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Auto Loans

Hit the road with low rates and a fast process

Get the car (and the loan) of your dreams

Let us help you finance the car of your dreams with a low rate, low payment, and flexible term to fit your budget. Purchase a new or used vehicle or refinance your existing auto loan from another lender. We’ll get you on the road in no time with a quick and easy application process.

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As low as 2.83% APR and terms up to 84 months
Calculate a payment 
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No payments for 90 days
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Shop from home with our auto buying service – we even deliver
Learn About Auto Buying


First-time auto loan

We know that starting to manage your own money can be confusing and intimidating. That’s why we’ve developed a simpler, faster, and friendlier money experience especially for young adults.

If buying a new or used car is in your future, we can help. When you’re car hunting, don’t forget the importance of a low rate and an affordable payment.

Our unique first-time auto loan program puts you in the driver’s seat – even if you don’t have established credit. Or, you can use a parent as co-signer, which may help you qualify for our best rates. Simply give us a call, our loan specialists can help find the best option to suit you.

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Terms up to 84 months



Responsible money management is crucial to starting a positive credit history – and we’re here to help. Apply online to get started. Or, if you prefer the personal touch, simply call us at (800) 649-0193.

Research the car before you buy with AutoSMART

Get Started


You may already be approved.



Proof of insurance

Have you provided proof of insurance for your 1st United auto loan? Or, did you receive a letter requesting proof of insurance? 

New and Used Auto Loans: APR (Annual Percentage Rate) as of June 1, 2021, and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of the vehicle, amount financed and terms and conditions. Loans are subject to credit approval. Minimum loan $5,000; Proof of insurance required.  Loan payment example: $15.12 per month for each $1,000 borrowed at 2.83% APR for 72 months..

Motorcycle Loans: APR (Annual Percentage Rate) as of June 1, 2021, and is subject to change. Lowest rate quoted. Your rate may vary based on creditworthiness, age or value of the vehicle, amount financed and terms and conditions. Loans are subject to credit approval. Proof of insurance required. Loan payment example: $18.84 per month for each $1,000 borrowed at 4.93% APR for 60 months.

0.25% Discount Offer: Loans subject to credit approval. Must use promo code LOYALTY. Offer may not be combined with any other offers and is subject to withdrawal at any time. Discounted rate applies on second auto loans and next auto loans if you finance with us within six months of paying off your previous loan. May not be used to refinance an existing 1st United auto loan.

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Loyalty Discount
0.25% APR discount for your second auto with us. Use promo code LOYALTY.

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Calculators
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Today's Rates
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Happiness is right around the corner.

Focus on the joys of buying your new home – our experts will handle the paperwork.

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