American first credit union auto loan rates

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America First Credit Union Auto Loans Review 2021

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In addition to Jerry’s top-notch car insurance shopping service, the app can also find you the best auto refinance rates.

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Calculate your APR

Here’s a handy tool to help you calculate your approximate loan interest rate:

America First Credit Union auto loans overview

America First Credit Union offers a variety of auto loan options, including auto refinancing, to borrowers in Utah and Nevada.

Here’s everything you need to know about America First Credit Union auto loans:

• Starting APR: 2.99%
• Loan amounts: Not disclosed
• Loan terms: Maximum 96 months
• Minimum required credit score: 760
• Application fee: Not disclosed
• Prepayment penalty: Not disclosed
• Prequalification or preapproval: Not disclosed
• How to apply: Apply online, by phone, or in-person

What kind of auto loans does America First Credit Union offer?

Loan types

America First offers loans for the following vehicle types:

• New or used cars
• Motorcycles
• Recreational vehicles (RVs)
• Boats and watercraft
• Off-roading vehicles
• Utility-task vehicles (UTVs)

You can also take out an auto refinance loan with America First.

How much do they cost?

America First is flexible when it comes to loan amounts, although the specifics of your loan will depend on your creditworthiness and financial stability.

Beyond your loan amount, you’ll be responsible for interest and any added fees. You may have to pay more in interest if your loan term is long or you have a lower credit score.

Who is eligible?

You must be a member of America First Credit Union and have a credit score of 760 or higher to qualify for an auto loan.

Getting a quote

Application requirements

You can apply online, over the phone, or by visiting a branch in person.

At the time of your initial application, you will have to provide personal information, including (but not limited to):

• Identifying and contact information
• Social security number
• Employment status, including W-2 or recent paystubs

To determine your creditworthiness, many lenders will conduct a hard inquiry on your credit, which may cause your score to drop temporarily.

Once you have a quote (or get prequalified, if applicable), choose a vehicle that fits your budget and then return to the lender to finalize the loan.

Make sure you properly review your loan agreement, as it is a binding legal document.

Financing amount

America First does not specify a minimum or maximum loan amount. The total amount you’ll have to pay over the life of the loan includes the basic loan amount, interest, taxes and licensing fees, and any add-ons such as an extended warranty or gap insurance.

Restrictions

America First imposes some restrictions on the types of cars that can be financed. The vehicle must be from the model year 2014 or later.

Incentives

You may be eligible for America First’s Declining Rate program, which decreases your interest rate after each payment you make. You must agree to a 60-month loan term.

Refinancing your America First auto loan

America First Credit Union also offers auto refinance loans that can help you pay off an existing loan at a more affordable rate.

You may want to consider auto refinancing if any of the following apply to you:

• You can no longer afford your monthly payments
• Your interest rate is very high
• You’ve improved your credit score since signing your loan and think you could qualify for better terms

The only thing to keep in mind is that you’ll likely need to have positive equity on your vehicle at the time you apply for refinancing. (This means that you should owe less than the value of your vehicle.)

On the other hand, be prepared to provide a larger down payment if you’re set on refinancing while you’re still upside-down, or have negative equity.

What if America First isn’t the right choice for you?

If you’re unable to meet their membership criteria, you probably won’t be able to finance an America First auto loan.

Luckily for you, it’s never been easier to shop around with lenders.

Jerry is the super app that helps you save on all your car-related expenses, including auto loan refinancing.

After a quick sign-up, Jerry will compare loans from dozens of different lenders to find you the best loan terms. Even better, Jerry will handle all the hard parts of refinancing so that you can sit back and enjoy the monthly savings.

Hare are average rates from some of the most popular lenders:

FAQs

How do you apply for an America First Credit Union auto loan?

Apply online, over the phone, or by visiting your closest branch. Only members can apply.

What is the minimum credit score needed for an America First Credit Union auto loan?

Members must have a credit score of 760 or above to qualify.

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