Credit union · NCUA insured
First South Financial Auto Loan Rates
First South Financial auto loans start at 4.99% APR for a new vehicle and 4.99% for a used one. Rates checked October 15, 2026.
How First South Financial’s auto loan rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where First South Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
First South Financial
4.99%APR
- Terms
- up to 84 months
- Discount
- None included
New & Used Autos
Lowest rate
SecurCommunity Federal Credit Union
3.90%APR
- Terms
- 1–60 months
- Discount
- None included
2nd-lowest rate
Orion Financial
3.95%APR
- Terms
- up to 84 months
- Discount
- Included in the rate
First South Financial auto loan score
83
Auto loan score
Higher than 62% of U.S. banks and credit unions
- New vehicleNew4.99%
- Used vehicleUsed4.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where First South Financial 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.
New & Used Autos
Rates are tailored to match credit score and credit history. Rates and terms are subject to change or withdrawal without notice. Loans are subject to credit approval criteria; not all applicants will qualify.
| Terms | APR | Conditions |
|---|---|---|
| up to 84 months | 4.99% | Rate is 'as low as' 4.99% APR for terms up to 84 months. Rates vary based on creditworthiness and other factors. |
Sources (4)
All captured Oct 5, 2026
Triple Advantage Auto Refinance
Available for a limited time to specially selected consumers to refinance existing auto loans from other institutions (existing First South auto loans are not eligible). Features up to $100 cash back for very well-qualified buyers and 90 days no payments (interest accrues from date of loan). Qualifications, standard approval, and interest rates apply. Rates and offers subject to change or withdrawal without notice.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Stated 'rates as low as 4.99% APR' apply to well-qualified applicants. 4.99% APR is available for terms up to 36 months. Includes up to $100 cash back and 90 days no payments. |
| 37–66 months | 5.69% | Eligible for terms of 37-66 months. Includes up to $100 cash back and 90 days no payments. |
| 67–78 months | 6.10% | Eligible for terms of 67-78 months. Includes up to $100 cash back and 90 days no payments. |
Sources (1)
- firstsouth.com/loans/auto-loans/auto-loan-specials · captured Oct 5, 2026
Who can join First South Financial
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.