?
Absolutely! There are no prepayment penalties. Pay off your loan whenever you want and save on interest.
Do you finance electric vehicles?
Yes! We love EVs. Electric and hybrid vehicles qualify for the same great rates as traditional vehicles.
Ready to get started?
Join over 600,000 members who trust First Tech with their financial future.