Credit union · NCUA insured
American First Credit Union Auto Loan Rates
American First Credit Union auto loans start at 6.39% APR for a new vehicle and 6.39% for a used one. Rates checked October 16, 2026.
How American First Credit Union’s auto loan rates compare
Compared with banks and credit unions near Los Angeles, CA, where American First Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
American First Credit Union
6.14%APR
- Terms
- up to 60 months
- Up to
- 19.14% APR
- Discount
- Included in the rate
New and Used Auto
Lowest rate
Downey Federal Credit Union
3.49%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
United Catholics Federal CU
3.75%APR
- Terms
- up to 84 months
- Up to
- —
- Discount
- Included in the rate
American First Credit Union auto loan score
64
Auto loan score
Higher than 10% of U.S. banks and credit unions
- New vehicleNew6.39%
- Used vehicleUsed6.39%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where American First Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Motorcycle Loan
Rates subject to credit approval. 0.50% discount included in rates for automatic payment transfer. Financing up to 100% MSRP.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 8.65%–18.65% | — |
| up to 60 months | 8.65%–18.65% | — |
| up to 72 months | 8.90%–18.90% | — |
| up to 84 months | 9.15%–19.15% | — |
Sources (1)
- amerfirst.org/products/vehicle…a-car/vehicle-loan-rates · captured Oct 16, 2026
New and Used Auto
All vehicle loan rates include a 0.50% discount for automatic payment transfer from an American First account. A one time $5 lifetime membership fee may apply. A New Auto is a current year model with less than 7,500 miles, financing up to 125% of MSRP. A Used Auto is a model 7 years old or newer, financing up to 125% Kelley Blue Book. Subject to credit approval. Current American First loans are not eligible for refinancing. No down payment required. Additional 0.25% discount available for 80% financing. Flexible terms 36-84 months.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.14%–16.94% | Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing. |
| up to 48 months | 6.14%–17.24% | Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing. |
| up to 60 months | 6.14%–19.14% | Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing. |
| up to 72 months | 6.39%–10.64% | Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing. |
| up to 84 months | 6.89%–11.14% | Includes 0.50% discount for automatic payment transfer from an AFCU account. Additional 0.25% discount available for 80% financing. |
Sources (3)
- amerfirst.org/products/vehicle-loans
- amerfirst.org/products/vehicle-loans/buying-a-car
- amerfirst.org/products/vehicle…a-car/vehicle-loan-rates
All captured Oct 16, 2026
Other Secured Loan
Rates subject to credit approval. 0.50% discount included in rates for automatic payment transfer. Financing up to 90% MSRP. Terms 48-72 months.
| Terms | APR | Conditions |
|---|---|---|
| 48–72 months | 8.65%–18.65% | — |
Sources (1)
- amerfirst.org/products/vehicle…a-car/vehicle-loan-rates · captured Oct 16, 2026
Who can join American First Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is available to individuals and small businesses in Orange, Riverside, and San Bernardino counties, as well as 14 surrounding cities.
Employers and groups
- Membership is extended to employees of over 100 partner companies.
Other ways
- Membership is extended through other community groups.
Membership information collected October 5, 2026.